Alabama motorcycle insurance

What are the minimum requirements for motorcycle insurance in Alabama?

Alabama motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damages to your motorcycle, but it may reimburse anyone whose property is damaged in an accident if you’re liable. It also may cover costs associated with another person's injuries up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Uninsured/underinsured motorist bodily injury coverage is also required in Alabama, but you may reject or lower this coverage with the submission of a signed form.

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know how much motorcycles mean to their owners. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Alabama?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Alabama with liability coverage was only $153.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Alabama?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Huntsville, Birmingham, Montgomery or anywhere else in the Yellowhammer State, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Alabama for bikers without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Alabama with motorcycle insurance discounts, such as:

• Multi-policy discount
• Safe and steady rider discount
• Motorcycle license/endorsement discount
• Safety course discount
• Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Alabama

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Alabama