Liability-only coverage is the cheapest motorcycle insurance in Alabama. However, it’s recommended for bikers to purchase the costlier comprehensive and collision coverage since it offers higher liability limits and greater protection. In Alabama, a minimum coverage plan only includes bodily injury and property damage liability insurance. As a result, it’s better to opt for full coverage. For this study, MoneyGeek used prices for a good rider in Alabama with 50/100/25 liability-only coverage.
Motorcycle Insurance in Alabama: The Cheapest Quotes and Best Companies
Updated: November 21, 2024
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The Cheapest Motorcycle Insurance in Alabama
Cheapest Liability-Only Motorcycle Insurance Quotes in Alabama
Based on average prices, the least expensive firms for a good biker with liability-only motorcycle insurance in Alabama are:
- Markel: $58 per year
- GEICO: $70 per year
Compared to the rates of the most expensive provider Dairyland, Markel’s premiums are 58.9% cheaper.
Company | Annual Premium | |
|---|---|---|
1. | Markel | $58 |
2. | GEICO | $70 |
3. | Progressive | $75 |
4. | Harley-Davidson | $108 |
5. | Dairyland | $141 |
Cheapest Full Coverage Motorcycle Insurance Quotes in Alabama
Liability-only coverage is the cheapest motorcycle insurance in Alabama. However, it’s recommended for bikers to purchase the costlier comprehensive and collision coverage since it offers higher liability limits and greater protection. In Alabama, a minimum coverage plan only includes bodily injury and property damage liability insurance. As a result, it’s better to opt for full coverage. For this study, MoneyGeek used prices for a good rider in Alabama with 50/100/25 liability-only coverage.
Company | Annual Premium | |
|---|---|---|
1. | Progressive | $174 |
2. | Harley-Davidson | $227 |
3. | Dairyland | $241 |
4. | Markel | $334 |
5. | GEICO | $388 |
What Is the Average Motorcycle Insurance Cost in Alabama?
The average cost of motorcycle insurance in Alabama depends on a number of factors, including age, years of riding experience, riding record, motorcycle model and coverage amounts. MoneyGeek compared average motorcycle insurance premiums from providers in Alabama for various rider profiles.
A full-coverage policy in Alabama costs $273 per year or about $23 per month. This rate is 25% cheaper or $91 less than the national average of $364 per year.
The cost of a liability-only policy in Alabama is roughly $90 per year or about $7.50 per month. This is $51 less than the national average of $141 annually. However, this coverage level will not pay for your bike or injuries if you’re at fault.
Policy coverage used to decide Alabama averages were $50,000/$100,000 bodily injury coverage with $25,000 property damage, a $500 deductible for full coverage policies and PIP (Personal Injury Protection) and uninsured motorist minimum coverage if required.
Type | Cost | National Average | Delta vs National Average |
|---|---|---|---|
Full Coverage | 273 | 364 | -91 |
Liability Only | 90 | 141 | -51 |
The Best Motorcycle Insurance Companies in Alabama
MonneyGeek ranked the companies that offer the best motorcycle insurance in Alabama based on criteria such as service quality, affordability, financial stability and products and services presented. Our methodology details our ranking criteria and weightings. Based on our research, Progressive is the top-scoring insurer in Alabama.
MoneyGeek’s data shows that the best motorcycle insurance firms in Alabama are:
1
Progressive
Score:97
Pros
- Various discount opportunities offered
- Easily get quotes and buy insurance online
- Array of extra coverage options provided
Cons
- Discounts are not available in all states
- Disappearing deductible is not available in all states
- Large Accident Forgiveness is limited to policyholders meeting certain criteria
More About Progressive
Progressive gets the top spot in Alabama with an impressive score of 94.55 out of 100. This provider’s rate for a liability-only policy is $75 per year on average. For full coverage, it charges an average annual price of $174.
Progressive offers an array of coverage features in Alabama. These include automatic coverage for OEM (original equipment manufacturer) and custom parts. It also presents accident forgiveness for certain types of accidents, so your rates will not rise if your claim is less than $500. For every claim-free policy term, the carrier reduces your deductible by 25% under the disappearing deductible feature. The enhanced injury protection coverage will pay you up to $250 a week for two years if you are incapacitated due to a covered accident. If the policyholder dies in a fatal accident, this feature will pay $25,000 to their beneficiaries.
2
Harley-Davidson
Score:87
Pros
- Multiple loyalty discount and rewards programs
- 24/7 claims filing by phone or online
- Coverage for various motorcycle types
Cons
- Lack of mobile app
- Cannot bundle motorcycle insurance with auto insurance
- Can be costlier compared to other providers
More About Harley-Davidson
Harley-Davidson comes in second place with a MoneyGeek score of 88.85 out of 100. For a liability-only policy, this carrier charges an average of $108 per year. The cost of its full coverage package averages $227 per year in Alabama.
Harley-Davidson presents multiple coverage features for various types of bikes in Alabama, including autocycles. It offers discounts to loyal customers and those who want to add a new motorcycle to their plan. Buyers of other Harley-Davidson insurance offerings such as planned maintenance also qualify for discounts. The rental reimbursement coverage feature in Alabama will help if your bike becomes non-operational after an accident. Another interesting feature is optional equipment coverage which protects improvements to your bike, including all accessories that are not factory standard. Policyholders can even get guest passenger liability coverage and roadside assistance.
3
Markel
Score:85
How to Get a Motorcycle Insurance Quote in Alabama
Multiple factors determine the price of motorcycle insurance in Alabama. It pays to shop around and compare quotes to find the best and cheapest deals.
To provide an online motorcycle insurance quote, company websites typically ask for the following information:
- Your birthdate
- Your Alabama address and ZIP code
- Motorcycle year, make and model
- Riding record
- Insurance coverage elections (for more details, see below)
How Much Motorcycle Insurance Coverage Do You Need in Alabama?
Alabama law mandates that all bikers should buy motorcycle insurance with at least minimum liability-only coverage. The state’s minimum coverage requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
How Much Insurance Coverage Is Required in Alabama?
The minimum liability-only coverage standard for all vehicles in Alabama is 25/50/25. This means your motorcycle insurance in Alabama should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. Your insurer will pay for these coverage limits if you are responsible for an accident.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Alabama?
Alabama does not mandate motorcycle riders to have PIP (Personal Injury Protection), underinsured motorist or uninsured motorist coverage. Only bodily injury and property damage coverage are required. For extra protection, you can include these coverages depending on your requirements.
MONEYGEEK EXPERT TIP
For motorcycle riders in Alabama, MoneyGeek suggests a full-coverage plan of at least 50/100/25 and even 100/300/100 because the incremental cost for this large increase is quite low.
Frequently Asked Questions About Motorcycle Insurance in Alabama
To help you find the best motorcycle insurance in Alabama, MoneyGeek answers frequently asked questions on the subject.
Which company has the cheapest motorcycle insurance in Alabama?
Markel offers the cheapest liability-only policy at an average of $58 annually. The least expensive carrier for a full-coverage plan is Progressive, at roughly $174 yearly.
How much does motorcycle insurance cost for most riders in Alabama?
The average cost of liability-only coverage in the state is $90 per year, while full coverage costs an average annual rate of $273.
Which company is the best motorcycle insurance provider in Alabama?
As per MoneyGeek’s study, Progressive is the best motorcycle insurance company in Alabama.
Do you need motorcycle insurance in Alabama?
Similar to automobile drivers, Alabama law stipulates that motorcycle riders be insured whenever they ride their bikes.
Methodology
MoneyGeek evaluated motorcycle insurance rates directly from insurance companies based on different driver profiles and coverage amounts to help readers decide the cheapest provider in Alabama. The best motorcycle insurance carriers in the state were determined using three factors, including policy cost in Alabama (60% weighting), products and services (30% weighting) and financial stability scores from AM Best (10% weighting). We collected the most recent license laws and insurance coverage requirements in Alabama from government sources to provide accurate information.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- Alabama.gov. "Mandatory Liability Insurance Law." Accessed May 5, 2023.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed May 4, 2021.
- J.D. Power. "2020 U.S. Auto Claims Satisfaction Study." Accessed May 4, 2021.