Who Has The Cheapest Motorcycle Insurance In Alabama?
Progressive has the cheapest motorcycle insurance rates in Alabama, with an average of $22 per month.
Compare Motorcycle Insurance Quotes in Alabama
Best cheap motorcycle insurance in Alabama
To help you find the best cheap motorcycle insurance in Alabama, ValuePenguin compared quotes from seven top companies across 75 of the largest cities in Alabama.
Rates are for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. Company ratings are based on a combination of coverage options, customer service and affordability. See the full methodology.
Cheapest motorcycle insurance companies in Alabama
Progressive has the best motorcycle insurance rates in Alabama. It costs an average of $22 per month for a full coverage policy that covers your bike and any damage or injuries you cause.
Geico has the second-best price, with an average rate of $24 per month.
Motorcycle insurance in Alabama costs an average of $40 per month, which is $481 per year.
Compare Motorcycle Insurance Quotes in Alabama
Cheapest motorcycle insurance companies in Alabama
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $22 | |
| Geico | $24 | |
| Harley-Davidson | $24 | |
| Dairyland | $25 | |
| Allstate | $43 | |
Best motorcycle insurance for most people: Progressive
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Progressive is the best overall motorcycle insurance company for most riders in Alabama. It has both cheap rates and good customer service.
Plus, Progressive automatically includes better coverage than other companies.
- Coverage for $3,000 of accessories and custom parts: Progressive automatically covers extras like saddlebags, electronics or custom paint. If you have a fully customized motorcycle, you can add on coverage up to $30,000.
- Original manufacturer part coverage: Your bike will be repaired with new parts from the manufacturer, rather than cheaper, aftermarket parts.
- Full replacement cost for damaged parts: Other companies typically only pay for how much parts are worth after considering age and condition.
Progressive motorcycle insurance gets 35% fewer complaints than an average company of its size.
This shows that customers are generally satisfied with their coverage and you're more likely to have an easy time when filing a claim after an accident.
One downside with Progressive is that you can't add on coverage for rental reimbursement to help pay for a vehicle to use while your motorcycle is being fixed after an accident. This is available with most other companies, and it's useful if your bike is your main way to get around.
Best rates if you have multiple bikes: Geico
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Editor rating
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Monthly rate
$24 ?
Pros and cons
Geico has affordable motorcycle insurance rates in Alabama that average $24 per month. If you have multiple bikes, you'll automatically get a 10% discount, which brings your monthly cost to $21 per bike.
This savings can add up if you have a few bikes. Plus, riders can get additional discounts for taking a safety course, renewing their policy and being an older driver.
As a major insurer, Geico offers several other types of insurance including options for boats and all-terrain vehicles (ATVs).
Geico is otherwise a middle-of-the-road option for motorcycle insurance.
- Its customer satisfaction is about average.
- It has basic coverage add-on options like roadside assistance and extended parts coverage but not as many coverage extras as Progressive.
It's not the best deal to bundle Geico motorcycle insurance with car insurance. Even though you could get a 5% discount on your motorcycle policy if you bundle, Geico is not one of the cheapest car insurance companies in Alabama. You'll get a better deal by getting motorcycle insurance from Geico and car insurance from State Farm or another cheap company.
Best for military families: USAA
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Editor rating
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Monthly rate
$21 ?
Pros and cons
Military members, veterans and some of their family members can get a great deal on motorcycle insurance through USAA. The company has some of the best customer service around, but it's only available if you're connected to the military.
USAA consistently has high customer satisfaction and few complaints, making it one of the best insurance companies if you're eligible for a policy.
USAA motorcycle insurance covers all types of road bikes, as well as ATVs and other off-road vehicles.
Motorcycle policies are sold as a partnership between USAA and Progressive. USAA members get a 5% discount off Progressive's rates. This extra savings can be combined with Progressive's strong set of discounts.
Call 800-809-1925 for any questions about your USAA motorcycle insurance policy with Progressive. This is a special number that's set up for these policies.
A key downside with these plans is if you call the regular Progressive phone line, you'll go through the automated phone system to be connected with a regular Progressive agent. But by calling the right number, you'll be connected right away to a person who can provide the high level of support you're used to from USAA.
Alabama motorcycle insurance cost by city
Among the largest cities in Alabama, motorcycle insurance rates are cheapest in Clayton, with an average of $35 per month.
Motorcycle insurance is most expensive in Talladega, where rates average $57 per month. Even though quotes can be high in this eastern Alabama city, there are still options for cheap insurance. In Talladega, Progressive motorcycle insurance can cost an average of $19 per month.
Average motorcycle insurance rates in Alabama cities
City | Monthly cost | % from average |
|---|---|---|
| Albertville | $38 | -6% |
| Alexander City | $36 | -11% |
| Andalusia | $39 | -2% |
| Anniston | $36 | -10% |
| Arab | $40 | 0% |
Huntsville and Birmingham, two of Alabama's largest cities, have motorcycle insurance rates that are 4% to 5% higher than the statewide average.
Insurance companies set rates based on how likely you are to file a claim. That means quotes are usually higher in areas with more accidents, higher crime or severe weather.
Alabama motorcycle insurance requirements
Alabama motorcycle riders need liability insurance that will cover each accident with at least $25,000 in injuries per person, $50,000 in injuries for multiple people and $25,000 in property damage.
Coverage | Limits |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
Motorcycle insurance requirements are the same as car insurance requirements in Alabama.
Although you are only required to have these minimum limits, many riders get a full coverage policy that will also pay to repair their motorcycle after an accident. If you have a motorcycle loan, full coverage is usually required by your lender.
Can you avoid getting motorcycle insurance in Alabama?
Instead of getting insurance, a rider can choose to put up $50,000 for a liability bond that will be held by the state. This money will be used to cover damage and injuries after an accident, like an insurance policy would.
Frequently asked questions
How much does Geico motorcycle insurance cost in Mobile, AL?
Geico motorcycle insurance costs an average of $25 per month in Mobile, AL. That's slightly more expensive than Progressive, which costs $23 per month for the same amount of coverage. Geico is one of the cheapest companies for motorcycle insurance in Alabama, but its Alabama car insurance rates are very expensive.
How much is motorcycle insurance in Alabama?
It costs an average of $40 per month for full coverage motorcycle insurance in Alabama. That's $481 per year. Choosing a cheap company can save you about 44%. Progressive motorcycle insurance costs an average of $22 per month in Alabama.
Do you need insurance for a motorcycle in Alabama?
Yes, you need to have a basic liability insurance policy to drive a motorcycle in Alabama. Otherwise, you need to put up $50,000 as a bond to pay for damage and injuries you could cause while riding.
Compare motorcycle insurance in Alabama vs other states
Methodology
ValuePenguin collected motorcycle insurance quotes from seven major motorcycle insurance companies across 75 cities in Alabama.
Rates are based on a 45-year-old single man who owns a 2018 Honda CMX500 Rebel. Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage to pay for damage to your bike.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Company ratings are based on affordability, coverage options and customer service.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.