Who Has The Cheapest Motorcycle Insurance In Alabama?
Progressive has the best blend of low prices, dependable service and coverage options in Alabama.
Find Cheap Motorcycle Insurance Quotes in Alabama
Best cheap motorcycle insurance in Alabama
How we chose the top companies
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 damage or injuries you cause.
Geico costs only a few dollars more, with an average rate of $24 per month.
Motorcycle insurance in Alabama costs an average of $37 per month.
Find Cheap Motorcycle Insurance Quotes in Alabama
Cheapest motorcycle insurance companies in Alabama
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $22 | |
| Geico | $24 | |
| Harley-Davidson Insurance | $24 | |
| Dairyland | $25 | |
| Allstate | $43 | |
| Nationwide | $82 | |
Best for most people: Progressive
-
Editor's rating
-
Cost: $22/month
Overview
Pros/cons
Progressive has the best mix of low prices, dependable service and useful coverage options in Alabama.
Overview
Progressive has the best mix of low prices, dependable service and useful coverage options in Alabama.
Pros/cons
Pros:
-
Cheapest rates in Alabama
-
Includes extra coverage
-
High customer satisfaction
Cons:
-
No option for rental reimbursement coverage
Progressive has the best mix of low prices, dependable service and useful coverage options in Alabama.
Pros:
-
Cheapest rates in Alabama
-
Includes extra coverage
-
High customer satisfaction
Cons:
-
No option for rental reimbursement coverage
Progressive is the best overall motorcycle insurance company for most riders in Alabama. It has cheap rates, lots of coverage options and well-rated customer service.
Progressive customers get some extra coverages by default that you'd have to pay for at 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.
As one of the largest auto and home insurers in the country, Progressive also has a generous bundle discount that will reduce your total insurance bill if you buy multiple policies.
Progressive motorcycle insurance gets 39% fewer complaints than an average company its size.
This shows customers are generally satisfied with their coverage and you're more likely to have an easy time when filing a claim after an accident.
The only major downside to 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 customer service: Dairyland
-
Editor's rating
-
Cost: $25/month
Overview
Pros/cons
Dairyland has top-rated customer service to go along with its affordable rates.
Overview
Dairyland has top-rated customer service to go along with its affordable rates.
Pros/cons
Pros:
-
Top customer service ratings
-
Affordable prices
Cons:
-
Few coverage options
-
Can't bundle with home insurance
Dairyland has top-rated customer service to go along with its affordable rates.
Pros:
-
Top customer service ratings
-
Affordable prices
Cons:
-
Few coverage options
-
Can't bundle with home insurance
Dairyland is well rated by its customers, with fewer than half as many complaints as a typical insurer.
That means customers are generally satisfied with their experience, especially when it comes to filing a claim.
Prices at Dairyland are also very affordable, at just $25 per month in Alabama. That's only $3 per month more than the cheapest option and well below the AL average of $37 per month.
However, Dairyland's coverage options and discounts are on the less generous side. While it does offer a few extras, it lacks in comparison to other picks.
Discounts available at Dairyland Insurance
- Loyalty discount
- Multicycle discount
- Homeowners discount
- New customer transfer discount
- Motorcycle rider course discount
- Motorcycle group insurance discount
- Harley Owners Group (H.O.G.) membership discount
Best for commuting and touring: Harley-Davidson
-
Editor's rating
-
Cost: $24/month
Overview
Pros/cons
Harley-Davidson is great if you use your bike for commuting or motorcycle touring.
Overview
Harley-Davidson is great if you use your bike for commuting or motorcycle touring.
Pros/cons
Pros:
-
Lots of coverage options
-
Great rates
Cons:
-
Low customer satisfaction
-
Doesn't offer car insurance
Harley-Davidson is great if you use your bike for commuting or motorcycle touring.
Pros:
-
Lots of coverage options
-
Great rates
Cons:
-
Low customer satisfaction
-
Doesn't offer car insurance
Harley-Davidson has great extras that will appeal to people who regularly use their bike for commuting or for going on long motorcycle tours.
That's because Harley-Davidson offers rental reimbursement, trip interruption and vacation rental coverage.
Prices at Harley-Davidson are also cheap, at an average of $24 per month. That's just $2 more per month than the cheapest option in the state.
However, Harley-Davidson gets a high number of complaints from its customers, for reasons like poorly managed insurance claims.
Also, Harley-Davidson only offers motorcycle insurance. If you own a car and motorcycle, you're missing out on some convenience as well as a possible discount by not bundling your motorcycle and auto insurance policies together.
Alabama motorcycle insurance cost by city
Among the largest cities in Alabama, motorcycle insurance rates are cheapest in the rural city of Clayton, with an average of $32 per month.
Motorcycle insurance is most expensive in Talladega, where rates average $58 per month. Even though quotes can be high in this 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 cost in AL by city
City | Monthly cost | % from average |
|---|---|---|
| Albertville | $34 | -7% |
| Alexander City | $33 | -10% |
| Andalusia | $36 | -2% |
| Anniston | $33 | -10% |
| Arab | $36 | -1% |
Huntsville and Birmingham, two of Alabama's largest cities, have motorcycle insurance rates that are around 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 rates 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.
- 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 $37 per month for full coverage motorcycle insurance in Alabama. Choosing a cheap company can save you about 40%. 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.
Methodology
ValuePenguin collected motorcycle insurance quotes from six 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.
The ValuePenguin team has a combined total of more than 50 years of experience in the property and casualty insurance industry.
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.