Who Has The Cheapest Motorcycle Insurance Quotes In Alabama?

Who Has The Cheapest Motorcycle Insurance Quotes In Alabama?

Motorcycle insurance in Alabama costs an average of $904 per year, a ValuePenguin analysis shows. Progressive offers the state's lowest rates, at an average of $397 for an annual policy.

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Motorcycle insurance doesn't just fulfill a legal requirement — it also protects you as a rider and the bike in which you've invested time and money. We gathered 300 quotes from across the state to identify the top insurers to fit your needs.

Best motorcycle insurance for most people: Progressive

Progressive is the top motorcycle insurance company for riders in Alabama because of a great balance of affordability, extensive coverage and service.
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The best motorcycle insurance for most riders in Alabama is Progressive. The company provides the lowest prices in the state and has a robust set of offerings when it comes to extra endorsements. Progressive also offers a wide range of discounts. Some of the extra protections it offers include:

  • Original equipment manufacturer (OEM) parts: You can purchase this protection to repair damage with new parts from the original maker. That means returning the bike to pre-accident condition or better.
  • Roadside assistance: Includes free towing to the nearest repair shop anywhere in the U.S.
  • Enhanced injury protection: If you're injured and can't work, you can get $1,000 a month for up to two years to help pay bills and expenses.

On average, Progressive offers the cheapest motorcycle insurance we found in Alabama.

The average annual rate from Progressive is $397 per year, 56% cheaper than the average in the state.

Progressive also provides a wide range of discounts for things like:

  • Completing a safety course.
  • Bundling with another Progressive policy.
  • Switching from another company.
  • Paying in full for a policy.
  • Being a member of USAA or the Harley Owners Group.

The company also has a lower rate of complaints than both Allstate and Dairyland, according to the National Association of Insurance Commissioners (NAIC). That rate was also lower than the expected number for a company the size of Progressive.

Best customer service: Geico

Geico has the best customer service of any motorcycle insurer we reviewed in Alabama.
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Motorcycle riders looking for strong customer service alongside good prices can turn to Geico. The company has some of the best customer service ratings we found, as well as a strong national reputation.

Geico has a 0.64 rating in the NAIC Complaint Index, meaning it received only about 64% of the expected number of complaints for a company its size. The low number of complaints points to customers being pleased with their experience compared to other companies, something that can pay off in high-stress situations.

Geico offers a small set of extra coverages, including roadside assistance and expanded parts coverage. It also has the second-lowest rates in Alabama, 27% cheaper than average.

As a major insurer, Geico offers several other types of insurance and discounts for bundling policies. Riders can also get breaks on rates for taking a safety course, renewing their policy and for being an older driver.

Best for military families: USAA

USAA offers insurance at a discount from a company with strong coverage options.
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Military members, veterans and some of their family members can get a great deal on insurance through USAA. The company has some of the best customer service around, but is only available to a limited group of consumers.

USAA doesn't sell its own motorcycle insurance, but instead works through Progressive. USAA members get a 5% discount, which can be added to Progressive's strong set of discounts.

USAA has a smaller number of agents than many larger competitors, so it would not be a top option for those looking to work with someone in person.

Best-rated Alabama motorcycle insurers

Among Alabama motorcycle insurers, Geico has some of the best customer service ratings you can find, which is something important to consider.

Insurer
NAIC Complaint Index
AM Best rating
Geico0.64A++
Progressive0.89A+
USAA0.98A++
Allstate1.03A+
Dairyland2.69A+

The NAIC combines car and motorcycle insurance into a single industry category. This means the scores are based on each company's combined premiums for motorcycles and cars.

Quality of customer service is an important part of your experience with a motorcycle insurance company and should be factored into your purchase decision. Two important ways we measure a company's level of service are the Complaint Index issued by the National Association of Insurance Commissioners (NAIC) and the company's AM Best Financial Strength Rating.

The NAIC Complaint Index compares a company's number of complaints by its share of the market. Lower numbers indicate better performance, and the average score is 1.0. A company with a better AM Best rating is in a better position to pay out claims, even in tough economic conditions.

Cheapest motorcycle insurance companies in Alabama

We collected motorcycle insurance quotes from across Alabama to determine the most affordable option. We found that Progressive offers the best rates for Alabamans, with an average price of $397 per year. Geico had the second-best price, with an average annual rate of $522.

A graph of the lowest motorcycle insurance rates in Alabama

Compare Motorcycle Insurance Quotes in Alabama

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Alabama motorcycle insurance cost by city

Your motorcycle insurance rates depend heavily on where you live, so we delved into the data to see which were the cheapest and more expensive cities in Alabama. Talladega has the state's cheapest rates, at $339 per year. The most expensive rate is $801 per year, found in four cities: Chatom, Jackson, Mobile and Thomasville.

City
Annual cost
Difference from state average
Albertville$349-36%
Alexander City$349-36%
Andalusia$71630%
Anniston$70228%
Arab$358-35%
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Alabama motorcycle insurance requirements

Alabama requires motorcycle drivers to purchase insurance. Although there are several options, such as putting up a cash bond, the most direct way to satisfy the requirement is a traditional insurance policy.

Coverage
Limits
Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$25,000

A rider can also put up $50,000 for a liability bond that will be held by the state and used to cover damages. There are also other options for coverage, such as medical payments.

Although you are only required to have the minimum limits, we strongly suggest you purchase more coverage if you can.

Methodology

We collected motorcycle insurance quotes from four major motorcycle insurance companies that operate in Alabama. Our sample rider was a 45-year-old man who rides a 2021 Harley-Davidson Street Glide. The coverage limits we used, which surpass the state minimums, are:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000
  • Collision: Included/$500 deductible
  • Comprehensive: Included/$500 deductible
  • All other coverages: Not included unless legally required

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.