Motorcycle Insurance in Alabama

Cruising Alabama’s scenic highways on two wheels? Make sure you’re protected with motorcycle insurance from GEICO. Whether you're riding through the Talladega National Forest or commuting through Birmingham, GEICO makes it easy to find the right policy at a rate that fits your budget.

Is Motorcycle Insurance Required in Alabama?

Alabama requires all motorcycle riders to carry liability insurance to legally operate their bike on public roads. You'll need to show proof of insurance when registering your motorcycle with the state. Riding without motorcycle insurance can lead to serious penalties, including fines, license suspension, and even having your vehicle registration revoked, so it’s important to stay covered.

Minimum Motorcycle Insurance Coverage Requirements in Alabama

Coverage Type What It Covers Alabama Minimum Limits
Bodily Injury Liability Injuries to others in an accident $25,000 per person / $50,000 per accident
Property Damage Liability Property damage you cause $25,000 per accident
Uninsured/Underinsured Motorist* Injuries if the other driver is uninsured $20,000 per person / $40,000 per accident

*Uninsured/underinsured motorist coverage is required by law in Alabama for motorcycle drivers. However, insureds may refuse or lower this coverage by signing a written waiver.

Optional Motorcycle Insurance Coverages in Alabama

Want more than just the bare minimum? GEICO offers optional Alabama motorcycle insurance coverages to help protect your ride and (almost) everything that comes with it. GEICO can give you extra peace of mind whether you're cruising around town or taking on the open road.

  • Collision coverage: Helps pay for repairs to your motorcycle after an accident, regardless of fault.
  • Comprehensive coverage: Covers damage from theft, vandalism, weather, or other non-collision events.
  • Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
  • Emergency Road Service with Trip Interruption: Helps cover road travel costs if your motorcycle is rendered inoperable during a trip at least 100 miles away from your residence.
  • Custom parts and equipment coverage: Protects upgrades like custom seats, paint, and chrome parts. GEICO provides $2,000 of custom parts and equipment coverage for qualifying vehicles. You must have comprehensive or collision coverage to qualify for this.
  • Transport trailer coverage: Provides comprehensive or collision coverage for trailers used to tow your motorcycle.
  • Stored gear: Up to $3,000 of coverage for gear stored on your motorcycle.
  • Safety riding apparel: Helps replace safety apparel damaged during a collision up to $3,000. GEICO provides $1,000 of safety riding apparel coverage for qualifying vehicles.
  • Total loss replacement: Provides the MSRP value of a new motorcycle of the same make and model in the event of a total loss of your covered motorcycle.

Discounts stack subject to minimum premium amounts that vary by product and by state.

How Much Does Motorcycle Insurance Cost in Alabama?

The cost of motorcycle insurance in Alabama can vary based on several factors, including your age, the type of bike you ride, where you live, and your driving history. Cruisers and touring bikes, for example, are typically more affordable to insure than sports models. Riders with clean records and years of experience may qualify for lower premiums than newer drivers or those with a history of accidents.

Discounts on Motorcycle Insurance in Alabama

At GEICO, we make it easy to save with a variety of motorcycle insurance discounts so you can get the coverage you need at a price you can afford, including:

  • Motorcycle policy transfer: Up to 10% discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
  • Multiple motorcycles: Up to 10% discount if you insure more than one motorcycle.
  • Mature riders: Up to 10% discount for mature riders.
  • Insurance renewal: Up to 10% discount when you renew your motorcycle insurance with GEICO® Motorcycle.
  • Safety course: Up to 10% discount for completing a Motorcycle Safety Foundation or Military Safety Course.
  • Instructors: Up to 20% discount if you are a current Motorcycle Safety Foundation instructor.
  • Multi-policy: Up to 10% discount on your motorcycle policy if you also insure your car or RV with GEICO.
  • Anti-theft: Discount extended to those vehicles equipped with Anti-Theft mechanisms.

Why Choose GEICO for Motorcycle Insurance in Alabama?

When it comes to protecting your bike, GEICO delivers the coverage, support, and savings riders trust. Thousands of motorcyclists across the country count on us for reliable insurance that fits their lifestyle and their budget. With GEICO, you get:

  • 24/7 claim support and easy-to-use digital tools to manage your policy anytime, anywhere
  • A fast, hassle-free claims process that gets you back on the road quicker
  • Flexible payment options to fit your financial needs

Learn more about why motorcyclists choose GEICO to protect their bikes.

Get a Free Motorcycle Insurance Quote in Alabama

Wherever your next ride takes you, make sure GEICO is along for the journey. Start your Alabama motorcycle insurance quote now, or contact our team for help exploring your coverage options and finding the perfect policy for your bike.