Alabama Motorcycle Insurance





Don’t be caught riding your bike uninsured. Whether you ride a sportbike or a custom, Motorcycle Insurance Co can assist you in finding the best AL motorcycle insurance rates and get your bike insured in just a few minutes minutes — 100% free! To get the best deal on motorcycle insurance in Alabama, you should see comparison quotes from competing companies. At Motorcycle Insurance Co, we allow you to do just that. Just submit your zip code in the box above. Motorcycle insurance companies who insure bikes in your location will be displayed. Click GO next to each insurer to see their customized prices.

Ready to Check Your Rates?

Do I Need Motorcycle Insurance in Alabama?

YES! Motorcycle insurance is required in Alabama. As in most states, the penalty for riding uninsured is significant, and insurance can protect you and your bike in the event of a crash, theft, or other mishap.

Minimum Liability Insurance Requirements in Alabama

  1. Bodily Injury Liability Limit for 1 Individual: $20K
  2. Bodily Injury Liability Limit for All: $50K
  3. Property Damage Liability Limit: $25K

Do You Have to Wear a Helmet in Alabama?

All Alabama motorcyclists must wear a helmet, no matter of age, engine displacement, max speed, or vehicle horsepower. Helmets with face protection are highly recommended.

Riding Hubs of Alabama

No matter where you live in Alabama, Motorcycle Insurance Co is there for you. Several of our high-traffic areas include:

  • Motorcycle Insurance Birmingham, AL
  • Motorcycle Insurance Montgomery, AL
  • Motorcycle Insurance Mobile, AL
  • Motorcycle Insurance Tuscaloosa, AL

Used Motorcycle Buying Checklist

When buying a used bike in Alabama, you want to use a checklist to make sure you get a good deal.

  • Do your homework. Research models online, talk to owners, and make sure you are getting the right bike for your budget, your riding style, and your experience level.
  • Make sure VINs match. Check to ensure that the VIN number on the title, the frame, and the motor all match.
  • Call in the VIN. Check with state authorities to make the bike is not stolen. You can also check with the manufacturer to check for any recalls
  • Inspect tire wear. You want at minimum 1/16″ tread. Needing to buy and install new tires can add a lot to the effective cost of the bike.
  • Inspect bearing play. If you can, put the bike on its centerstand and check for play in the steering head by tugging back and forth on the fork tubes. You can also check for side to side play in the rear wheel, a sign of wear in the swingarm bearings. Any play is bad.
  • Check maintenance records. Ideally, the owner can furnish written records. If not, he or she should be able to give a verbal account.
  • Inspect air filter and fluid levels. Filter should be clean. As for fluids, discolored brake fluids, darkened or dirty oil, or low coolant levels are all bad signs. If these regular maintenance details haven’t been carried out, the bike’s reliability could be compromised.
  • Give the bike a test run. Run up and down through the gears. Listen for strange engine sounds and be wary of burning smells.
  • Don’t forget to negotiate. Don’t just accept the asking price, especially if the seller said price was negotiable. Any issues you find running through your checklist are opportunities for getting the price down.
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