Alabama motorcycle insurance

Illustration of a bridge over Mobile Bay in AlabamaIllustration of a bridge over Mobile Bay in Alabama

To get the most out of Alabama’s scenery, history, and motorcycle-friendly culture, make sure you understand the state’s rules of the road and have a motorcycle insurance policy that keeps you covered. 

What is required of all motorcycle riders in Alabama?

To legally operate a motorcycle in Alabama, you must be at least 16 years of age with a Class M driver’s license. Here are a few motorcycle laws to follow when you’re out on the road:

  • Helmet: All riders and passengers are required to wear a helmet.

  • Handlebars: Your motorcycle’s handlebars cannot be more than 15 inches higher than your seat.

  • Mirrors: Your motorcycle must have at least one mirror; it can be on either the left or right side.

  • Headlights: Your motorcycle must have a modulating daytime headlight.

  • Passenger seat and foot pegs: All passengers must have a dedicated seat and footrests or foot pegs.

  • Lane sharing: A maximum of two motorcycles are permitted to share the same lane.

  • Lane splitting: Lane splitting is illegal in Alabama, as are any other maneuvers that involve weaving in and out of traffic.

What are the motorcycle insurance requirements in Alabama?

You’re required to carry motorcycle insurance in Alabama, and you’ll need to show proof of insurance when registering your motorcycle. These requirements include bodily injury liability and property damage liability. 

Here are the minimum insurance coverages to legally ride in Alabama:

  • $25,000 for bodily injury liability per person

  • $50,000 for bodily injury liability for two or more persons

  • $25,000 for property damage liability

Keep in mind that if you’re involved in an accident in which the resulting damages exceed these required minimums, you could end up paying the remainder out of pocket. Selecting higher motorcycle insurance limits can help protect you and your assets.

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Understand your coverage

Discover our motorcycle insurance recommendations and tips on costs, coverages, and more.

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Does Alabama have any optional motorcycle insurance coverage?

Yes. In addition to the minimum liability insurance coverages listed above, we offer several optional coverages at affordable rates, including:

Comprehensive coverage

If you need repairs after your motorcycle is damaged by something other than a collision, comprehensive motorcycle insurance can help you with the costs. This coverage can apply to events like theft, vandalism, and even hail damage.

Uninsured motorist (UM) coverage

Approximately 12 percent of drivers nationwide are uninsured. And in Alabama, the uninsured rate is even higher, at 19.5 percent. That means nearly one out of every five motorists you encounter as you ride through Alabama is uninsured. What would happen if you were involved in an accident with one of those uninsured drivers?

In cases like these, UM insurance can help cover bodily injury costs and other expenses that would normally be covered by an insured at-fault driver’s policy.

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Your motorcycle insurance questions, answered

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Alabama motorcycle insurance discounts

At Dairyland, we offer a range of money-saving motorcycle insurance discounts. Here are some of the discounts available to Alabama riders:

  • Loyalty

  • Homeowner 

  • Harley Owners Group (H.O.G.) member

  • Operator safety course

  • Anti-theft

  • Motorcycle rider group

  • Multi-vehicle

  • Multi-line

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Sites to see in Alabama

Gulf State Park

Ride to the beach! Alabama has some of the most underrated coastal destinations in the country, including Gulf State Park. Enjoy white sand beaches, camping, hiking, fishing, and more. Trust us—there’s nothing quite like catching sight of the ocean after a day on your motorcycle.

Mobile Bay

Mobile Bay is a Gulf of Mexico inlet known for its beaches, birdwatching, and other recreational opportunities. Be sure to visit USS Alabama Battleship Memorial Park while you’re there, and don’t miss the famous sunsets over the water.

Birmingham Civil Rights District

The Birmingham Civil Rights District is a six-block area featuring various historical landmarks commemorating key moments in the Civil Rights movement. Visit for a sobering but enriching look at the area’s complicated history.

Want to explore Alabama off the beaten path? We have coverage options for your:

Get a Dairyland quote for Alabama motorcycle insurance

Ready to hop on your bike and enjoy all that Alabama has to offer? Ride with the peace of mind that comes with a custom motorcycle insurance policy. Give us a call at 866-324-7952 to get started.

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