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Comprehensive Local Motorcycle Insurance Guide

Alabama Motorcycle Insurance

Motorcycle Registrations in AL

^ There are 132,465 registered motorcycles in Alabama, the 23rd highest number in the nation. [1]

Motorcycle Insurance in AL by City

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Motorcycle Insurance Providers in Alabama

AL Motorcycle Insurance

AL Motorcycle Insurance in Alabama

Motorcycle Insurance Coverage Requirements in Alabama

  • Minimum Liability Limits in AL: 25/50/25 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident

  • Insurer Verification of Insurance in AL [2]
    • Insurer must verify randomly selected insurance policies upon request.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Alabama Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Alabama

Mandatory motorcycle insurance coverage for riders in the state of Alabama.

  • Motorcycle Insurance Requirements in AL [2]
    • Bodily injury liability coverage
    • Property damage liability coverage

Motorcycle Helmet Laws in Alabama

    • Motorcycle helmets required for all riders. [3]

Motorcycle Insurance Laws & Regulations in Alabama

Motorcycle License Regulations in Alabama [4]

Detailed information about Alabama laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Alabama
  • Motorcycle License Laws in AL
    • A driver's license issued pursuant to state law suffices to operate a motor-driven cycle.
    • A person 14 years of age or older may obtain an operator's license for motor-driven cycle and must register with the Director of Public Safety.

Motorcycle Equipment Laws in Alabama [4]

Various regulations and laws in Alabama regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in AL
    • Protective headgear and shoes required for motorcycle operators and passengers.
    • Eye protection is not required for riders in Alabama.
    • Motorcycle carrying passengers, except in sidecar or enclosed cab, shall have footrests for passenger.
    • No person shall operate any motorcycle with handlebars more than 15 inches in height above that portion of the seat occupied by the operator.
    • There is no passenger age restriction in Alabama.

Rider & Driver Facts in Alabama

Rider & Driver Facts in Alabama

Alabama Motorcycle Registrations

  • Registered Riders in AL [1]
    • In 2012, Alabama totaled 132,465 motorcycles registrations.
    • This number ranks 23rd in the United States by state (including Washington, D.C.).
    • Note: AL ranked 21st in the nation in total auto registrations (all vehicle types) in 2011.

Alabama Highway Facts

  • Speed Limits in AL [3]
    • Rural interstates: 70 mph
    • Urban interstates: 65 mph
    • Other roads: 65 mph
  • Consumption of Motor Fuel in AL [5]
    • Alabama ranked 17th in the U.S. in 2011 in total motor fuel consumption.

Alabama Accident Reporting Regulations

  • Accident Reporting in AL [4]
    • Crashes are required to be reported in incidents of death, injury, or when property damage exceeds $250.
    • The deadline to file a (safety responsibility) report is 30 days.

Additional information about Alabama

About Alabama

Alabama as a whole has an approximate population of 4,779,736, which ranks 23rd in the nation. [6]

AL Motorcycle Insurance

AL Motorcycle Insurance

To learn more about Motorcycle Insurance in Alabama, or for additional resources related to Alabama Motorcycle Insurance, visit the Alabama Department of Insurance.

Did you know?

The type, style and age of the motorcycle you ride can affect how much you pay in motorcycle insurance premiums.

Alabama Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Alabama DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)