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Alabama Motorcycle Insurance Requirements

Alabama Motorcycle Insurance Requirements

Alabama is located in the southeastern region of the United States. It is unofficially nicknamed the “Yellowhammer State” after the state bird. Most commonly it is known as the “Heart of Dixie.” The largest city by state is Birmingham, while the largest city by total area is Huntsville. The oldest city Mobile, was founded by French colonists. This is a state that works heavily in automotive, finance, manufacturing, mineral extraction, healthcare, retail, and technology jobs.

If you live in the state of Alabama and own a motorcycle, you need to make sure that you have adequate coverage. Each state has specific requirements that must be met for you to legally operate your motorcycle. When buying insurance it helps to have a basic understanding of what is required. By knowing what is required, you can decide whether the coverage is enough for you to feel secure on the road.

Alabama Motorcycle Insurance Requirements

Despite the fact that state residents aren’t required to demonstrate proof of financial responsibility when they register their bikes, state law mandates that they have some type of insurance coverage to legally operate a motorcycle.

How to Establish Financial Responsibility in Alabama

It isn’t just the law to establish financial responsibility, it’s essential to demonstrate that you will be able to pay for any damages that you or your motorcycle causes in the event of an accident.

You have a few options to show that you are financially responsible. You can either purchase:

  1. Traditional liability insurance policy
  2. Motor Vehicle Liability Bond for $50,000+
  3. Certificate of Cash Bond for $50,000+

As you can see, you have a few options to show that you will be able to handle an accident. It is up to you to select the method that best suits your needs.

Motorcycles / Two-Wheeled Vehicles Defined

Alabama requires all of its residents to obtain insurance or establish financial responsibility for any street-legal two-wheeled vehicle. If you aren’t sure as to whether your two-wheeled vehicle fits the legal description, you can contact a Mandatory Liability Insurance Unit to find out more. You will receive assistance in determining whether your vehicle needs to be registered and insured.

Motorcycle: In Alabama, this is defined as any motor vehicle with a seat or saddle and no more than three wheels. (Tractors are excluded).

Motor-Driven Cycle: Motor-driven cycles include motorcycles, motor scooters, and every bike with an attached motor. These have motors that are no more than five brake horsepower and no more than 150 cc engine displacements. These should also weigh less than 200 lbs.

Alabama Motorcycle Insurance Minimum Requirements

As was mentioned, you must purchase a Liability Insurance Policy, Certificate Cash Bond, or Motor Vehicle Liability Bond to legally drive your motorcycle or street-legal bike on state roadways.

When you purchase insurance, your policy must include at least:

  • $25,000 injury liability for one person

  • $50,000 for all injures in a single accident

  • $25,000 for property damage in a single accident

This is sometimes abbreviated as a plan: 25/50/25. Each of these numbers are in the thousands and are listed like this to easily demonstrate the bare minimum in regards to coverage. Make sure you do a little research on your own before settling on the bare minimum – you may want more coverage.

Helmet Requirements

No matter the amount of insurance that you purchase for your motorcycle, Alabama state law requires you to always wear a helmet. Regardless of whether you are the primary operator or just tagging along for a ride – you need a helmet.

Proof of Insurance

You always need to have proof of insurance or financial responsibility when you drive your motorcycle. There are many ways in which you can show that you have proof of coverage.

  • Insurance Card
  • Copy of Insurance Policy
  • Declarations Page
  • Premium Receipt
  • Binder
  • Certificate of Liability Policy
  • Rental Agreement
  • Motor Vehicle Liability Bond
  • Certificate of Cash Bond

Penalty for Lack of Insurance

In the event that you are caught without insurance or any proof of financial responsibility in Alabama, you’ll have to deal with a suspended registration. In order to reinstate your registration, you will have to go through a number of steps – depending on how many times you’ve failed to show proof of insurance.

First Offense – You’ll have to establish and provide proof of insurance or financial responsibility and pay a $100 reinstatement fee.

Second Offense – You’ll have to wait at least 4 months with a suspended registration, provide proof of insurance or financial responsibility, and pay a $200 reinstatement fee.

If you have any questions regarding coverage, penalties, or registration – call The Mandatory Liability Insurance Unit at (334) 242-3000. They will answer your questions and help you get the coverage that you need for your motorcycle.

Alabama Motorcycle Insurance Companies

In order to find an insurance company that provides you with the coverage that you need for your state, use the free search tool on this website. Simply type your Zip Code into the form below (or at the top of the page) and the top providers will be shown based on your location. Once the top insurers are shown, you can gather quotes and find out which companies offer the best prices in Alabama. When you have settled on an insurance company for a policy, you can decide to purchase extra coverage if you don’t feel secure with the bare minimum.

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