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Motorcycle Insurance in Alabama

Montgomery, AL gets downright chilly in the winter. The Mitchell Agency LLC has motorcycle insurance solutions. Alabama motorcyclists enjoy some of the best cruises in the country, from the Natchez Trace Parkway to the Alabama Dragon along Route 25. With our mild weather, you can enjoy motorcycle cruises year-round. The Mitchell Agency LLC is here to ensure our Alabama motorcyclists can enjoy their cruise without worrying about the what-if. Our Alabama motorcycle policies have you covered.

What Motorcycle Insurance Does Alabama Require?

Alabama requires that bikers carry the same insurance coverages that autos have. That means a minimum of

• 50,000 for bodily injury protection
• 100,000 for property damage
• 25,000 for personal injury protection

What Are the Consequences for Uninsured Motorcycle Driving in Alabama?

Being caught without insurance is a misdemeanor that carries the following penalties in Alabama:

First Offense

• Fine: $500.
• Jail: Up to 3 months.
• Registration: Suspended 45 days.
• Reinstatement: $200 fee and SR-22* for one year after.
• The motorcycle is impounded.

Subsequent Offenses

• Fine: Up to $1000 or up to $3000 if a class B misdemeanor.
• Jail: Up to 6 months.
• License: Suspended for six months.
• Registration: Suspended for four months.
• Reinstatement: $400 fee and SR-22* for three years after.
• The motorcycle is impounded.

*SR-22 is a form you'd have your insurer file demonstrating sufficient coverage. This can result in higher premiums from your insurer.

Full Coverage Motorcycle Insurance in Alabama

Beyond the state-required, you may consider adding:

• Medical payments coverage
• Uninsured/underinsured coverage
• Comprehensive
• Roadside

Motorcycle Insurance Premiums

Motorcycles carry more risk than cars, and premiums can reflect that. We can help you locate discounts that may come from:

• Bundling coverages.
• Motorcycle Club memberships, including American Motorcyclist Association, Harley Davidson Owners Groups, and others

Get motorcycle coverage that works for you in Montgomery, AL. The Mitchell Agency LLC's friendly staff is ready to help you get the motorcycle insurance that meets your needs. Call or stop by today.