As a motorcyclist, you are lucky to live in one of the southern states where riding is possible almost year round. But you don’t want to push your luck too far by driving without the proper motorcycle insurance. Everybody who drives on Alabama and Louisiana roads is required to have insurance, including motorcyclists.

At USAgencies, we know you want to feel the wind in your hair. Our agents are experts at helping you find the best and cheapest motorcycle insurance available. Let us help you get peace of mind by being in compliance, as well as being protected.

In Alabama, your state-required minimum liability will run an average of $15 per month. Full coverage motorcycle insurance averages $33 per month in Alabama.

In Louisiana, the average cost for the minimum liability insurance is $14 per month and for full coverage, an average of $38 per month.

Although these amounts may seem low, the rate you get for your motorcycle insurance may not be the same. As with car insurance, motorcycle rates are based on many factors specific to each person, including your age, your driving history, the bike you drive and where you live in the state.

With our experience, at USAgencies we can make sure you are legally covered and have the right amount of protection to fit your budget, as well.

They state-required minimum is 25/50/25 for Alabama and 15/30/25 for Louisiana. States typically look at motorcycles exactly the same as cars when it comes to required liability insurance. Therefore, the amount you will need to carry is the same – however your insurance premium is lower since it doesn’t cost as much to repair or replace a motorcycle as it does an auto. Here is a chart to explain the required amount of motorcycle insurance for each state.

Motorcycle insurance is a legal agreement between an insurance company and a rider that if a covered event happens, such as a crash or theft, the insurance company will cover costs up to policy limits after the deductible has been met.

Alabama publishes a manual concerning that state’s motorcycle laws and rules. Helmets are mandatory for both driver and passenger in Alabama, although eye protection is optional. It is illegal to drive a motorcycle in between lanes of cars (lane splitting) and motorcycles must have their headlights on, although modulating (moving between full power and a dimmer state to catch the attention of other people on the road) is allowed.

Louisiana’s motorcycles rules are much the same as Alabama’s laws. Louisiana motorcyclists and their passengers are required to wear a helmet, and Louisiana does require eye protection. Louisiana requires a muffler on bikes and prohibits passengers under 5 years old. Louisiana wants you to have a headlight on at all times, although like Alabama, allows a modulating headlight. Lane-splitting is illegal.