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Cheap Motorcycle Insurance Quotes in Alabama and Louisiana

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Finding Cheap Motorcycle Insurance in Alabama and Louisiana

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.

How much is Motorcycle Insurance in Alabama and Louisiana?

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.

What are the State-Required Minimum or Liability Motorcycle Insurance in Louisiana and Alabama?

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.

Alabama Louisiana
$25,000 Bodily Injury/Death One Person $15,000 Bodily Injury/Death One Person
$50,000 Bodily Injury/Death Per Accident $30,000 Bodily Injury/Death Per Accident
$25,000 Property Damage $25,000 Property Damage

How Does Motorcycle Insurance Work?

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.

What are the Motorcycle Laws in Alabama and Louisiana?

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.

How Can I Save Money on My Motorcycle Insurance Rates in LA and AL?

You can save money by finding discounts, maintaining a clean driving record and shopping around for your motorcycle insurance. Some discounts you may be able to find include:

  • Bundling policies
  • Taking an approved motorcycle safety course
  • Paying your premium upfront
  • Being current or former military

If you want to know what discounts you qualify for, you should call your insurance agent fairly often – at least annually. One of the biggest factors that will determine your premium is your driving history. If you have a clean history with no claims and no tickets, you’ll get a better rate. Likewise, if you are driving a cruising bike rather than a sport bike, you’ll likely see a lower rate.

Finally, shop around and compare motorcycle insurance rates. At USAgencies, we can do the work for you and find you several quotes that fit your needs and budget so you can pick the one you like the best.

Can I Get SR-22 Motorcycle Insurance?

Yes, you can. Just like with SR-22 car insurance, SR-22 motorcycle insurance will still be higher than normal, since it is designed to provide coverage to those who have been identified as high-risk drivers through something such as a DWI conviction.

Remember, SR22 is a certificate that an insurance company files on your behalf to let the state know you have the proper amount of required insurance. Filing an SR-22 actually costs between $20-$40. However, high-risk insurance is quite a bit higher than normal insurance.

Find Low Cost Motorcycle Insurance in Alabama and Louisiana Today

If you are ready to feel the wind in your hair and are looking for cheap bike insurance in Louisiana or Alabama, at USAgencies we can help you find a policy you can afford that provides the right coverage for your situation. Check us out for an online motorcycle insurance quote, give us a call at 800-420-3712 or come visit us in person and show us that beautiful bike!