Motorcycle Insurance Alabama & Georgia

What Motorcycle Insurance Coverage Do I Need?

Motorcycle insurance works differently than auto insurance. Riders face unique exposures—no steel cage around you, higher theft rates, and custom modifications that standard policies don't cover. We structure bike insurance to address these realities while keeping premiums reasonable. Bundle with home or auto for multi-policy savings.

Liability (BI/PD)

Required in both Alabama (AL) and Georgia (GA) at 25/50/25 minimums. Pays for injuries and property damage you cause to others. Higher limits protect your assets if you're sued after a serious accident—especially important given medical costs and litigation trends.

Collision

Covers damage to your motorcycle from crashes with vehicles or objects, regardless of fault. Required if your bike is financed. Choose a deductible that matches your emergency fund—higher deductibles lower premiums but increase out-of-pocket costs at claim time.

Comprehensive

Protects against theft, vandalism, fire, falling objects, and weather damage. Alabama and Georgia's mild winters mean year-round riding, but spring and fall bring peak season — and peak risk. Comprehensive bike insurance protects against theft (motorcycle theft spikes in warmer months), storm damage, and vandalism whether you're riding or parked.

Uninsured/Underinsured Motorist (UM/UIM)

Covers your injuries when an at-fault driver has no insurance or not enough. Riders are more vulnerable than car occupants, making adequate UM/UIM limits critical. Many riders match these to their liability limits for balanced protection.

Medical Payments (MedPay)

Pays medical bills for you and your passenger regardless of fault. Useful if you have high-deductible health insurance or want immediate coverage for emergency care. Neither Alabama nor Georgia requires PIP, so MedPay fills this gap.

Accessory & Custom Parts

Standard policies include $1,000–$3,000 for aftermarket parts. Chrome, custom exhaust, saddlebags, upgraded seats, and performance modifications can push values much higher. We can increase limits up to $30,000 to match your investment.

How Much Does Motorcycle Insurance Cost in Alabama?

How much is motorcycle insurance in Alabama? Most AL riders pay significantly less than car insurance. Average full coverage motorcycle insurance in Alabama runs approximately $369 per year — about $31 per month. That's typically 30-40% less than what you'd pay for auto insurance on a similar vehicle. Whether you're riding in Birmingham, Mobile, Huntsville, or smaller towns like Centre, Alabama motorcycle insurance costs benefit from the state's lower population density and fewer urban theft risks compared to other states.

When choosing Alabama motorcycle insurance, you'll decide between liability-only and full coverage motorcycle insurance. Liability-only bike insurance starts as low as $15-20 per month in Alabama, meeting the state's legal minimum of 25/50/25 ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage). However, we recommend full coverage motorcycle insurance for financed bikes and any motorcycle worth more than a few thousand dollars. Full coverage protects your investment and includes collision and comprehensive coverage for theft, vandalism, and weather damage — important considerations for Alabama riders who face tornado season and severe storms.

Comprehensive motorcycle insurance covers damage from theft, vandalism, fire, falling objects, and weather events. In Alabama, this protection matters especially during tornado season (March through May) and severe thunderstorm season. Comprehensive coverage also protects against theft, which can be a concern in urban areas like Birmingham and Mobile. While comprehensive motorcycle insurance adds to your premium, it provides peace of mind knowing your bike is protected whether you're riding or it's parked in your garage in Centre or stored outside.

Factors Affecting Your Motorcycle Insurance Rate:

Bike type (cruisers cost less than sport bikes)
Engine size and horsepower
Your riding experience and age
Annual mileage
Where you store the bike (garage vs. outside)
Safety course completion (typically 10-15% discount)

Motorcycle Insurance Cost by Bike Type

Average annual premiums in Alabama and Georgia vary significantly based on your motorcycle type. These estimates reflect full coverage with standard deductibles.

Bike Type	Liability Only	Full Coverage	Theft Risk	Recommended
Cruiser	$150–200/yr	$300–450/yr	Low	Full coverage
Sport Bike	$200–350/yr	$500–1,200/yr	High	Full + custom parts
Touring	$180–280/yr	$400–600/yr	Medium	Full + roadside
Dual Sport / ADV	$120–180/yr	$250–400/yr	Low	Full coverage
Scooter / Moped	$75–150/yr	$100–250/yr	Medium	Liability + comp

Rates vary by rider age, experience, location, and claims history. Call (256) 927-6287 or (706) 784-6511 for your exact quote.

Cheapest Motorcycle Insurance in Alabama

Finding the cheapest motorcycle insurance in Alabama starts with understanding what you actually need. Liability-only policies are the most affordable option, typically $15-20 per month, but they only cover damage you cause to others—not your bike. If you're riding an older motorcycle you own outright and can afford to replace, liability might be enough. However, if your bike is financed, worth more than a few thousand dollars, or you simply want protection for your investment, full coverage is usually worth the extra cost.

The cheapest motorcycle insurance in Alabama often comes from bundling. When you combine car and motorcycle insurance combined, you typically save 10-15% on all policies. Many riders in Birmingham, Mobile, and Huntsville find that bundling their car and motorcycle insurance combined with the same carrier simplifies billing and maximizes savings. We also help you qualify for discounts like safe rider programs, motorcycle safety course completion, and multi-bike policies if you own more than one motorcycle. Riders throughout Alabama can save by working with a local agency that helps you explore all available discounts and bundling options.

Remember that the cheapest motorcycle insurance in Alabama isn't always the best value. Alabama's 18% uninsured driver rate means adequate uninsured motorist coverage is essential. We help you find the right balance between affordable premiums and protection that actually covers you when you need it, whether you're commuting in Birmingham or taking weekend rides through the Alabama countryside.

Best Motorcycle Insurance in Alabama

The best motorcycle insurance in Alabama balances comprehensive protection with affordable premiums. It includes adequate liability limits (we recommend at least 50/100/50, higher than Alabama's 25/50/25 minimum), matching uninsured motorist coverage, and full coverage for your bike if it's financed or worth more than a few thousand dollars. The best policies also offer flexible deductibles, custom parts coverage for modifications, and roadside assistance for breakdowns on Alabama highways. Whether you're riding in Birmingham's urban traffic, cruising Mobile's coastal roads, or exploring Huntsville's mountain routes, the best motorcycle insurance adapts to your riding style and local risks.

Coffey Agencies offers competitive motorcycle insurance options in Alabama through our deep knowledge of available coverage and bundling expertise. Our licensed Alabama agents understand state requirements and local riding conditions, ensuring you get coverage that protects you without overpaying—whether you need basic liability for an older bike in Centre or comprehensive coverage for a new Harley in Birmingham. We also help you maximize discounts through bundling home and auto, safety courses, and multi-bike policies.

Motorcycle Insurance Georgia - Coverage for GA Riders

Motorcycle insurance Georgia riders need reflects the state's unique riding environment. From Atlanta's urban traffic to north Georgia's mountain roads, Georgia motorcycle insurance must address diverse risks. Georgia recorded 221 motorcyclist fatalities in 2022—the highest in a decade—making adequate coverage essential for every GA rider. Whether you're commuting on I-285, carving corners on GA-60 near Suches, or cruising through Savannah, your motorcycle insurance Georgia policy should match how and where you ride.

How much does motorcycle insurance in Georgia cost? Georgia riders typically pay $400-450 per year for full coverage—slightly higher than Alabama due to higher urban density and theft rates in the Atlanta metro area. The cheapest motorcycle insurance Georgia offers starts around $20-25/month for liability-only coverage meeting the state's 25/50/25 minimum requirements. However, we recommend higher limits given Georgia's traffic density and uninsured driver rates. Georgia motorcycle insurance rates depend on your location (Fulton and Gwinnett counties cost more than rural areas), bike type, riding experience, and coverage selections.

Finding cheap motorcycle insurance Georgia riders can afford starts with bundling. Combine your motorcycle with auto or home insurance for 10-15% savings. MSF course completion earns additional discounts with most carriers. For riders in Rome, Cartersville, Dalton, and throughout northwest Georgia, our local knowledge helps match you with carriers that understand Georgia riding conditions. We serve riders across Floyd County, Bartow County, Gordon County, Whitfield County, and the greater Atlanta metro—reviewing rates to find competitive motorcycle insurance Georgia coverage.

Motorcycle Insurance for New Riders

Motorcycle insurance for new riders in Alabama typically costs more than for experienced riders, but there are ways to keep premiums manageable. New riders often pay 20-30% more than riders with several years of experience, reflecting the higher accident risk during the first few years. However, completing a Motorcycle Safety Foundation (MSF) course can reduce your premium by 10-15% and teaches essential skills for safe riding. Many new riders in Birmingham, Mobile, and Huntsville start with liability-only coverage to keep costs down, then add full coverage once they've gained experience and confidence. We help new riders understand their coverage options and find policies that protect them without breaking the bank.

When shopping for motorcycle insurance for new riders, consider starting with a smaller, less powerful bike—insurance costs are significantly lower for cruisers and standard motorcycles compared to sport bikes. New riders should also prioritize uninsured motorist coverage given Alabama's 18% uninsured driver rate, which is higher than the national average. We recommend new riders in Alabama maintain higher liability limits (at least 50/100/50) since inexperience increases the likelihood of at-fault accidents. As you gain experience and maintain a clean riding record, your premiums will decrease. Many of our new rider clients in Centre and throughout Alabama see their rates drop by 15-25% after their first year of safe riding.

What Scenic Routes Do We Insure Riders For?

Alabama and Georgia offer some of the Southeast's best motorcycle roads. Whether you're cruising Cheaha, carving corners on GA-60, or riding the Natchez Trace, your bike insurance should match the roads you travel.

Alabama Scenic Routes

Cheaha Mountain

Alabama's highest point with sweeping curves through Talladega National Forest

Little River Canyon Parkway

23 miles of scenic riding along the canyon rim in DeKalb County

Natchez Trace Parkway

Historic route through northwest Alabama with no commercial traffic

US-431 through Anniston and Gadsden

Popular cruiser corridor connecting northeast Alabama

Georgia Scenic Routes

GA-60 to Suches

Known as "The Dragon's Lair" with 60+ miles of mountain curves

GA-180/Brasstown Bald

Climb to Georgia's highest peak on twisting mountain roads

GA-52 through Ellijay

Apple country with rolling hills and light traffic

Richard B. Russell Scenic Highway (GA-348)

14 miles of Alpine-style switchbacks

What Motorcycle Brands Do We Cover?

We provide bike insurance for all major brands. From a vintage Harley Sportster to a new Honda Gold Wing, we match your bike with the right coverage at competitive rates. Custom builds, trikes, and three-wheelers welcome.

Harley-Davidson

Road King, Street Glide, Sportster, and the full touring lineup

Honda

Gold Wing, Rebel, Shadow, Africa Twin, and CBR sport bikes

Yamaha

V-Star cruisers, MT series, YZF sport bikes, and Super Ténéré adventure bikes

Kawasaki

Vulcan cruisers, Ninja sport bikes, and Versys adventure models

Indian

Chief, Scout, Chieftain, and the Challenger lineup

BMW

R series, K series, and GS adventure bikes

Triumph

Bonneville, Street Triple, Tiger, and Rocket 3

What Risks Do Alabama & Georgia Riders Face?

The Southeast offers year-round riding but comes with hazards that shape how we recommend coverage. Georgia recorded 221 motorcyclist fatalities in 2022—the highest in a decade. Alabama saw motorcycle deaths jump 36% from 2023 to 2024. Whether you commute on I-20 through Birmingham, I-75 through Atlanta, I-65 through Montgomery, or US-431 through Anniston, understanding these risks helps AL and GA riders choose appropriate limits and deductibles.

Seasonal weather

Spring storms bring sudden rain and hail. Summer heat causes fatigue. Fall means leaves on pavement and peak deer season from October through December. Comprehensive coverage addresses weather and animal strikes.

High-risk corridors

I-20, I-65, I-75, I-85, and US-431 (nicknamed "Highway to Hell") see disproportionate motorcycle incidents. Higher liability and UM/UIM limits make sense if you ride these routes regularly.

Urban vs. rural

Metro areas like Atlanta and Birmingham have more crashes overall, while rural roads see more fatalities due to higher speeds and delayed emergency response. Either environment warrants adequate medical coverage.

Uninsured motorists

Alabama and Georgia rank among the highest for uninsured drivers. UM/UIM coverage protects you when the at-fault party has no insurance or insufficient limits.

Rider Communities Across Our Service Area

Jefferson County motorcyclists navigate Alabama's busiest urban corridors—I-65, I-20/59, and the I-459 beltway—where heavy traffic and distracted drivers contributed to Alabama's 92 motorcyclist fatalities in 2023. The Birmingham metro offers scenic routes like Highway 119 through Cahaba Valley and access to Barber Motorsports Park, but urban theft risk means comprehensive coverage is essential for bikes parked downtown or in apartment complexes.

Tuscaloosa County riders enjoy cruises along Lake Tuscaloosa and AL-69's countryside, but the University of Alabama's student population creates traffic unpredictability—especially on game days when McFarland Boulevard and I-59/20 see congestion spikes. Etowah County has embraced motorcycle culture with popular meet-ups at Noccalula Falls and scenic routes like AL-211 up Lookout Mountain. Gadsden's position on the I-59 corridor (Birmingham-Chattanooga route) brings through-traffic that riders must navigate carefully.

In Cherokee County, rural highways around Weiss Lake and connecting routes to the Talladega Scenic Drive attract weekend riders. The open roads and mountain foothills offer beautiful rides but present challenges—narrow two-lanes, wildlife crossings, and higher speeds on country roads mean even infrequent accidents can be severe. Madison County riders access Huntsville's growing urban grid and quick escapes to rural routes, while Tuscaloosa and Etowah counties each averaged about one tornado per year historically—a reminder that comprehensive coverage protects bikes from storm damage during Alabama's severe weather season.

Georgia's riders enjoy different dynamics. Floyd County provides access to scenic northwest Georgia routes—riders from Rome cruise U.S. 27 to Lookout Mountain or explore backroads toward the Appalachian foothills. Fulton County presents Atlanta's challenging urban riding environment: the Downtown Connector and I-285 Perimeter demand defensive riding skills, and Georgia's 217 motorcyclist deaths in 2022 (12% of all traffic fatalities) underscore the risk. Metro Atlanta's vibrant bike nights in East Atlanta Village and charity rides reflect strong rider culture, but bike theft remains a serious concern—high-end sport bikes and custom Harleys disappear from parking decks and apartments.

Gwinnett County riders balance suburban routes with I-85 corridor challenges, while Cobb County offers both Marietta's city streets and quick access to north Georgia mountain roads. DeKalb and Bartow counties each see their share of commuter riders and weekend warriors heading to the mountains.

ZIP code-level considerations matter for motorcycle insurance pricing and risk. Birmingham's 35242 (Hoover/Greystone) offers suburban garaging advantages—lower theft risk than downtown while maintaining access to Jefferson County's riding community and events. 35215 (northeast Birmingham) sees higher urban theft exposure, making comprehensive coverage critical. 35173 (Trussville) combines safe garaging with proximity to scenic rides toward Pell City and Logan Martin Lake.

Montgomery's 36117 includes EastChase's newer developments where garage parking is common, plus military riders from Maxwell Air Force Base who often carry solid coverage given deployment considerations. 35960 (Centre in Cherokee County) delivers rural garaging benefits—minimal theft risk, lower overall premiums, and easy access to Weiss Lake's scenic loop roads and connections to mountain routes.

Georgia's 30044 and 30043 (Lawrenceville area) reflect Gwinnett's suburban character—many riders garage bikes in newer subdivisions before weekend runs to Helen or Dahlonega. 30161 (Rome) balances small-city affordability with northwest Georgia's riding opportunities. 30120 (Cartersville) provides I-75 corridor access while staying clear of Atlanta's urban theft hotspots. Atlanta's 30349 (College Park area) carries higher theft risk—sport bikes and cruisers need comprehensive coverage and preferably secured parking.

Seasonal patterns affect all these areas: Alabama and Georgia riders enjoy long seasons (March through November), but summer thunderstorms create afternoon hazards, and winter sees reduced riding in December-February. Many riders carry year-round policies to protect against off-season theft and storm damage, though some carriers offer lay-up discounts for stored bikes.

How Can I Save on Motorcycle Insurance?

Complete an MSF course

The Motorcycle Safety Foundation course satisfies licensing requirements and earns 10-15% premium discounts with most carriers. The skills pay dividends beyond the savings.

Bundle policies

Combining your bike insurance with auto, home, or renters insurance unlocks 10-15% multi-policy discounts and simplifies billing. Works for AL and GA riders.

Choose your bike wisely

Cruisers and touring motorcycles cost less to insure than sport bikes. If you're shopping for a new ride, insurance cost is worth factoring in.

Secure storage

Garaging your bike and installing anti-theft devices (alarms, GPS trackers, disc locks) can reduce comprehensive premiums significantly.

Pay in full

Annual payment typically costs less than monthly installments. We'll quote both options so you can decide and maximize savings.

Mature rider & multi-bike discounts

Experienced riders 25+ often qualify for mature rider discounts. Insure two or more motorcycles together for additional multi-bike savings.

How Does Alabama's Guest Passenger Law Affect Coverage?

Alabama's guest statute limits a passenger's ability to sue the rider for ordinary negligence. This affects how standard liability coverage responds if your passenger is injured. Many Alabama riders add guest passenger liability coverage to ensure passengers have full protection. Georgia does not have this limitation—passengers there are treated as standard third parties. We'll explain how this affects your specific situation during the quote process.

Motorcycle Insurance Questions We Answer Every Day

Do I need motorcycle insurance in Alabama and Georgia?

Yes, motorcycle insurance is legally required in both Alabama and Georgia. Both states mandate identical minimum liability limits of 25/50/25, meaning $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Riding without coverage in Alabama carries fines up to $500 plus registration suspension, while Georgia penalties range from $200 to $300 with possible license suspension. We strongly recommend carrying limits well above these minimums for real-world protection, especially given that medical costs from a single motorcycle accident often far exceed minimum coverage amounts. Whether you ride through north Georgia mountain roads or cruise the backroads of Cherokee County, our licensed agents at our Centre, AL and Rome, GA offices can walk you through your options in English or Spanish and help you find the right liability limits for your riding habits and budget.

How much does motorcycle insurance cost in Alabama and Georgia?

In Alabama, average full coverage motorcycle insurance runs approximately $369 per year, which works out to about $31 per month. Georgia riders typically pay $400 to $450 per year due to higher urban density and theft rates around the Atlanta metro area. Liability-only coverage starts as low as $15 to $20 per month in both states, making motorcycle insurance one of the most affordable vehicle coverage types available. Sport bikes generally cost more to insure than cruisers or touring motorcycles because of their higher accident and theft rates. Your specific rate depends on your bike type and value, riding experience, where you store the motorcycle, and whether you ride primarily in urban or rural areas. Call our Centre, AL or Rome, GA office and we will quote your exact situation so you know what to expect before committing.

Is motorcycle insurance cheaper than car insurance?

Typically yes, motorcycle insurance costs significantly less than car insurance in both Alabama and Georgia. Liability-only motorcycle coverage often runs $15 to $25 per month compared to $100 or more for auto liability. In Alabama, average full coverage motorcycle insurance is about $369 per year, which is roughly 75 percent less than the average car insurance premium. However, full coverage on an expensive sport bike with high horsepower can sometimes approach car insurance costs. Factors like your bike's value, your age, years of riding experience, and whether you have completed an approved safety course all affect pricing. Bundling your motorcycle policy with your auto or home insurance through our Centre, AL or Rome, GA offices often saves an additional 10 to 15 percent across all your policies, making your overall insurance costs even more manageable.

What does motorcycle insurance cover?

Motorcycle insurance provides several layers of protection tailored specifically to riders in Alabama and Georgia. The core coverages include liability for injuries and property damage you cause to others, collision coverage for damage to your bike from crashes, and comprehensive coverage protecting against theft, vandalism, weather damage, and fire. You can also add uninsured and underinsured motorist protection, which is especially important given Alabama's 18 percent uninsured driver rate. Medical payments coverage handles your injuries regardless of fault, and accessory coverage protects custom parts and modifications up to $30,000. Optional add-ons include roadside assistance for breakdowns on routes like Cheaha Mountain or the Natchez Trace, trip interruption reimbursement, total loss replacement, and trailer coverage for transport. Our licensed agents at our Centre and Rome offices help you build a policy that matches your riding style and budget.

Does motorcycle insurance cover passengers in Alabama?

Yes, motorcycle policies in both Alabama and Georgia include coverage for passengers riding with you. However, Alabama has a unique guest statute that limits a passenger's ability to sue the rider for ordinary negligence, which affects how standard liability policies respond to passenger injury claims. Because of this law, many Alabama riders add guest passenger liability coverage to ensure their passengers receive full protection in the event of an accident. Georgia does not have this limitation and treats passengers as standard third parties entitled to full coverage under your liability policy. Whether you ride through Little River Canyon with a passenger or cruise the backroads around Rome, GA, our licensed agents at our Centre and Rome offices will structure your policy appropriately based on where you ride most often.

Are custom parts and accessories covered?

Standard motorcycle policies typically include $1,000 to $3,000 in accessory coverage, but that base amount often falls short for riders who have invested in aftermarket upgrades. If you have added chrome, saddlebags, a custom exhaust system, upgraded seats, performance parts, or LED lighting, you can increase your accessory coverage limit up to $30,000 depending on your policy. We recommend documenting all modifications with detailed photographs and receipts, which makes the claims process much smoother if something happens. This is especially important for heavily customized Harleys, Indian builds, and custom choppers common among riders across Alabama and Georgia. Our agents at our Centre, AL and Rome, GA offices can review your build list and adjust your limits to match your actual investment so nothing falls through the cracks.

Can I suspend motorcycle insurance during winter?

Some insurers offer lay-up or seasonal policies that suspend liability and collision coverage while maintaining comprehensive protection for theft and fire during storage months. This can save you money if you park your bike from December through February. However, if your motorcycle remains registered in Alabama or Georgia, state law technically requires continuous liability coverage, so dropping liability while registered could create a legal gap. Your options include lay-up coverage that keeps comprehensive active, reducing to comprehensive-only if your carrier allows it, or temporarily canceling your registration and then reinstating both registration and full coverage in spring. Our Centre, AL and Rome, GA offices can walk you through the best approach for your specific situation so you stay protected without overpaying during months you are not riding.

Does a motorcycle safety course lower insurance?

Yes, completing a Motorcycle Safety Foundation course or a similar state-approved program typically earns a 10 to 15 percent discount on your premium with most insurers. The discount often lasts three to five years and can be renewed by taking a refresher course. Alabama and Georgia both offer MSF courses at multiple locations, and in some cases the course satisfies your state licensing requirements as well. Beyond the insurance savings, these courses significantly improve your riding skills, hazard awareness, and accident avoidance techniques, which pay dividends every time you hit the road. Whether you are a new rider preparing for your first season or an experienced rider looking to sharpen your skills on routes like GA-60 near Suches, we strongly encourage completing a course. Ask our agents for recommended programs near you.

Does my auto insurance cover my motorcycle?

No, and this is one of the most common misconceptions we encounter from riders across Alabama and Georgia. Auto insurance policies contain specific exclusions for motorcycles, meaning your car insurance provides zero coverage when you are operating a motorcycle. You need a completely separate motorcycle insurance policy with its own liability, collision, and comprehensive coverage. The good news is that many insurers offer substantial multi-policy discounts when you bundle your motorcycle and auto coverage together, typically saving 10 to 15 percent on your combined premiums. Bundling also simplifies your insurance management since both policies can share the same renewal date and billing cycle. Some riders mistakenly assume they are covered while test-riding a friend's bike or picking up a new purchase from the dealership. Without a motorcycle policy in force, you have no protection in those situations. Our agents at Coffey Agencies can set up your motorcycle policy and bundle it with your existing auto coverage to maximize your savings.

What's the difference between motorcycle and auto insurance?

The core coverages are similar between motorcycle and auto insurance, including liability, collision, comprehensive, and uninsured/underinsured motorist protection. However, motorcycle policies are specifically designed to account for the unique risks riders face. Motorcycles have significantly higher injury severity rates per mile traveled because riders lack the structural protection of a car, which affects how medical payments and liability coverage are priced. Theft patterns differ as well, with sport bikes and certain cruiser models being disproportionately targeted. Motorcycle policies often include or offer custom parts and equipment coverage for aftermarket accessories, which is not standard on auto policies. Seasonal lay-up discounts are another motorcycle-specific feature, allowing riders in Alabama and Georgia to reduce premiums during winter months when the bike is stored. Perhaps the biggest difference is how dramatically premiums vary based on bike type. A 600cc sport bike can cost two to three times more to insure than a cruiser of similar value, whereas the difference between insuring a sedan versus an SUV is relatively modest.

What happens if I only ride seasonally?

Many insurers offer lay-up or seasonal discounts when your motorcycle is stored and not being ridden, which is a smart way to save money during the cooler months. During a lay-up period, your comprehensive coverage remains fully active, protecting your bike against theft, fire, vandalism, and weather damage while it sits in your garage or storage area. Liability and collision coverage are suspended since you are not operating the motorcycle on the road. This arrangement can reduce your premiums by 10 to 50 percent during the off-season months, depending on how long the lay-up period lasts. Alabama and Georgia riders enjoy one of the longest riding seasons in the country, but even here, many riders store their bikes from December through February. The key is coordinating your lay-up schedule with your insurer so coverage reactivates before your first spring ride. Never simply cancel your policy entirely, as a coverage gap raises future premiums and leaves your bike unprotected. Ask your agent at Coffey Agencies about setting up an automatic seasonal schedule.

What if I'm hit by an uninsured driver?

Uninsured and Underinsured Motorist coverage, known as UM/UIM, protects you in exactly this situation, and for motorcycle riders it may be the most critical coverage on your policy after liability. Alabama has one of the highest uninsured driver rates in the nation at approximately 18 percent, and Georgia runs around 12 percent. That means roughly one in every six to eight drivers sharing the road with you may have no insurance at all. When an uninsured driver hits you on your motorcycle, your own UM coverage steps in to pay your medical bills, lost wages, and motorcycle repairs. UIM coverage kicks in when the at-fault driver has insurance but not enough to cover the full extent of your damages. Given that motorcycle accidents tend to produce more severe injuries than car accidents due to the lack of structural protection, medical bills can escalate quickly into six figures. We strongly recommend carrying UM/UIM limits that match your liability limits. Hablamos Espanol at Coffey Agencies.

How do I file a motorcycle insurance claim?

Call your insurance agent immediately after an accident, before calling any insurance company 800 number. Your local agent knows your specific policy, understands Alabama and Georgia traffic laws, and will advocate for your claim from the very beginning. At Coffey Agencies, our agents are accessible at (256) 927-6287 in Centre, AL and (706) 784-6511 in Rome, GA. Before making that call, document everything at the scene. Take photographs of all damage to your motorcycle and the other vehicle from multiple angles, capture road conditions and traffic signals, get contact information from any witnesses, and obtain the police report number. Do not admit fault at the scene. Alabama follows contributory negligence, meaning any fault on your part could bar recovery entirely, and Georgia uses modified comparative fault. Let the investigation determine responsibility. Your agent will guide you through the entire claims process, coordinate repair estimates, help you access medical payments coverage, and handle communications with the other party's insurer so you can focus on recovery.

Can I insure a motorcycle I'm still financing?

Yes, you can absolutely insure a motorcycle you are still financing, and in fact your lender will require it as a condition of the loan. Financed motorcycles must carry comprehensive and collision coverage in addition to the state-required liability minimums. This protects the lender's financial interest in the vehicle. Your lender will be listed on your insurance policy as a lienholder, meaning they receive notification of any policy changes, cancellations, or lapses. If your coverage lapses, the lender may purchase expensive force-placed insurance and add the cost to your loan balance. Once the loan is fully paid off, comprehensive and collision coverage become optional, though we still recommend both, especially for bikes worth more than a few thousand dollars. Theft and weather damage do not care whether you have a loan or not. Our agents at Coffey Agencies help riders across Alabama and Georgia set up financing-compliant motorcycle policies that meet lender requirements while keeping premiums as low as possible through available discounts and bundling.

What Our Clients Say

"Lexi was patient and helpful when I stopped by to ask multiple questions. She's an asset to the office."

Teresa G.

Centre, AL

"Marie was very helpful and professional. She deserves a raise! Coffey Agencies is the best insurance company."

Casey J.

Rome, GA

"Recently switched all my insurance with Cody. Customer service is impressive and rates are lower. Transition was painless."

Kerry G.

Centre, AL

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Motorcycle Insurance Across AL & GA

We insure riders across Alabama (AL) — including Jefferson County (Birmingham), Montgomery County, Mobile County, Cherokee County (Centre), Etowah County (Gadsden), and Calhoun County (Anniston) — as well as Georgia (GA) communities in Floyd County (Rome), Bartow County (Cartersville), Gordon County (Calhoun), Whitfield County (Dalton), Fulton County (Atlanta), and Gwinnett County.

ZIP Codes We Serve: 35242, 35215 (Birmingham area), 36117 (Montgomery), 36695 (Mobile), 35960 (Centre), 30161 (Rome), 30120 (Cartersville), 30701 (Calhoun), 30720 (Dalton), and surrounding communities throughout AL and GA.

Don't see your city? Contact us — we serve all of AL and GA.

Protect more than your bike. Explore our auto insurance for your car or truck, home insurance for your property, or boat insurance for your watercraft. Bundle multiple policies to save 10-15% across all your coverage in AL and GA.

Ready to Get Your Motorcycle Covered?

Call us today or request a free bike insurance quote online. We'll walk you through your options and answer every question.

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Or call us: (256) 927-6287 | (706) 784-6511

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