Motorcycle Insurance
Whether you ride year-round or just on weekends, your motorcycle deserves the same protection as any other vehicle you own. At Goggans Insurance, we help riders in Alabama, Georgia and Tennessee find motorcycle coverage that fits their bike, their riding habits, and their budget.
Ready to get covered? Request your free motorcycle insurance today. 
What Is Motorcycle Insurance?
Motorcycle insurance is a policy designed to protect you financially if your bike is involved in an accident, stolen, or damaged — and to cover costs if you’re held responsible for injuring someone else or damaging their property while riding.
Like auto insurance, motorcycle coverage can be customized based on your needs. State law may require you to carry minimum liability coverage, and if your bike is financed, your lender will likely require additional protection as well. Even where coverage isn’t mandated, riding without insurance means any costs from an accident come directly out of your pocket.
What Does Motorcycle Insurance Cover?
Coverage varies by policy, but a standard motorcycle insurance plan may include:
• Liability coverage — Helps pay for bodily injury or property damage you cause to others in an accident
• Uninsured/underinsured motorist coverage — Provides protection if you’re hit by a driver who has little or no insurance
• Collision coverage — Helps cover damage to your motorcycle from a collision with another vehicle or object
• Comprehensive coverage — Covers damage from non-collision events such as theft, vandalism, fire, or weather
• Roadside assistance — Helps if your bike breaks down or leaves you stranded
• Towing coverage — Covers the cost of towing your motorcycle after a covered incident
• Trip interruption coverage — Can help with unexpected expenses if a covered breakdown leaves you stranded away from home
• Custom parts and equipment coverage — Protection for aftermarket accessories or specialized gear added to your bike
Coverage availability, terms, and limits vary by carrier and policy. Please speak with one of our agents to find out what options are available for your specific situation.
Why Do You Need Motorcycle Insurance?
Alabama requires motorcyclists to carry minimum liability insurance to legally operate on public roads. Beyond the legal requirement, the right policy protects you from out-of-pocket costs that can add up quickly after an accident — medical bills, repair costs, legal fees, and more.
If you’ve financed your bike, your lender will typically require comprehensive and collision coverage until the loan is paid off. And even if you own your motorcycle outright, a good policy gives you peace of mind every time you ride.
How to Get Motorcycle Insurance with Goggans Insurance
Getting covered is simple. The team at Goggans Insurance works with multiple carriers so we can compare options and find the right fit for you — whether you ride a cruiser, sport bike, touring model, or anything in between.
Here’s how to get started:
• Call us at the number above or any of our locations to speak with an agent
• Submit a quote request online using our quick quote form
• Stop by our one of our offices and we’ll walk you through your options in person
No pressure, no obligation — just honest guidance from a local team that knows the roads around here as well as you do.