Best and Cheapest Motorcycle Insurance in Georgia for 2024

When you think of riding a motorcycle on open, scenic roads, Georgia may not be the first state that comes to mind. However, maybe it should be. Georgia, after all, has mild weather most of the year and a mix of urban and rural areas, with some gorgeous scenery for riders to enjoy.

If you decide to take advantage of all that Georgia has to offer for motorcycle riders, you must take certain steps to make sure you're doing so legally and safely. This includes purchasing Georgia motorcycle insurance.

Do I need motorcycle insurance in Georgia?

If you're going to get on the road on a motorcycle, motorcycle insurance is required in Georgia. You have to be able to show you can pay for damage you might cause in an accident. Even if you're not at fault, you could end up with serious injuries and a lot of medical bills in an accident. If you don't have coverage, you may not be able to pay your medical bills, let alone the cost of motorcycle repairs to get back on the road.

Georgia is also what's called an 'at-fault' state. That means when there's an accident, insurance companies have to determine who was at fault based on police reports for the most part. If they determine you're at fault, you'll be responsible for the other party's damages. Most importantly, if your insurance company doesn't cover the damages, the other party can sue you for the rest.

As a result, good motorcycle insurance coverage is essential. Similar to most states, Georgia requires motorcyclists to purchase liability insurance. The required minimums for Georgia motorcycle insurance are:

$25,000 for property damage,
$25,000 for bodily injury per person, and
$50,000 for bodily injury per accident.

If the costs incurred in an accident exceed your insurance coverages, you are still responsible for paying the bill. You may want to consider higher coverage limits and additional coverage like collision or comprehensive.

If you were to get into an accident with your motorcycle and you didn't have collision coverage, you'd be on your own to pay for the damages to your bike. You'd also be facing charges from the state that could add to your bill. Likewise, if your bike were to be damaged by a fire or severe weather, without comprehensive motorcycle insurance coverage, you wouldn't be covered for the damages and would need to pay for them out of your own pocket.

What is the average cost of motorcycle insurance in Georgia?

How much you'll pay for motorcycle insurance in Georgia depends in large part on where in the state you live. If you live in downtown Atlanta, you'll likely pay more than if you live in a more rural part of the state. Other factors, including the type of bike that you own and your age, will determine how much or how little you pay for motorcycle insurance in Georgia.

For example, if you're an experienced rider, you may pay around $500 per year for motorcycle insurance. However, if you're a new driver, you should expect to pay more for motorcycle insurance. Likewise, if you have a luxury motorcycle of high value, your premium could be more than $1,000 per year. If you've been in an auto or motorcycle accident in the past few years, your rates could rise.

There are many factors that affect the cost of motorcycle insurance in Georgia, including:

Your age
Your driving record
Where you live in Georgia
Where you store your bike
Your motorcycle, the type of bike and the age of the bike
If your motorcycle has any modifications
How much you drive each year (seasonal or full time)
Your deductible
The motorcycle insurance company you choose - Get 3+ quotes to find the best price for your needs.

You should pay close attention to these factors, and find the most affordable motorcycle insurance you can knowing what companies are looking for.

What coverage options do motorcycle drivers have in Georgia?

Many motorcycle insurance coverage options work in the same way that car insurance coverage does. If you're leasing or financing your bike, you'll likely be required by your lender to purchase collision and comprehensive protection in addition to any other coverages required by the state of Georgia. Depending on the lender, they might also ask you to get gap insurance to cover the difference if the amount you owe is greater than the amount you get out of your insurance at some point.

Most motorcycle insurance companies in Georgia offer the following coverages:

Liability insurance: Liability coverage is a required motorcycle insurance coverage in Georgia. There are two forms of liability coverage bodily injury liability and property damage liability:
- Bodily injury liability covers injury or death to other people in an accident that you caused while on your motorcycle.
- Property damage liability covers damage that you caused to another person’s property, such as their car.
- Motorcycle insurance liability also covers legal expenses in case you are sued. Liability doesn’t cover any injury to you or damage to your motorcycle. This coverage doesn’t have a deductible.
Collision insurance: Motorcycle insurance collision coverage protects your bike if it were damaged in a collision with another vehicle. In the event that you’re in an at-fault accident in which your motorcycle is damaged, your motorcycle insurance company would cover the cost of damages, up to your policy’s limit, after you paid your deductible.
Comprehensive insurance: Motorcycle insurance comprehensive coverage protects your motorcycle from damages not caused by a collision. Comprehensive covers damages from fire, theft, vandalism and anything else not caused by a car accident, including severe weather like a flood or hail. Similar to collision coverage, your motorcycle insurance company would cover the cost of damage, up to your policy's limit, after you paid your deductible
Uninsured/underinsured motorist (UM/UIM): Uninsured and underinsured motorist coverage protects you from drivers on the road who either don't have insurance or don't have enough insurance coverage. If you were to get into an accident with someone who is uninsured or underinsured, this coverage would help pay for medical treatment, lost wages and damage to your bike. Exactly what this coverage would pay for may vary based on your policy.
Medical payments: Medical payments coverage pays for medical payments from injuries to you or any of your passengers in an accident while you were on your motorcycle. Medical payments motorcycle insurance coverage is not available in all states. If you have health insurance, you may not need this coverage. If you don't have health insurance or you don't have enough health insurance coverage, medical payments coverage would be useful.
Personal injury protection: Some states require drivers to have personal injury protection (PIP) or no-fault insurance. This coverage is used instead of medical payments coverage in some states. It would cover any medical payments for injuries to you and your passengers regardless of who is at fault for the accident.

Should you include optional coverages in your motorcycle insurance quote?

In addition to the coverages outlined above, there are additional coverages you may want to consider purchasing. You may be able to add the following optional coverages to your Georgia motorcycle insurance policy.

Coverage for customized motorcycle parts: Most of the time, standard collision and comprehensive coverages don't cover motorcycle parts that aren't factory parts. For example, if you replaced your factory fenders with custom fenders, they may not be covered under a standard collision and comprehensive policy. For custom bikes, this could include most of the parts that give it a certain value. This could also include accessories coverage. It's essential to talk to an agent once you choose a company to discuss motorcycle policies.
Motorcycle trailer coverage: If you have a trailer for your motorcycle, make sure to ask your motorcycle insurance company about coverage for your transport trailer. Many companies offer coverage for your trailer for up to $7,500 for a flat tire, broken rails, and a wide range of other issues.
Roadside assistance in Georgia: Roadside assistance provides you with service in the event that you experience a mechanical or electrical malfunction with your motorcycle. It may even include towing (in some cases). With roadside assistance, you could be covered for help for various issues including if your bike were to run out of gas, have a dead battery, get a flat tire, and more.
Rental reimbursement in Georgia: Do You Need Motorcycle Insurance for Sports Bikes?
Replacement cost in Georgia: You have the option to choose replacement cost coverage or actual cash value coverage for your bike if it were a total loss.
- Actual cash value (ACV): ACV would give you a payout of the value of your bike at the time of its loss. Actual cash value would take into consideration the depreciation of your motorcycle.
- Replacement cost coverage: If you wanted more coverage, you could choose to have replacement cost coverage which may pay out enough for you to get a new bike. Talk with your motorcycle insurance company when you purchase a policy to find out which option would be best for your needs and for your bike.
Lay-up motorcycle insurance: Most Georgia motorcyclists will not need lay-up insurance, which is handy if you live in the northern part of the United States and only drive your motorcycle seasonally while storing it away in the winter months. Lay-up motorcycle insurance allows you to keep your comprehensive coverage active while pausing your other coverages.

No matter the type of motorcycle you have, whether it's a touring bike or a beautiful vintage number, you should still protect it against anything that could happen. The types of bikes that people usually think are the safest, the ones that are for display and in a garage most of the year, can still have something happen to them. If the roof of the garage caves in, or the bike gets stolen, those would be instances that would be protected under certain coverage levels. You can always talk to your insurer to see if there's a coverage policy that would work best for you even if your bike is just for display.

Do you need motorcycle insurance for sports bikes?

Do you need motorcycle insurance for dirt bikes and other similar recreational vehicles? If they are kept solely on private property and residential roads, you don't have to register a dirt bike in Georgia. So you technically don't need insurance. Some may still choose to get comprehensive coverage to insure it against weather-related and usage-based damages. Street bikes should always be registered.

How do you know if you're getting the best deal?

When shopping for motorcycle insurance in Georgia, you have a few options of policy types to choose from. Some car insurance companies allow policyholders to add motorcycle insurance to their car insurance policy as an endorsement or rider. You can choose to do this or purchase a separate motorcycle insurance policy.

In order to find the best and cheapest motorcycle insurance in Georgia, you'll want to shop around. You should get motorcycle insurance quotes from multiple companies so you can compare motorcycle insurance cost and coverage options. Make sure you're comparing like-policies. This way, you can see what the market is really offering. Motorcycle insurance rates in Georgia vary greatly by company.

Companies will typically ask for your motorcycle information, zip code, authorization to pull your credit score, and more. They want to establish a basic risk profile. This allows them to give you a basic rate quote. Once you've chosen a company, don't be afraid to ask them about further discounts. You might be surprised how much you can still save on average motorcycle insurance.

What kind of discounts do companies offer?

Many companies offer motorcycle insurance discounts to Georgia residents to help you get affordable rates. Motorcycle policies are often focused on medical costs more than property damage. The safety features of a motorcycle also don't have the same impact on rates that safety features on a car would.

If you know what to look for, you can find more competitive rates with virtually any motorcycle insurance provider. The following motorcycle insurance discounts are commonly offered.

Multi-policy discount: If you insure your motorcycle with a company with which you already have a policy for other types of insurance, you may qualify for a bundling discount. This discount may apply if you insure your motorcycle along with your car, home, apartment, condo, boat, or RV with the same company.
Multiple motorcycles discount: Some motorcycle insurance companies offer a discount if you insure more than one motorcycle with the same company on the same Georgia policy.
Biker group discount: Many motorcycle insurance companies offer biker group discounts or riding association discounts if you're a member of certain motorcycle organizations. Some examples of motorcycle organizations include the American Motorcycle Association and the Motorcycle Safety Foundation.
Mature riders discount: If you’ve had your motorcycle insurance for a certain number of years, your motorcycle insurance company may offer you this discount. It helps if you also have a clean driving record.
Safe driver discount: You motorcycle has certain safety and security features, such as anti-lock brakes or an anti-theft device, you may be eligible for a discount.
Safety and security discounts: If your motorcycle has certain safety and security features, such as anti-lock brakes or an anti-theft device, you may be eligible for a discount.
Motorcycle safety course discount: If you take a motorcycle safety course to educate yourself, your motorcycle insurance company may offer you a discount on your insurance.
Renewal discount: If you renew your motorcycle insurance policy, you may be rewarded with a discount. The longer you stay with the same company, the greater this could be for motorcycle coverages and more.
Transfer discount: Some motorcycle insurance companies offer a discount to bikers who switch or transfer their motorcycle insurance to them. Of course, the type of coverage you get may not be the same you're enjoying now. So always double check before you make a switch.

What laws do Georgia motorcycle drivers have to follow?

Extensive riding experience is not required to drive a motorcycle. You do need a Class M license or a Class M Instruction Permit in order to legally drive a motorcycle. Motorcyclists are not required to obtain the instructional permit before taking the Class M license exam, but doing so is the only way to get a road test reservation.

Georgia does allow motorcycle drivers who successfully complete the state’s Motorcycle Safety Program Basic Course to obtain a Class M license without taking a written test or a road test.

Similar to most states, Georgia requires motorcyclists to wear a helmet and eye protection at all times. The Peach State does not have an age restriction on motorcycle passengers, but it requires motorcycles to have a passenger seat and footrests.

Georgia motorcycle laws prohibit lane splitting, the practice of driving between lanes of slowed or stopped automobile traffic. Motorcyclists are allowed to ride two abreast in a single lane of traffic, though.

What is the weather like for motorcyclists in Georgia?

Georgia’s weather is favorable for motorcyclists, with the state known for short, mild winters and long, hot, humid summers. The spring and fall are known to be very comfortable. It snows occasionally in Georgia in the winter, but accumulating snow is rare outside of the state’s mountains.

How does Clearsurance rate and rank the best motorcycle insurance companies in Georgia?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

Price
Customer Service
Claim service
Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings of the best motorcycle insurance in Georgia are derived entirely from customer reviews and ratings. Keeping an eye on the customer satisfaction that stems from a company is just as important as keeping tabs on their financial strength. You want to know that the company that offers various types of coverage and affordable policies will also provide you with great customer care.

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