Georgia Motorcycle Insurance: Costs, Laws, and Quotes
Georgia residents face above-average rates for motorcycle insurance. Here’s why—and what you need to know.
Written by Kathryn Mae Kurlychek
Reviewed by Bellina Gaskey
On average,
motorcycle insurance
costs $669 per year in Georgia. That’s $12 more per month than the national average (around $519). - Georgia’s above-average rates of accident fatalities and uninsured motorists contribute to high motorcycle insurance rates across the state.
- Progressive often offers the lowest motorcycle insurance rates to Georgia residents.
- If you own a high-value bike or have violations on your record, it’s worth it to shop around for options before making a choice.
- Georgia’s above-average rates of accident fatalities and uninsured motorists contribute to high motorcycle insurance rates across the state.
- Progressive often offers the lowest motorcycle insurance rates to Georgia residents.
- If you own a high-value bike or have violations on your record, it’s worth it to shop around for options before making a choice.
How to find cheap motorcycle insurance quotes in Georgia
Motorcycle insurance in Georgia may be more expensive than in other states—but that doesn’t mean affordable rates aren’t out there! The easiest way to find cheap motorcycle insurance is to compare quotes from at least 3-5 providers.
Average cost of motorcycle insurance in Georgia
Motorcycle insurance costs an average of $669 per year in Georgia, or roughly $56 per month.
Compared to the national average of $519 a year, Georgia residents face above-average rates. The state’s high population density and higher numbers of fatal accidents are to blame for Georgia’s increased insurance costs.
Cheapest companies for full coverage Georgia motorcycle insurance
We’ve narrowed down four of the cheapest motorcycle insurance companies in Georgia and their rates here. These estimates are for a
full-coverage insurance policy
, which includes higher liability limits and other coverages like collision and comprehensive coverage.Insurer | Average annual rate for full coverage |
|---|---|
Markel | $544 |
$596 | |
$694 | |
Allstate | $733 |
These quotes may not reflect the exact prices you receive for coverage. Exactly what you pay for motorcycle coverage will depend on factors like the type of bike you own, your driving and insurance history, age, and address.
Are motorcycles cheaper to insure than cars?
Despite Georgia’s above-average motorcycle insurance costs, even full coverage for your bike will usually run you less than a car insurance policy.
For context, the average cost of car insurance in Georgia is $2,536 annually for liability coverage alone. That’s over three times the cost of the average motorcycle insurance policy!
Georgia motorcycle insurance coverage requirements
In Georgia, motorcycle operators must prove financial responsibility on the road by meeting the state’s minimum insurance requirements:
- $50,000 in bodily injury liability insurance per accident
Until you purchase the required amounts of insurance coverage shown above, you won’t be able to register your motorcycle or legally operate it on Georgia roadways.
What should a basic motorcycle insurance policy cover?
Buying your state’s minimum motorcycle insurance is the first step to creating a good policy—but it shouldn’t stop there.
An accident on your motorcycle could land you with thousands of dollars in repair or replacement costs, not to mention steep medical bills and potential liability.
It’s a good idea to invest in a full-coverage policy that includes protections like
comprehensive
and collision coverage
. Georgia recommends investing in at least uninsured motorist coverage
on top of its liability requirements, given the state’s high number of uninsured/underinsured drivers. You may also want to think about purchasing additional coverage for any custom parts or additional equipment on your motorcycle. Consider adding some of the following to your policy:
- Custom parts and equipment (CPE) coveragefor modified bikes
- Roadside assistance andtowing
- Carried contents and personal belongings coverage
- Total loss coverage
Bare-minimum coverage won’t protect you or your bike in an accident—so take advantage of as many additional coverage options as you can afford.
The best companies for Georgia motorcycle insurance
Need some help uncovering the best motorcycle insurance companies in the Peach State? We’ve included our top picks below for different rider types.
1. Best for affordable coverage: Progressive
The good: Unmatched coverage options, often the lowest rates in Georgia
The bad: Limited discount opportunities
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 91/100
With an average annual rate of just $596 per year, Progressive offers Georgia residents the lowest rates across the state. And you won’t have to sacrifice protection for the price!
The company has a broad selection of coverage options and add-ons to help you tailor the perfect policy for your bike, from enhanced injury protection coverage to a disappearing deductible.
2. Best for safe riders: Markel
The good: Rewards for safe drivers, tons of available discounts
The bad: Cannot bundle auto insurance
AM Best rating: A
BBB rating: A-
Jerry’s rating: 85/100
If you’re a rider committed to safe driving practices, you may find Markel to be the most rewarding insurance provider. Markel offers substantial discounts for safe riders—and it doesn’t stop there.
The company also offers a wide array of discount opportunities for customers (9, to be exact) that can help make a significant dent in your overall costs.
Notable discounts for Markel customers include the multi-unit discount, which provides a lower overall rate for insuring multiple motorcycles, as well as the transfer discount that rewards new policyholders who switch to Markel with 10% off.
Other available discounts include customer loyalty discounts and safety course discounts.
3. Best for customer service: Dairyland
The good: Wide range of coverage options, affordable full-coverage plans
The bad: Limited discount opportunities
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 84/100
Similarly to Progressive, Dairyland offers Georgia residents some of the lowest rates in the state, along with a range of optional coverages.
The difference? Dairyland boasts additional tools for customers—including a guided claims process and standout customer service—that give it an edge over other providers.
Most motorcycle insurance providers will offer full coverage policies, but not all providers offer a comprehensive and user-friendly experience.
If you’re looking for a company that can go the extra mile where customer service is concerned, Dairyland may be the right choice for you.
4. Best for high-risk bikers: Direct Auto Insurance
The good: Specializes in high-risk motorcycle insurance
The bad: Only available in 14 states
AM Best rating: A-
BBB rating: A+
Jerry’s rating: 82/100
When you’re just starting out on a motorcycle, you’re bound to make mistakes. If any of those mistakes involved traffic tickets, violations, or accidents, you may have been flagged as a high-risk driver.
The good news is, Direct Auto Insurance specializes in high-risk coverage and can even offer additional protections that other companies lack, like passenger liability coverage and motorcycle replacement coverage.
“Jerryis a great product with great customer service! The quote comparison found me lots of options in Georgia.” —Gregory K.
Methodology
In order to rate motorcycle insurance companies in Georgia, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%).
4.7
