MOTORCYCLE – Georgia

Motorcycle Insurance In Georgia

Rates so good you’ll celebrate with a Georgia peach!

Motorcycle Insurance in Georgia: Coverage Options

When looking for Motorcycle insurance, it works almost the same as looking for auto insurance. What are your coverage options you might wonder? Here are a few!

Collision Insurance: Motorcycle collision coverage protects your motorcycle if at any point you were in an accident with another vehicle. In the case of an at-fault accident and your motorcycle was damaged, your insurance would cover the cost of damages, after you’ve taken care of your deductible, they will pay to your policy’s limit.                                                

Liability Insurance: Liability Insurance is required of Motorcycles in the state of Georgia. There are two forms needed:

  1. Bodily Injury: Will cover Injury to another person, while you’re on the Motorcycle or even accidental death.
  2. Property damage: If in the case you damage another vehicle with the Motorcycle, this will cover damages.

For Liability Insurance (property and bodily injury) You’re looking at around 6.56 a month and 78.76 for the year.

On the other hand the State minimum, UM coverage, collision and comprehensive- You could be looking at 47.65 a month and 571.76 annually.  Again, this all varies depending on your age, driving history and where you live in Georgia.

City in GeorgiaAverage Monthly Rate
Alpharetta$112.00
North Decatur$96.00
Brookhaven$127.00
Canton$115.00
Acworth$125.00
Americus$123.00
South Fulton$117.00
Rome$130.00
Roswell$100.00
Woodstock$112.00
Kennesaw$130.00
Norcross$130.00
Sugar Hill$100.00
Milton$130.00
Lithia Springs$110.00
Dublin$110.00
Pooler$104.00
Redan$127.00
Evans$102.00
Statesboro$126.00
Hinesville$120.00
Tucker$130.00
Gainesville$133.00
East Point$113.00
Atlanta$100.00
Warner Robins$116.00
Wilmington Island$121.00
Conyers$109.00
Duluth$133.00
Marietta$103.00
North Druid Hills$102.00
Kingsland$101.00
Lawrenceville$134.00
Stonecrest$131.00
Stockbridge$123.00
Peachtree Corners$103.00
Johns Creek$122.00
Fayetteville$110.00
Carrollton$129.00
Thomasville$122.00
Candler-McAfee$101.00
Columbus$99.00
Forest Park$125.00
Valdosta$135.00
Union City$132.00
Albany$114.00
Savannah$123.00
Griffin$111.00
Dalton$107.00
Milledgeville$121.00
Smyrna$107.00
Cartersville$110.00
Buford$121.00
Athens-Clarke County$120.00
Mableton$104.00
Dunwoody$117.00
Brunswick$119.00
Douglasville$116.00
LaGrange$127.00
McDonough$111.00

Motorcycle Insurance In Georgia: How Do You Get a Motorcycle License?

The Georgia Motorcycle Safety Program (GMSP) is where you can receive professional training in handling your Motorcycle. If you complete your course, You are eligible to earn a 90-day Motorcycle License Test Waiver!

If you’re already an experienced rider and don’t have a license, you can apply directly at (DDS) Department of Driver Services. When doing it this way, you must pass a knowledge test and a Motorcycle skill test on your ride.

What companies sell motorcycle insurance in Georgia

When looking for motorcycle insurance in Georgia, it might be hard to know where to start! We’ve taken care of that for you.

Here are the top Insurance companies:

  1. Dairyland– coming in first place offering discounts up to 50%! Who doesn’t love savings?!
  2. Progressive-offering flexible payment options. Most of all, trusted by riders for more than 50years! Let’s ride!

A Fun fact about Liability Insurance in Georgia: A driver that is 50 years old will pay, on average $100 less than someone who is in their 20s! Age is beauty and is better on the wallet!

Motorcycle Insurance In Georgia: Safety Tips

Always better to be safe rather than sorry, right? We couldn’t agree more! Here are some safety tips while operating a motorcycle in Georgia before hitting the open road:

1- Your Motorcycle is required to have a windshield, unless you wear eye protection.

2- Riders are required to wear helmets. It’s for your own safety!

3- Your motorcycle needs at least one side mirror.

4- Speakers are allowed on your motorcycle, but only for communication purposes.(Sorry, Led Zeppelin!)

Motorcycle Insurance in Georgia: Rating Factors

Believe it or not, A lot of factors can go into your Insurance quote in the state of Georgia! Here are a few to review:

1-Rider Age.

2- Experience you have with a Motorcycle.

3- Driving history. Just in general what kind of driver you are.

4- The exact location of where you live in Georgia.

5- Riding frequency.

6- Marital status.

7- Type of bike (engine size, year, make and model)

8- Occupation

9- Credit.

10- Gender.

How do you get your Motorcycle insurance in Georgia?

A lot can go into getting your Motorcycle License In Georgia. “What do I have to do to get on my Ride”?? Great question!

Here are a few requirements- You must pass a Written exam, Pass a Motorcycle driving test, and submit a few documents. Not terribly difficult but must be completed with due diligence.

Motorcycle Insurance in Georgia: Cheapest Rate by City

Want to know if Motorcycle Insurance is cheaper in your City? That’s a great question. Rates can change from city to city. Here are a few to give you an idea of what’s in your area.

CityPrice
Alpharetta$112.00
North Decatur$96.00
Brookhaven$127.00
Canton$115.00
Acworth$125.00
Americus$123.00
South Fulton$117.00
Rome$130.00
Roswell$100.00
Woodstock$112.00
Kennesaw$130.00
Norcross$130.00
Sugar Hill$100.00
Milton$130.00
Lithia Springs$110.00
Dublin$110.00
Pooler$104.00
Redan$127.00
Evans$102.00
Statesboro$126.00
Hinesville$120.00
Tucker$130.00
Gainesville$133.00
East Point$113.00
Atlanta$100.00
Warner Robins$116.00
Wilmington Island$121.00
Conyers$109.00
Duluth$133.00
Marietta$103.00
North Druid Hills$102.00
Kingsland$101.00
Lawrenceville$134.00
Stonecrest$131.00
Stockbridge$123.00
Peachtree Corners$103.00
Johns Creek$122.00
Fayetteville$110.00
Carrollton$129.00
Thomasville$122.00
Candler-McAfee$101.00
Columbus$99.00
Forest Park$125.00
Valdosta$135.00
Union City$132.00
Albany$114.00
Savannah$123.00
Griffin$111.00
Dalton$107.00
Milledgeville$121.00
Smyrna$107.00
Cartersville$110.00
Buford$121.00
Athens-Clarke County$120.00
Mableton$104.00
Dunwoody$117.00
Brunswick$119.00
Douglasville$116.00
LaGrange$127.00
McDonough$111.00

Motorcycle Insurance in Georgia: Full Coverage Options

Looking for full coverage Insurance on your Motorcycle? The Average cost of full coverage Motorcycle insurance in Georgia is $721 a Year.

With this said, It will depend on the city you live in and your state. It might increase or be a lot cheaper than cities nearby (Yay).

It’s always good to do your due diligence when looking for insurance so you know you’re getting the best coverage for your property.

City In GeorgiaAverage Monthly Cost Full Coverage
Conyers$200
Tifton$227
Brookhaven$236
Fayetteville$224
Peachtree City$196
St. Marys$188
Decatur$232
Johns Creek$230
Sugar Hill$208
Stonecrest$227
Buford$230
East Point$196
North Druid Hills$175
Carrollton$199
Canton$219
Martinez$233
Dublin$183
Smyrna$227
Savannah$239
Marietta$175
Snellville$229
Perry$238
Kennesaw$188
Lawrenceville$185
Valdosta$221
Gainesville$197
Redan$186
Athens-Clarke County$200
Union City$224
Winder$240
Rome$225
Alpharetta$196
Acworth$190
Norcross$198
Roswell$197
Macon-Bibb County$188
Augusta-Richmond County$225
Milton$190
Newnan$213
Dunwoody$232
Columbus$239
Lithia Springs$187
Kingsland$176
Evans$237
Suwanee$215
Wilmington Island$198
Candler-McAfee$209
Tucker$211
Statesboro$227
South Fulton$224
Warner Robins$186
Atlanta$215
Americus$180

Motorcycle Insurance in Georgia: Riding Laws

Now that you have this sweet ride.. HOLD UP!!  “What are the laws for Motorcycles in Georgia” you ask?? We’ve got you covered.

Just the same when operating a vehicle, Motorcycle drivers are required to follow the same guidelines. But some specific laws apply-

First- If your motorcycle is only built for one passenger, you must keep it that way.

Second- When riding, you must straddle your motorcycle (no side saddle, unfortunately).

Third- You must wear proper footwear when operating. So Shoes and Socks are required.

Discounts for Motorcycle Insurance in Georgia

Who doesn’t love a good discount?? We sure do! Here are a few discounts we’ve found for your Motorcycle insurance:

  • Multiple motorcycle discounts. Depending on your Insurance provider, you might qualify for a bundling discount! (Woohoo!!)
  • Safe driver discount. Your motorcycle has many different features like Anti-theft devices and Anti-lock brakes. When having certain safety and security features, you could be eligible for a discount! (Score!)
  • Biker group discount. If you’re part of the American Motorcycle association or the Motorcycle safety foundation, or really any Organization you find that you want to support, you can qualify for a discount.
  • Education Discount. Have anything higher than a high school diploma? You would qualify for savings! 

Motorcycle Insurance in Georgia: Frequently Asked Questions

What is the Average cost of motorcycle insurance in Georgia?

Georgia liability only insurance and full coverage can vary based on multiple rating factors such as: zip code, age, gender, violations history, credit report, etc. While one person might pay $85 per month for insurance, another person could be paying $200 for the exact same coverage.

Does Georgia require insurance on motorcycles?

The state of Georgia does require motorcyclists to establish insurance before being able to drive on the open road. Having Insurance only benefits you, while not having insurance can be detrimental legally and financially. If at some point you’re in a crash that results in serious injury, you can be sure you’re financially secure.

Cheapest Motorcycle Insurance in Georgia?

Insurance rates vary depending on the city you live in, age, driving history, Marital status, Etc.  But, overall, the cheapest Motorcycle Insurance In Georgia would be Progressive simply because they have more discounting opportunities. Covering 50 States.

What does Motorcycle insurance cover?

If Injuries or damage is caused by your motorcycle, a policy will generally cover the cost at fault. If in the event of theft, damages caused by storm or fire, your motorcycle can be covered from unexpected events.

motorcycle insurance in georgia
Insurance in Georgia: Helpful Guides
SR22 Insurance in Georgia
Georgia Insurance Guide
Need Homeowners Insurance?

Last Updated on by Shawn Christie