- Motorcycle Insurance in Georgia
- Motorcycle Insurance in Georgia: Coverage Options
- Is Motorcycle Cheaper than Car Insurance?
- Motorcycle Insurance In Georgia: How Do You Get a Motorcycle License?
- What Companies Sell Motorcycle Insurance In Georgia
- Motorcycle Insurance In Georgia: Safety Tips
- Motorcycle Insurance in Georgia: Rating Factors
- How Do You Get Your Motorcycle Insurance In Georgia?
- Cheapest Motorcycle Rate In Georgia
- Full Coverage Motorcycle Insurance In Georgia
- Motorcycle Insurance in Georgia: Riding Laws
- Georgia Motorcycle Insurance Discounts
- Frequently Asked Questions about Motorcycle Insurance in Georgia
- What are the minimum motorcycle insurance requirements in Georgia?
- Is helmet use required while riding a motorcycle in Georgia?
- How can I lower my motorcycle insurance rates in Georgia?
- What We Do at A Plus Insurance
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:
- Bodily Injury: Will cover Injury to another person, while you’re on the Motorcycle or even accidental death.
- 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.
| Cities in Georgia | Average 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 |
Is Motorcycle Cheaper than Car Insurance?
Yes, motorcycle insurance is typically cheaper than car insurance, but this comes with several important caveats. The reasons for the lower cost of motorcycle insurance, as well as the factors that could influence these costs, are multifaceted. Here’s a simplified explanation:
1. Lower Repair and Replacement Costs
Motorcycles generally have lower repair and replacement costs compared to cars. In the event of an accident or damage, it usually costs less to repair or replace a motorcycle than a car, leading to lower insurance claims and, consequently, lower insurance premiums.
2. Less Damage Potential
Motorcycles are less likely to cause extensive property damage in an accident compared to cars. This reduced risk of liability claims can contribute to lower insurance rates for motorcycles.
3. Risk Factors
While motorcycles might be cheaper to insure, they are also considered riskier to ride than cars. Motorcyclists are more exposed and vulnerable in accidents, which can lead to higher medical costs. Insurers take this into account, and while the overall policy might be cheaper, certain coverages within the policy, like medical payments or personal injury protection, might be comparably higher than those for cars.
4. Insurance Coverage
The type and amount of coverage you purchase will also affect your insurance costs. Many motorcycle owners opt for less coverage than car owners due to the lower values of their vehicles and the seasonal nature of motorcycle riding in many regions, which can skew the average cost lower. However, opting for comprehensive coverage, which includes theft, vandalism, and weather damage, can increase premiums.
5. Usage
Motorcycles are often not the primary mode of transportation and are used less frequently than cars, leading to lower mileage and reduced risk of accidents. This decreased usage can result in lower insurance premiums.
Factors That Affect Motorcycle Insurance Costs:
- Rider’s Age and Riding Experience: Younger, less experienced riders may see higher premiums.
- Location: Rates can vary significantly based on where you live and store your motorcycle.
- Riding Habits: Using a motorcycle as your primary vehicle or for commuting can increase insurance costs.
- Motorcycle Type: High-performance motorcycles are more expensive to insure than standard models.
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:
- Dairyland– coming in first place offering discounts up to 50%! Who doesn’t love savings?!
- 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:
| Windshield | Your motorcycle is required to have a windshield, unless you wear eye protection. | Ensures visibility and eye protection for riders. |
| Helmets | Riders are required to wear helmets. | A safety measure to protect riders in case of accidents. |
| Side Mirror | Your motorcycle needs at least one side mirror. | Increases awareness of surroundings and enhances safety. |
| Speakers | Speakers are allowed on your motorcycle, but only for communication purposes. | Non-communication use, like playing music loudly, is not permitted. |
This table provides a concise overview of some basic requirements for motorcycle riders, emphasizing safety and legal compliance. Always check local laws and regulations for the most current and comprehensive information.
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:
| Factor | Description | Reason for Impact on Insurance Rates |
|---|---|---|
| 1. Rider Age | Your age at the time of applying for insurance. | Younger riders are often seen as higher risk, potentially increasing rates. |
| 2. Experience with Motorcycle | How many years you’ve been riding motorcycles. | More experienced riders are generally considered lower risk. |
| 3. Driving History | Your overall driving record, including both car and motorcycle. | A clean driving history suggests responsible driving, potentially lowering rates. |
| 4. Location in Georgia | The specific area where you live and ride in Georgia. | Areas with higher traffic or theft rates may see higher insurance costs. |
| 5. Riding Frequency | How often you ride your motorcycle. | More frequent riders may face higher rates due to increased risk of incidents. |
| 6. Marital Status | Whether you are single, married, or in a domestic partnership. | Married riders might see lower rates due to perceived stability. |
| 7. Type of Bike | Engine size, year, make, and model of your motorcycle. | High-performance bikes are often more expensive to insure due to higher risk of accidents and theft. |
| 8. Occupation | Your current job or profession. | Some professions might be eligible for discounts based on affiliations or perceived risk levels. |
| 9. Credit | Your credit score or credit history. | A higher credit score can indicate responsibility, potentially lowering rates. |
| 10. Gender | Your gender as listed on your insurance application. | Statistically, gender can influence risk assessment, affecting rates in some cases. |
This table provides a broad overview of the factors insurance companies might consider when determining motorcycle insurance rates. It’s important to note that the impact of these factors can vary significantly between different insurers and policies. Always consult with a licensed insurance professional to get accurate, personalized advice and quotes.
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.
Cheapest Motorcycle Rate In Georgia
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.
| City | Price |
| 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 |
Full Coverage Motorcycle Insurance In Georgia
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 Georgia | Average 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.
Georgia Motorcycle Insurance Discounts
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!
Frequently Asked Questions about Motorcycle Insurance in Georgia
What are the minimum motorcycle insurance requirements in Georgia?
In Georgia, motorcycle owners must carry liability insurance with minimum limits of $25,000 for bodily injury per person, $50,000 for total bodily injury per accident when multiple people are injured, and $25,000 for property damage per accident. These requirements are in place to ensure that riders can cover costs associated with damages or injuries they may cause in an accident.
Is helmet use required while riding a motorcycle in Georgia?
Yes, Georgia law requires all motorcycle riders and passengers to wear a helmet. This law is enforced to increase safety for motorcycle riders. Wearing a helmet can also potentially lower your motorcycle insurance rates by reducing the risk of costly injuries.
How can I lower my motorcycle insurance rates in Georgia?
There are several ways to lower your motorcycle insurance rates in Georgia, including completing a motorcycle safety course, maintaining a clean driving record, and bundling your motorcycle insurance with other policies like home or auto insurance. Additionally, installing anti-theft devices on your motorcycle and choosing a policy with a higher deductible can also help reduce your premiums.
Here’s What Our Clients Say About Us
A Plus Insurance
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Last Updated on by Amanda Moss