Motorcycle Insurance in Georgia: The Cheapest Quotes and Best Companies

Generally, the cheapest motorcycle insurance in Georgia is a policy that meets only the minimum liability coverage limits in the state. However, the cheapest option may not always be the best choice. A minimum coverage policy in the state only includes bodily injury and property damage liability insurance. Choosing liability-only motorcycle insurance in Georgia costs less, but comprehensive and collision coverage is the better option for most riders as it provides more protection and higher liability limits. For this analysis, MoneyGeek used rates for a rider with a good driving record and 50/100/25 liability-only coverage policy.

Based on average rates, the cheapest companies for a good biker with liability-only motorcycle insurance in Georgia are:

• Markel: $57 per year
• Progressive: $75 per year

Meanwhile, the most expensive insurance carrier in the state is Dairyland, based on MoneyGeek’s study. A similar policy from Dairyland costs $145 on average, 60.6% more expensive than Markel.

Riders who want more protection can opt for a full coverage policy with comprehensive and collision insurance. Choosing this option will give you protection against damage due to collisions, whether with another vehicle or other structures. This coverage also pays for damages or the loss of your motorcycle due to non-collision incidents, such as vandalism, theft or fire.

MoneyGeek found that, on average, the most affordable motorcycle insurance providers for a good biker with a full coverage policy, including 50/100/25 coverage and a $500 deductible, are:

• Dairyland: $271 per year
• Harley-Davidson: $292 per year

The most expensive option for a full coverage policy, Nationwide, had an average rate of $798 annually in the study, 66.1% more than Dairyland.

Riders making payments on their bikes will likely need full coverage insurance.

The average cost of motorcycle insurance in Georgia will depend on various factors, including coverage amounts, motorcycle model, riding record, age and years of riding experience. MoneyGeek compared average motorcycle insurance quotes from carriers in the state for various rider profiles.

For a full coverage policy, the average cost of motorcycle insurance in Georgia is $399 per year or approximately $35 per month. This rate is 9.62% more than the national average of $364 per year.

A liability-only motorcycle insurance policy costs an average of $103 per year in Georgia or around $9 per month. This is $38 less than the national average of $141 annually. Choosing this coverage level will not cover your motorcycle or injuries if you’re at fault.

The prices indicated in this study are based on average rates for a policy with $50,000/$100,000 of bodily injury liability coverage, $25,000 in property damage liability insurance and a $500 deductible.

MoneyGeek calculated the final scores of insurance carriers in Georgia to find the best motorcycle insurers that balance affordability and quality service. The rankings are based on MoneyGeek’s unique scoring system, considering products and services, affordability and financial stability. The highest-scoring carrier in the state is Progressive.

MoneyGeek’s study found that the best motorcycle insurance companies in Georgia are:

There are various factors to consider in determining the cost of motorcycle insurance in Georgia. Shopping around and getting personalized quotes from multiple insurers is the best way to find the right policy for your needs. Most carriers allow riders to get quotes online. To do this, you will need to provide the following information:

• ZIP code and the Georgia address where the bike will be located
• Your birthdate
• Riding record
• Vehicle year, make and model
• Insurance coverage elections (for more information on this, see below)

State law requires all bikers to purchase motorcycle insurance in Georgia with at least a minimum liability-only coverage. In Georgia, the state’s minimum coverage requirements include:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability

The minimum liability-only coverage requirement for all motor vehicles in Georgia is 25/50/25. That means your motorcycle insurance in Georgia should have liability limits of at least $25,000 for bodily injury per person, with a total of $50,000 per accident and $25,000 for property damage liability coverage. These are the coverage limits that your insurance carrier will pay for damages if you are at fault in an accident.

Georgia does not require riders to have uninsured motorist, underinsured motorist or PIP coverage. You will only need bodily injury and property damage coverage. If you want more protection, you can add these coverages based on your needs.

Finding the best motorcycle insurance in Georgia requires you to consider various factors. Here are some of the most commonly asked questions about motorcycle insurance in Georgia.

MoneyGeek collected motorcycle insurance quotes directly from insurance providers based on varying coverage amounts and driver profiles to help our users determine which is the least expensive provider in Georgia. The best motorcycle insurance companies in Georgia were determined using three factors, including policy cost in Georgia (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). We gathered the most recent license laws and insurance coverage requirements in Georgia from the state Office of Insurance and Safety Fire Commissioner to ensure accurate and up-to-date information.