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Compare motorcycle insurance in Georgia

Many motorcycle crashes and major cities could weigh into your premium.

Updated

Overall, you can expect your premium to stay in line with other states. But because Georgia includes several major cities that up the ante for riding danger, your address and the number of crashes in your area could spike that premium.

Compare Georgia motorcycle insurance providers.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Average motorcycle insurance in Georgia

Motorcycle insurance in Georgia costs around $46 a month or $556 per year on average. That cost lands about $35 higher than the national average of $520 per year.

The frequency of motorcycle crashes that happen in Georgia may be what drives up insurance costs. In 2017, 135 riders were killed in motorcycle accidents, says the National Highway Traffic Safety Administration’s Traffic Safety Facts report on motorcycles. This number totaled more than most other states, which had around 100 or less bike deaths that year.

Minimum motorcycle insurance requirements in Georgia

Georgia sets its motorcycle insurance minimums at $25,000 for bodily injuries per person, $50,000 for bodily injuries per accident and $25,000 for property damage. That standard falls in line with minimums from many other states, and echoes Georgia car insurance standards as well.

Cheapest motorcycle insurance in Georgia

Georgia sees a variety of national and local providers, and a few companies mix the value and coverage many riders need:

  • Esurance. Add a few extras to round out your protection — like trip interruption or total loss coverage. This company slashes prices with online claims and account management, zero local agents and over 10 possible discounts.
  • Geico. Multiple discounts shave 5% to 10% off your premium when you qualify for each. The policy gives a decent amount of protection and covers you with standard liability, comprehensive or collision coverage.
  • Progressive. If you’re looking for wider protection, Progressive may serve you best with many add-ons and free coverage included. For example, your accessories get covered up to $3,000 if you buy comprehensive and collision coverage.
Looking for local insurance companies? Try a few of these that could cost you less for a bike policy:

  • Bingham Insurance Group
  • Peter Laczko Insurance
  • Velox Insurance

You can expect to pay more for your bike policy if you live near cities like Atlanta, Augusta or Columbus. But you could see lower premiums for riders in smaller cities like Canton or Woodstock.

Bottom line

Since Georgia sticks close to the national average, you have the chance of dipping even lower by shopping motorcycle insurance companies.

Frequently asked questions about Georgia motorcycle insurance

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