Compare motorcycle insurance in Georgia

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.

Average motorcycle insurance rates 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:

• 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.

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

• When is my bike classified as a motorcycle in Georgia?

  Georgia classifies bikes as motorcycles if they:

  • Include a seat or saddle meant for a rider
  • Have no more than three wheels that contact the ground
  • Aren’t classified as a tractor or moped

  Note that mopeds are bikes with less than 50 ccs. Georgia doesn’t require these bikes to get motorcycle insurance.

• What happens if I ride without motorcycle insurance?

  Georgia enforces strict penalties for riding without insurance. You could get fined between $200 and $1,000, face up to 12 months in jail and receive a 60- to 90-day license suspension. These penalties can still apply if you’re borrowing a friend’s uninsured bike.

• What factors affect my bike insurance premium?

  You could see a higher or lower premium based on these factors specific to Georgia:

  • Living in highly populated cities like Atlanta
  • Daily commutes or joyriding long distances through Georgia trails and sights
  • Higher number of rider deaths compared to other states
  • Similar insurance requirements to other states