Insuring your motorcycle can help keep you safe on the road and protect your bike from theft or damage. To help you find the best motorcycle insurance in Georgia, MoneyGeek conducted a study analyzing average rates across coverage levels. We ranked the best and cheapest motorcycle insurance companies in Georgia using a unique rating system that includes affordability, products and services offered and financial stability. Review the list of the best and most affordable carriers and learn their average premiums to help you find the best insurer for your needs.
Motorcycle Insurance in Georgia: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Georgia
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.
Cheapest Liability-Only Motorcycle Insurance Quotes in Georgia
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.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Georgia
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.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in Georgia?
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.
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in GeorgiaAverage 12-Month National CostVariance
- Full Coverage$399$364$35
- Liability Only$103$141-$38
The Best Motorcycle Insurance Companies in Georgia
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:
- Has a mobile app
- Get free quotes or buy motorcycle insurance online
- Wide range of extra coverage options
- Below-average customer satisfaction rating based on J.D. Power’s latest study
- Not all discounts are available in all states
- Large Accident Forgiveness, which covers the first accident of the year, is only for customers of at least four years with three accident-free years
Progressive ranked first in Georgia with a MoneyGeek score of 94.01 out of 100. It garnered high ratings across all categories. The average rate for a liability-only Progressive motorcycle insurance policy is $75 per year. A full coverage policy costs $294 per year on average. Progressive’s wide range of coverage options set it apart. Motorcycle insurance policies with Progressive automatically cover custom parts and original equipment manufacturer (OEM) parts. They also provide accident forgiveness for certain accidents, so your premiums will not increase for a claim costing less than $500. Additionally, you can easily add extra coverage. You may qualify for a disappearing deductible, where the company takes 25% off your deductible for every claim-free policy term. You can also get enhanced injury protection. The company will pay up to $250 per week for two years if you get injured or cannot go to work due to a covered accident. In case of death due to a fatal accident, this coverage will pay your beneficiaries $25,000.
- Different discounts available
- 24/7 claims support
- Online payment and claim filing
- Not available in all states
- Cannot be bundled with auto insurance
- Limited tools for customers
Markel is the runner-up with a MoneyGeek score of 93.5 out of 100. A Markel liability-only policy in Georgia typically costs $57 annually, while the average premium for a full coverage policy is $293 per year. Aside from standard coverages, Markel allows policyholders to add extra protection. By adding $25 per year per unit, you can get roadside assistance and trip interruption coverage. If you add $50, you can include all private passengers, along with non-commercial and household vehicles, in the nationwide roadside assistance program. The company also offers rental reimbursement coverage, which pays rental costs if you cannot use your bike for over 24 hours due to a covered incident. The company also offers nine discount opportunities. One of these is the transfer discount, wherein Markel offers a 10% discount to those who switch to the company from another insurance carrier. Markel also rewards safe drivers with significant discounts.
- Coverage for very specific motorcycle types
- 24/7 claims filing online or by phone
- Multiple rewards programs and loyalty discounts
- Can be more expensive than other carriers
- Cannot be bundled with auto insurance
- No mobile app
Harley-Davidson earned a MoneyGeek score of 88.82 out of 100. For a liability-only policy, Harley-Davidson charges an average of $128 per month. Meanwhile, the cost of its full coverage policy averages $292 in Georgia. Harley-Davidson offers a variety of coverage options for different types of motorcycles, including autocycles. The company values loyalty and offers a discount for current policyholders who wish to add a new bike to their policy. Those who purchase additional Harley-Davidson insurance products like planned maintenance can also get discounts. The insurance carrier offers other features like rental reimbursement coverage, which would help if your motorcycle becomes undrivable after an accident. You can also get optional equipment coverage to protect modifications to your bike. These include all equipment on your motorcycle that is not factory standard.
How to Get a Motorcycle Insurance Quote in Georgia
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)
How Much Motorcycle Insurance Coverage Do You Need in Georgia?
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
How Much Insurance Coverage Is Required in Georgia?
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.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Georgia?
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.
For most motorcycle riders in Georgia, MoneyGeek recommends a full coverage policy of at least 50/100/25 and preferably 100/300/100 because of the small incremental cost for a large increase in coverage.
Frequently Asked Questions About Motorcycle Insurance in Georgia
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.
About the Author
- Harley-Davidson Insurance. "The Right Motorcycle Insurance Coverage For You." Accessed April 30, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed April 21, 2021.
- J.D. Power. "2020 U.S. Auto Claims Satisfaction Study." Accessed April 30, 2021.
- Markel Insurance. "Motorcycle Insurance." Accessed April 30, 2021.
- Office of Commissioner of Insurance and Safety Fire. "Auto Insurance." Accessed April 22, 2021.
- Progressive. "Motorcycle Insurance." Accessed April 30, 2021.