Georgia motorcycle insurance

What are the minimum requirements for motorcycle insurance in Georgia?

Georgia motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won't cover damage to your own bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets.

The state of Georgia also mandates uninsured motorist bodily injury coverage and uninsured motorist property damage coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

If you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are typically required by your lender. If your bike is paid in full, these coverages may still be helpful in protecting your investment against physical damage.

Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Georgia?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Georgia with liability-only coverage was only $181.96.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Georgia?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Atlanta, Augusta, Savannah, or anywhere in between, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Georgia for bikers without sacrificing the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Georgia with motorcycle insurance discounts, such as:

• Multi-policy discount
• Association discount
• Motorcycle license/endorsement
• Paid in full discount
• Safety course

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Georgia

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to upgrades you've made to your bike and equipment, including chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Georgia

1. Georgia is one of 19 states with a universal helmet law requiring all operators and passengers to wear a helmet while riding.
2. Lane filtering and lane splitting are illegal in Georgia. Georgia's traffic codes state that "no person shall operate a motorcycle between lanes of traffic or between adjacent lines or rows of vehicles."
3. Motorcyclists in Georgia must obtain a Class M motorcycle license from the Georgia Department of Driver Services.

Get Georgia motorcycle insurance