Who Has The Cheapest Motorcycle Insurance Quotes In Georgia?

COVID-19 Update: If you're thinking about motorcycle insurance in the context of coronavirus, see below for information on how it affects Georgia motorcycle riders.

If you're a motorcycle owner in the state of Georgia, it's required to have motorcycle insurance, but it doesn't have to break the bank. We've collected hundreds of quotes and found the cheapest annual insurance cost to be $508.

Compare Motorcycle Insurance Quotes from Providers in Georgia

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After analyzing hundreds of insurance quotes and companies in Georgia, we have determined the best companies for riders in the state. Find out which of our recommendations line up with your needs, or use the quote tool above to start comparing quotes from companies near you.

Best for most people: GEICO

GEICO is the best insurance company for riders in Georgia due to its great balance of affordability, coverage and service.
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For most people looking to insure a motorcycle in Georgia, GEICO's combination of low rates and effective coverage make it the first choice. Among the insurers we considered, GEICO had the most affordable average premium: An annual policy that includes liability, collision and comprehensive coverage for one motorcycle rider was $508. That's less than half the cost of identical coverage from least one other provider we looked into.

Better still, GEICO's low pricing doesn't seem to be the result of cutting corners on coverage or customer service. While we couldn't find data specific to motorcycle insurance, the company maintains decent consumer ratings for its auto insurance business as a whole. For instance, data collected by the National Association of Insurance Commissioners (NAIC) show that GEICO is responsible for a slightly lower share of complaints than normal for a company its size.

Besides the advantage in cost versus benefit, choosing a large insurer like GEICO for your motorcycle coverage also gives you the opportunity to bundle it with insurance for your car or home. Bundling can usually produce discounts across all your policies and also makes it easier to manage your monthly billing for insurance. However, GEICO's broad focus on multiple lines of insurance means that you can't expect it to provide specialized coverage features that a motorcycle enthusiast might want.

Best for motorcycle-specific coverage: Markel

Markel offers the most motorcycle specific insurance coverage options, and allows for riders to fully protect their motorcycles.
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What counts as an accessory on your bike?

Most insurers define an accessory as anything added to your motorcycle after it left the factory.

  • Aftermarket parts: crash bars, sissy bars, windshields
  • Electronics: onboard GPS, radios, light bars
  • Storage: saddle bags, luggage racks
  • Custom trim: fairings, paint, chrome

If your motorcycle is your first and only means of getting around, Markel's motorcycle insurance coverage may be a better fit for you. While GEICO is an efficient choice if you want to save across multiple insurance categories, Markel is a small-market specialty insurer that makes a point of serving motorcyclists. It also comes relatively cheap: Our analysis found that Markel's average annual premium in Georgia was $540, which wasn't much higher than GEICO's best-in-state rate.

Markel's motorcycle insurance coverage is not only more affordable than average for Georgia, it also includes optional insurance features such as higher limits for motorcycle accessories and the consequences of mechanical breakdown. If you've invested a lot of money in modifying your motorcycle with aftermarket parts, choosing Markel may offer the cheapest way of insuring the full value of your customized ride.

Best for touring: Dairyland

Dairyland is the best insurance for riders in Georgia that will be touring and taking their motorcycles long distances.
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Dairyland is another small insurer that specializes in providing coverage for motorcycle enthusiasts. While it was more expensive than Markel or Geico, we recommend it if you plan to take your bike on long-distance trips. Dairyland's online quote interface gave us more extensive control over coverage options than other insurers, and it actually charged less for the additional option of trip interruption coverage ($5 a year) and roadside assistance ($12 a year).

For Georgia, Dairyland's average premium came in at $1,268 per year. That's substantially higher than either Markel or GEICO, but we also noticed that the price could vary by several hundred dollars for certain ZIP codes within the state. If you're interested in obtaining motorcycle insurance from a company that focuses on the details, we suggest obtaining a quick estimate from Dairyland for your area so that you can confirm whether it's at a price point that makes sense.

Comparing Georgia motorcycle insurers by customer service quality

Our top choices for motorcycle coverage in Georgia aren't based on price alone. To make sure we were recommending insurers who would be reliable in the event of a claim, we also referenced information about their customer service. This included consumer complaint data from the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings assigned by J.D. Power.

InsurerNAIC complaint indexJ.D. Power ratingA.M. Best rating
Progressive1.862/5A+
GEICO0.923/5A++
Esurance1.023/5A+
Dairyland1.16n/aA+
Markel0.00*n/aA
Nationwide0.543/5A+
Markel did not receive any personal vehicle insurance complaints in 2018. However, this may be a result of Markel's very small market share.

These ratings aren't anything like precise figures, but they give us a way to compare insurance companies in terms of the customer experience that comes after the initial quote. For example, an insurer with an NAIC complaint index below 1.00 is one which causes fewer consumer complaints than the average company of its size. The J.D. Power rating uses survey responses to evaluate insurers in areas ranging from claims handling to billing processes and service interactions.

Finally, a company's A.M. Best score reflects its financial stability. Following a natural disaster or an economic recession, insurance companies can find it difficult to meet their claim obligations due to spikes in claim volume or a decline in new business. Choosing a financially stable insurer makes it less likely that your insurer will fail to pay out your claim.

The cheapest motorcycle insurance companies in Georgia

In Georgia, we found that the cheapest insurance for motorcycles usually came from Geico, with Markel close behind. Both companies offered average quotes under $540 per year.

Bar graph comparing annual insurance premiums for motorcycle riders in Georgia

Motorcycle license requirements in Georgia

Motorcycle riders in Georgia must have either a Class M license or a Class M instructional permit. These are completely separate from the Class C license for four-wheeled vehicles: Class M licenses don't authorize you to drive cars, and Class C licenses don't allow you to drive motorcycles.

Having a Class M license or permit in Georgia legally enables you to drive any motorcycle, moped or scooter — all classified as "motor-driven cycles" — with an engine capacity above 50cc. Motor-driven cycles with engines 50cc or smaller can be operated by anyone at least 15 years old who has a valid Class C driver's license or permit.

According to the Georgia Department of Driver Services, a motor-driven cycle is defined as any vehicle with the following features:

  • No more than three wheels
  • A saddle for the rider
  • Handlebars for control

Motorcycle insurance requirements in Georgia

The state of Georgia requires that anyone operating a motor vehicle carry a certain amount of liability insurance in case of an accident. These requirements are the same whether you drive a car or ride a motorcycle. They cover costs you're responsible for when your driving results in bodily injury or property damage to someone else.

Coverage typeLegal minimum in Georgia
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

Any motorcycle insurance policy you consider will need to meet these minimum coverages, but that shouldn't be a major obstacle. Insurance companies are fully aware of these requirements and probably won't sell you a policy in the first place unless the coverage limits are up to the legal standard.

That said, it's worth noting that opting for the bare minimum coverage may leave you exposed to any liability costs that exceed those limits. In our quotes, we've used much higher limits for both bodily injury and property damage liability. We also added non-liability coverages that protect your own bike, which aren't legally necessary but are financially prudent to include in your policy.

Coronavirus and motorcycle insurance in Georgia

The coronavirus has had a major impact on travel and insurance in Georgia, but there is some relief for motorcycle riders. As road travel has decreased, auto and motorcycle insurance claims have decreased significantly as well. As a result, your insurer might be issuing refunds on previously-purchased policies, or discounts the next time you renew.

For example, our cheapest pick for motorcycle insurance in Georgia, GEICO, is giving a 15% credit on policies that are up for renewal between April and October. Check with your insurer to see if you're eligible for a rebate or discount during this time.

Motorcycle insurance costs: City-by-city breakdown

To help you understand how the cost of motorcycle insurance varies within Georgia, we've listed the average annual premiums from quotes we gathered in the state's 15 largest cities.

CityAverage annual costDifference vs. state average
Atlanta$1,74352%
Columbus$1,2246%
Savannah$1,32415%
Sandy Springs$1,74352%
Roswell$1,1591%
Johns Creek$1,1591%
Albany$1,2246%
Alpharetta$1,1591%
Marietta$1,1591%
Valdosta$1,1591%
Brookhaven$1,32415%
Dunwoody$1,74352%
Gainesville$1,1591%
Newnan$1,2246%

We found that it's generally more expensive to insure a motorcycle in Georgia's major cities compared to the rest of the state. This may be because living and riding in a busy urban environment increase the risk of collisions, thanks to denser traffic and more street intersections.

Methodology

To analyze motorcycle insurance costs in Georgia, we collected quotes for hundreds of addresses across the state that were all based on a single rider profile. Our hypothetical shopper was a married 45-year-old man who owned a home and a 2019 Harley-Davidson FLHX Street Glide. He had 20 years of riding experience and recently participated in a basic motorcycle education course. Each of these factors can play a role in determining your rate for motorcycle insurance.

However, no variable affects an insurance quote as much as the amount of coverage you select. In our quotes for motorcycle insurance, we opted for the following coverage limits:

  • Bodily injury liability coverage: $100,000 per person / $300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included / $500 deductible
  • Comprehensive coverage: Included / $500 deductible
  • All other coverages: Not included

The liability limits we used are significantly higher — and thus more expensive — than the legal insurance minimums for vehicle operators in Georgia. Meanwhile, collision and comprehensive coverage aren't legally required at all.

We chose these higher limits because in our view, the legally required liability minimums are insufficient to cover the typical financial costs of the party at fault in an accident. If you're looking for a policy that will satisfy your legal obligation at the lowest possible price, you will likely find much cheaper quotes than the ones we used in our analysis.

Chris Moon

Chris is a Product Manager for ValuePenguin with years of experience in addressing critical questions about mortgages and homeowners insurance. He spends his time evaluating insurance providers and policy features to understand where consumers might find the most cost-effective coverage. Chris has contributed insights to the New York Times and many other publications.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.