Who Has The Cheapest Motorcycle Insurance Quotes In Georgia?

Georgia is a state in the South and was the last to be established of the original Thirteen Colonies. Agribusiness has long been an important part of the state's economy but it also diversified in the 21st century in response to industrialization. The state has pleasant weather most of the year and is a great place to own a bike. To see which motorcycle riders have the best insurance rates, we gathered motorcycle insurance quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was more than 88.5% higher than the cheapest in Georgia.

Cheapest Motorcycle Insurance Companies In Georgia

We gathered hundreds of motorcycle insurance quotes across five carriers in Georgia and found Markel had the best quotes for the sample policy and rider, at $387. The quotes from Markel were significantly lower than the Georgia average and other carriers.

A ValuePenguin study found motorcycle insurance rates in Georgia for a sample policy and rider were cheapest through Markel.

Nationwide's motorcycle insurance quotes weren't much higher than Markel's, at $409 for our sample policy and rider. However, the other motorcycle insurance companies were significantly more expensive. GEICO's motorcycle insurance rates for our sample policy and rider were only slightly less expensive than the average cost of motorcycle insurance in Georgia. Dairyland and Progressive had motorcycle insurance rates higher than the state average at $722 and $724, respectively.

Best Motorcycle Insurance Rates In Georgia: By City

The five places with the cheapest motorcycle insurance in Georgia were all located in the southern or eastern parts of the state. None of the cities with the most affordable premiums were very populous, especially compared to others in Georgia, such as Atlanta. The place with the best motorcycle premiums was Lincolnton, where quotes for our sample policy were 19% lower than the Georgia average.

While price is an important factor when it comes to which company you select, it shouldn't be the sole factor. Some of the best motorcycle insurance companies offer steep discounts, so, while their base rates may not be low, certain customers will be able to benefit from applicable discounts. Furthermore, some company's coverages may align well with your needs. For instance, if you only use your motorcycle in the summer, there are insurers that offer discounts for storing your motorcycle in the winter.

Rank

CityAverage Annual Rate% Difference vs State Average
1Lincolnton451-19%
2Alma503-10%
3Colquitt523-6%
4Fitzgerald534-4%
5Baxley535-4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Lincolnton, GA

The place with the cheapest motorcycle insurance rates in Georgia was Lincolnton, a city with about 1,500 residents and nearby the Savannah River in the eastern part of the state. It is home to a long list of historic places and is about 48 miles from Augusta, Georgia. Motorcycle insurance rates there were the most affordable in the state. Quotes for our sample policy were 19% lower than the state average.

Alma, GA

Alma is a city in southeast Georgia, about 70 miles from the city of Brunswick and the Atlantic coastline. It’s home to only about 3,500 residents but is known as the state’s “blueberry capital” and hosts an annual Blueberry festival. Costs here were 9.6% lower than the Georgia average, which places Alma with the second best motorcycle insurance rates in our Georgia study.

Colquitt, GA

About 46 miles north of Chattahoochee and the Florida border is the city of Colquitt. It has almost 2,000 residents and its Town Square District has been added to the National Register of Historic Places. It’s also known as a an artsy town with a prominent local theatre. We found Georgia's third lowest motorcycle insurance rates in Colquitt -- costs were 5.9% lower than the state average.

Fitzgerald, GA

Near Tifton in southern Georgia is Fitzgerald, a city of more than 9,000 people. It is the county seat of Ben Hill County and was founded after the Civil War by both Union and Confederate veterans. The city also is home to the Dorminy-Massee House, a popular bed and breakfast. Motorcycle insurance rates in Fitzgerald were 4% lower than the Georgia average.

Baxley, GA

Just north of Alma is the city of Baxley. It has roughly 4,400 residents and is the county seat of Appling County. There was little in the area before the Macon and Brunswick Railroad built in 1870. Since then, the city has steadily grown to its current size. Motorcycle insurance raters in Baxley were 3.8% lower than the state average.

Most Expensive Motorcycle Insurance In Georgia

The five places with the most expensive motorcycle insurance rates in Georgia were all suburbs of Atlanta - the state's largest city. This is a trend we’ve seen in other states – the most populous cities and their surrounding areas tend to have higher insurance rates. The place with the most expensive motorcycle insurance rates in Georgia was Atlanta, where quotes for the sample policy were 52.9% higher than the state average.

Rank

CityAverage Annual Rate% Difference vs State Average
1Atlanta85053%
2Dunwoody74835%
3Cartersville70026%
4Brookhaven70026%
5Sandy Springs68924%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Atlanta, GA

Atlanta, the state of Georgia’s capital and most populous city, was the place with the most expensive motorcycle insurance premiums in our study. It has 447,000 residents and is part of a metropolitan area with more than 5.5 million. It’s known for its diverse economy and home to the headquarters of a number of large companies. Motorcycle insurance rates in Atlanta were the least affordable compared to other locations in the state. Quotes for the study sample policy were 52.9% higher than the Georgia average.

Dunwoody, GA

A suburb of Atlanta, Dunwoody is a city with more than 47,000 residents just north of the state’s largest city. It is home to the Perimeter Center and mall, which attracts many outside the city in addition to locals. Motorcycle insurance rates in Dunwoody were 34.5% higher than the state average.

Cartersville, GA

Cartersville is a city 43 miles northwest of Atlanta with about 20,000 residents. It is part of the Atlanta metropolitan area and is the seat of Bartow County. It was first known as Birmingham to the original English settlers and became Cartersville in the mid-19th century. Premiums in Cartersville were the third highest based on our profiled rider - 26% higher than the Georgia average.

Brookhaven, GA

The fourth most expensive place in Georgia is Brookhaven, another suburb of Atlanta. Brookhaven is just north of Georgia’s capital and home to more than 51,000 residents. It has a number of distinct neighborhoods and a mix of residential and commercial development. Motorcycle insurance rates in Brookhaven were 25.9% higher than the state average.

Sandy Springs, GA

Sandy Springs is another suburb north of Atlanta with high motorcycle insurance premiums. More than 101,000 residents call this area home. It also rounds out our list of the top five highest costs in the state. Rates in Sandy Springs were 23.5% higher than the state average for our benchmark rider.

Average Motorcycle Insurance Rates In Georgia: By City

We conducted this comparative study of motorcycle insurance premiums in Georgia by gathering and analyzing quotes from five major carriers across 130 cities. Our analysis showed premiums quoted for the most expensive places were more than 88.5% higher than the cheapest.

A study by ValuePenguin showed the average motorcycle insurance rate across five carriers for a sample policy and rider was $556.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Georgia Motorcycle Insurance Requirements

Georgia requires that all registered motorcycle owners establish financial responsibility for their ride. This is usually done by purchasing a motorcycle insurance policy with the minimum level of liability insurance. Below, we've broken down the required motorcycle insurance coverages in Georgia.

Coverage Type

Required Minimum Coverage
Bodily Injury Liability$25,000 per person / $50,000 per accident
Property Injury Liability$25,000 per accident

Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 130 municipalities and census-designated places in the state of Georgia. The quotes we gathered were from five major carriers: Progressive, Nationwide, GEICO, Dairyland and Markel. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. Quotes are based on a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual Rate% Difference vs State Average
69Albany$5540%
2Alma503-10%
121Alpharetta5916%
100Americus5591%
70Ashburn5540%
59Athens539-3%
130Atlanta85053%
101Augusta5591%
60Bainbridge539-3%
102Barnesville5591%
71Bartow5540%
5Baxley535-4%
6Blackshear535-4%
7Blairsville535-4%
8Blakely535-4%
61Blue Ridge539-3%
9Braselton535-4%
72Bremen5540%
127Brookhaven70026%
10Brunswick535-4%
62Calhoun539-3%
11Canton535-4%
103Carrollton5591%
128Cartersville70026%
63Cedartown539-3%
12Chatsworth535-4%
106Claxton5733%
13Clayton535-4%
64Cleveland539-3%
73Cochran5540%
3Colquitt523-6%
117Columbus5896%
14Commerce535-4%
74Conyers5540%
75Cordele5540%
15Cornelia535-4%
76Covington5540%
65Cumming539-3%
16Dahlonega535-4%
77Dallas5540%
66Dalton539-3%
67Danielsville539-3%
68Dawsonville539-3%
125Decatur67922%
17Donalsonville535-4%
18Douglas535-4%
118Douglasville5896%
78Dublin5540%
129Dunwoody74835%
124East Point63915%
104Eastman5591%
19Eatonton535-4%
20Elberton535-4%
21Ellijay535-4%
79Fayetteville5540%
4Fitzgerald534-4%
22Folkston535-4%
80Forsyth5540%
23Gainesville535-4%
Georgia Average5560%
24Glennville535-4%
81Gray5540%
82Griffin5540%
25Hartwell535-4%
26Hazlehurst535-4%
27Hiawassee535-4%
28Hinesville535-4%
29Homerville535-4%
83Jackson5540%
30Jefferson535-4%
31Jesup535-4%
32Johns Creek535-4%
122Jonesboro5947%
119Kennesaw5896%
33La Fayette535-4%
84Lagrange5540%
34Lavonia535-4%
35Lawrenceville535-4%
85Leesburg5540%
1Lincolnton451-19%
86Louisville5540%
87Macon5540%
36Madison535-4%
88Manchester5540%
123Marietta61010%
89Martinez5540%
90McDonough5540%
108Metter5764%
91Milledgeville5540%
109Millen5764%
37Monroe535-4%
107Monticello5764%
38Moultrie535-4%
39Mount Vernon535-4%
40Nahunta535-4%
92Newnan5540%
93Perry5540%
120Powder Springs5896%
41Reidsville535-4%
42Richland535-4%
110Richmond Hill5764%
111Rincon5764%
43Ringgold535-4%
44Rockmart535-4%
45Rome535-4%
46Roswell535-4%
47Saint Marys535-4%
48Saint Simons Island535-4%
126Sandy Springs68924%
112Savannah5764%
94Snellville5540%
113Statesboro5764%
49Summerville535-4%
114Swainsboro5764%
115Sylvania5764%
95Thomaston5540%
50Thomasville535-4%
96Thomson5540%
105Tifton5692%
51Toccoa535-4%
52Trenton535-4%
53Valdosta535-4%
54Vidalia535-4%
97Villa Rica5540%
98Washington5540%
55Watkinsville535-4%
56Waycross535-4%
116Waynesboro5764%
57Winder535-4%
58Woodstock535-4%
99Zebulon5540%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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