If you're a motorcycle owner in the state of Georgia, you must 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 $596, from Progressive. That's 23% less than the state average.
The average cost of motorcycle insurance in Georgia is $776 per year, or $65 per month.
Compare motorcycle insurance quotes in Georgia
After analyzing more than 250 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.
The cheapest motorcycle insurance companies in Georgia
In Georgia, we found that the cheapest insurance for motorcycles usually came from Progressive, with Allstate close behind. Both companies offered average quotes under $750 per year.
Compare motorcycle insurance quotes from providers in Georgia
Average annual cost
Best motorcycle insurance for most people: Progressive
Progressive has the best rates for motorcycle insurance we found in Georgia, at an average of just $596 per year. That's 23% less than the state average, and $98 less than the second-cheapest option, Geico.
Plus, Progressive has a great selection of coverage options, including replacement cost coverage for new bikes and enhanced injury protection.
Finally, Progressive's service tends to be strong. It has an National Association of Insurance Commissioners (NAIC) Complaint Index of 0.80, meaning it only receives 80% as many complaints as a typical insurer relative to its size.
Best for daily riders: Allstate
Motorcycle riders who use their bikes for commuting in Georgia may benefit from a few special coverages available at Allstate.
Most importantly, it offers rental reimbursement, which pays for a replacement vehicle if your motorcycle is being repaired. It also offers towing assistance and replacement cost coverage for new motorcycles.
Plus, we found that Allstate's rates were better than average, at $733 per year — about $46 less than the state average.
Best for military families: USAA
People affiliated with the military and their family members can get an extra discount on motorcycle insurance through USAA. The company has some of the best customer service in Georgia but is only available to a limited group of consumers.
USAA doesn't sell its own motorcycle insurance, but instead works through Progressive. USAA members get a 5% discount on their policies, which can be added to Progressive's already competitive rates.
However, USAA operates primarily online. If you prefer working in person with an insurance agent, USAA may not be the right option for you.
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 largest cities.
Difference from state average
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.
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 NAIC and customer satisfaction ratings by AM Best.
These ratings give us a way to compare insurance companies regarding the customer experience that comes after the initial quote. For example, an insurer with an NAIC Complaint Index below 1.00 is one that causes fewer consumer complaints than the average company of its size. A company's AM 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.
Motorcycle license requirements in Georgia
Motorcycle riders in Georgia must have either a Class M license or a Class M instructional permit. These are different 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.
Legal 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.
To analyze motorcycle insurance costs in Georgia, we collected 255 quotes for hundreds of addresses across the state based on a single rider profile. Our hypothetical shopper was a married 45-year-old man who owned a home and a 2021 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.