Georgia motorcycle insurance

What are Georgia's motorcycle insurance requirements?

Georgia law requires anyone operating a motor vehicle — including motorcycles — to have insurance. Before you can even register your bike and get a license plate in Georgia, you'll need proof of insurance that meets the following minimum liability coverage limits:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $25,000 in property damage per accident

In addition to liability coverage, Georgia recommends (but doesn't require) uninsured/underinsured motorist (UM/UIM) coverages with the following minimum limits:

• UM/UIM BI: $25,000 per person and $50,000 per accident
• UM/UIM PD: $25,000 with a $250, $500, or $1,000 deductible

While the legally required liability coverage protects others, UM/UIM coverage protects you. It can help cover your medical bills ("BI" or "bodily injury"). Or it can pay for damages to your bike or other property ("PD" or "property damage") when another driver is at fault but doesn't have enough insurance to pay for the damage or injuries they've caused.

Learn more about uninsured motorist coverage for motorcycles.

What’s included in a Progressive motorcycle insurance policy in Georgia?

When you have physical damage coverage, Progressive always pays to get your bike back to its condition before the accident. We cover you for the replacement cost of parts without depreciation and pay for the same kinds of parts for the repair. That means if your bike has parts from the original equipment manufacturer, we'll pay for OEM parts for the repair. If you have custom parts, we'll pay for custom parts. Your bike will be just like it used to be or better.

If you've got upgrades, after-market equipment, or other add-ons, our Accessories coverage (sometimes called CPE for "custom parts/equipment"), also standard, can protect those modifications or upgrades. We automatically include $3,000 of accessories coverage with comprehensive and collision, but you can choose a higher limit — up to $30,000 — to make sure you're covered. If you make more modifications later, you can increase the limit.

Standard Progressive coverages

In addition to the required liability coverages and suggested UM/UIM coverage, motorcyclists in Georgia may want other standard motorcycle insurance coverages to protect their investment.

Comprehensive coverage covers non-collision damage from forces beyond your control — like severe weather, theft, or vandalism. Collision coverage can pay for damages to your motorcycle that result from a collision, regardless of fault and even if there's no other driver involved (like if you lose control and hit a tree). Finally, medical payments coverage can help pay for medical bills that you or a passenger sustain in an accident, no matter who's at fault for the crash.

Other Progressive motorcycle coverages available in Georgia

If you want even more protection, you can upgrade and customize your policy further with optional coverages like:

Total loss coverage protects against depreciation by paying the full MSRP of a current model year of your bike, less your deductible, in the event of a total loss. It is available for bikes no more than one model year old on a new policy or two years old on a renewal.

Roadside assistance covers the cost of towing you to the nearest repair shop and can even pay for incidental expenses if your trip is interrupted while you're away from home.

Carried contents protects any belongings or personal effects (cellphones, hunting gear, etc.) you carry on the bike with you against theft or damage resulting from a covered accident.

Enhanced injury protection can pay up to $250 a week for as long as two years if you're injured and unable to work due to a covered accident.

Learn more about available motorcycle insurance coverages.

How much is motorcycle insurance in Georgia?

Insurance companies each have their own formula to calculate your rates, but they all consider factors like your age, location, accident history, coverage limits, and riding habits. Based on Progressive’s pricing, Georgia is a medium-cost state overall, so the average cost of motorcycle insurance in Georgia is similar to the national average.

Where to find cheap motorcycle insurance in Georgia

Whether you're shopping for the best motorcycle insurance in Georgia or just the best deal, Progressive's customizable policies can help you find the right balance of coverage and cost. Once you've built the perfect policy for you, save even more with our many motorcycle insurance discounts, including:

• Multi-policy
• Switch and save
• Responsible driver
• Motorcycle endorsement
• Pay on time

See all motorcycle insurance discounts.

How to get motorcycle insurance in Georgia