Who Has the Cheapest Motorcycle Insurance in Georgia?
Harley-Davidson has the cheapest motorcycle insurance in Georgia, at $21 per month for a full coverage policy.
Compare motorcycle insurance quotes in Georgia
Best cheap motorcycle insurance in Georgia
You must have insurance if you're a motorcycle owner in Georgia. But it doesn't have to break the bank. After studying 350 insurance quotes across seven top companies in Georgia, we determined the best companies for riders in the state.
ValuePenguin rated the best motorcycle insurance companies in Georgia based on customer service, cost and coverage availability.
We compared quotes for a full coverage policy to find the cheapest companies. Quotes have higher liability limits than the state minimum plus collision and comprehensive coverage. See our full methodology.
Cheapest motorcycle insurance companies in Georgia
The cheapest motorcycle insurance in Georgia comes from Harley-Davidson.
A full coverage policy from Harley-Davidson costs around $21 per month, which is 45% less than the Georgia state average.
Compare motorcycle insurance quotes in Georgia
The average cost of motorcycle insurance in Georgia is $38 per month, or $452 per year. That's 13% more expensive than the national average, which is $33 per month.
Cheapest motorcycle insurance companies in Georgia
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $21 | |
| Dairyland | $22 | |
| Allstate | $30 | |
| Progressive | $33 | |
| Markel | $37 | |
Best motorcycle insurance for most people: Harley-Davidson
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Editor rating
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Monthly rate
$21 ?
Pros and cons
Harley-Davidson has the best rates for motorcycle insurance in Georgia, with an average of just $21 per month. That's $17 per month less than the state average.
Harley-Davidson also has lots of discounts to help riders lower their insurance rates. In addition, many of Harley's discounts are easy to get. You could save money if you ride a new bike, have a motorcycle endorsement, own a home or make your payments on time.
Riders looking for upgraded coverage should be able to find what they need at Harley-Davidson.
Along with the standard liability, comprehensive and collision coverages, it offers:
- Roadside assistance: Covers the cost of towing, fuel delivery, a flat tire change and more if you're stuck on the side of the road.
- Rental reimbursement: Pays for a rental vehicle while your bike is in the shop after an accident.
- Optional equipment coverage: Protects custom equipment you've added to your bike, like a custom saddle or handlebars.
- Vacation rental coverage: Extends your coverage to protect you while riding a rental bike.
- Bike replacement cost: Replaces your bike with a brand-new model if it's totaled in an accident. You can also add replacement cost coverage for custom accessories.
The one downside of insuring your bike with Harley-Davidson is that the company doesn't sell home or renters insurance. It could be inconvenient to have policies with separate companies if your bike and home are damaged by the same event, like a fire.
Best for bundling insurance policies: Allstate
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Editor rating
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Monthly rate
$30 ?
Pros and cons
Allstate is an excellent option for Georgia riders who prefer to use one company for all their insurance needs.
In addition to motorcycle insurance, Allstate sells auto, home, renters, ATV, boat, life and business insurance. And it offers a multipolicy discount for bikers who buy other insurance products from Allstate.
Full coverage motorcycle insurance from Allstate costs around $30 per month for Georgia riders. While that's 20% cheaper than the state average, it's $9 more per month than a policy from Harley-Davidson.
However, Allstate offers many ways for bikers to save on their insurance. You can save by signing up for automatic payments, having a clean driving record or taking a motorcycle safety course.
Allstate also offers lots of coverage options for your bike. If you have a loan on your motorcycle, you can get gap coverage from Allstate. Gap coverage pays the difference between your bike's market value and the amount you owe on your loan if it's totaled in an accident.
Best for military families: USAA
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Editor rating
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Monthly rate
$31 ?
Pros and cons
USAA members can get an extra discount on motorcycle insurance. But you can only qualify if you're a military member, veteran or family member.
USAA doesn't sell its own motorcycle insurance but instead works through Progressive. USAA members get a 5% discount on Progressive policies. So, Georgia riders can expect to pay around $31 per month for a full coverage policy after the USAA discount.
Although that's not the cheapest rate in Georgia, a policy from Progressive comes with more protection than basic coverage from other companies.
For example, a standard policy from Progressive includes replacement cost coverage. This coverage will repair your bike using brand-new parts after an accident, regardless of wear and tear. Most companies charge extra to add replacement cost coverage to your policy.
In addition, USAA has some of the best customer service in Georgia. It regularly earns the top score on J.D. Power's auto insurance customer satisfaction survey.
Cost of motorcycle insurance in Georgia by city
Atlanta has the most expensive motorcycle insurance rates in Georgia, with an average of $51 per month for full coverage.
The cheapest motorcycle insurance in Georgia's larger cities is in Thomasville and Tifton, where a policy costs $33 per month.
Average cost of motorcycle insurance in GA by city
City | Monthly cost | % from average |
|---|---|---|
| Albany | $36 | -3% |
| Alpharetta | $35 | -6% |
| Americus | $37 | -2% |
| Athens | $35 | -8% |
| Atlanta | $51 | 36% |
Insuring a motorcycle in Georgia's major cities is generally more expensive than in the rest of the state. Living and riding in a city usually leads to more insurance claims, thanks to more traffic and higher crime rates.
Is motorcycle insurance required in Georgia?
Riders in Georgia are legally required to have a minimum amount of motorcycle insurance.
Whether you drive a car or ride a motorcycle, these requirements are the same. They cover costs you're responsible for if you hurt someone or damage property in an accident.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
Any motorcycle insurance quotes you get will meet these minimum coverages.
However, the bare minimum coverage usually isn't enough to pay for all the damage if you cause a serious accident.
For that reason, riders should choose higher liability limits if they can afford them. You should also consider adding comprehensive and collision coverage to protect your bike against damage.
Do you need a motorcycle license in Georgia?
Georgia motorcycle riders must have either a Class M license or an instructional permit.
This type of license or permit allows you to drive any motorcycle, moped or scooter with an engine capacity above 50cc. This includes any vehicle with:
- Three wheels or less
- A saddle for the rider
- Handlebars for control
You can operate motor-driven cycles with engines 50cc or smaller if you're over 15 years old with a valid Class C driver's license or permit.
A Class M license differs from a Class C license for four-wheeled vehicles. Class M licenses don't allow you to drive cars, and Class C licenses don't allow you to drive motorcycles.
Frequently asked questions
How much is motorcycle insurance in GA?
The average cost of motorcycle insurance in Georgia is $38 per month for full coverage. But Georgia riders can find much cheaper rates at Harley-Davidson, where a policy costs around $21 per month.
Do you need motorcycle insurance in Georgia?
Yes, you need to have motorcycle insurance to ride legally in Georgia. Riders must have at least $25,000 of bodily injury liability coverage per person and $50,000 per accident, and $25,000 of property damage liability coverage per accident.
How much is motorcycle insurance in Atlanta?
Riders in Atlanta pay an average of $51 per month for full coverage motorcycle insurance. That's $13 more per month than the Georgia state average.
You may be able to find more affordable rates with Harley-Davidson. It has the cheapest motorcycle quotes in the state.
Compare motorcycle insurance in Georgia vs other states
Methodology
To find the average cost of motorcycle insurance in Georgia, ValuePenguin collected 350 quotes from seven top insurance companies for 51 of the largest cities across the state. Rates are for a single 45-year-old man with a clean driving record who owns a 2018 Honda CMX500 Rebel.
Quotes include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
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.