Georgia Motorcycle Insurance

Georgia is a great state for motorcyclists, from the Suches Loop, aka “Georgia’s Dragon,” to the bridges and moss-draped oaks of Highway 17, crossing the many rivers and creeks of the coast.  However, to ride in Georgia, you must carry insurance on your bike.

The Peach State requires that all drivers have a minimum level of insurance coverage for their automobiles and motorcycles. Since Georgia is an “at-fault” state, you will be held responsible for all medical, legal, or civil costs above and beyond your motorcycle insurance coverages if you are found at fault in an accident. The advantage is that motorcycle insurance is typically cheaper in such states. However, the risk for you, as a rider, is significantly higher.

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Georgia Minimum Motorcycle Insurance

Georgia motorcycle insurance statutes require that owners must carry a liability policy. The state has some of the highest minimum limit requirements in the U.S. Those limits are:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more persons
  • $25,000 for damage or destruction of property

Despite the relatively high limits for a minimum policy, there is a very good chance that you will be faced with medical bills after any accident. To make matters worse, you will have to pay those bills in full if the other driver is at fault and is uninsured or does not have sufficient coverage.

Collision and Comprehensive

Collision coverage protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, be sure to add it on. Comprehensive, on the other hand, covers items like fire, wind, water, and other “Acts of God,” as well as theft and vandalism.

If you have a fairly new or expensive machine, the costs of even a single drop in a parking lot can be staggering. For this reason, it’s smart to consider additional coverage options like these.

Georgia Motorcycle Law

Believe it or not, every state defines a motorcycle for legal purposes.  Here’s what Georgia deems a motorcycle:

”Every motor vehicle having a saddle for the use of the rider and designed to travel on not more than three wheels in contact with the ground, but excluding mopeds. All motorcycles, scooters, minibikes, and motor bikes are considered motor-driven cycles.”

The statute goes on to define motorcycle engine displacement and power levels as anything above 50cc and/or 2 bhp.

Georgia Street-Legal Motorcycle Requirements

The Peach State is a beautiful place to ride. The plethora of wide open rural settings can make you forget the world around you. Unfortunately, the world forgotten or not, you and your bike must have certain equipment in order to be considered street legal. That must include:

Eye protection is required unless you have a windscreen in place, and a helmet is required for all riders and passengers. Handlebar height can be no more 15 inches above the seat. Only one mirror is required, and turn signals are required on all bikes built after 1971. Passenger foot pegs are required only if carrying a passenger, as is a seat for this person. A headlight is required, as is a muffler, though there are no regulations on noise level. No safety inspection is required.

Comparing Policies and Rates

We’ve made it easy to compare rates and policies from competing powersports insurers in your area.  Simply enter your zip code, and our system will allow you to request quotes and policy options from major insurers such as Progressive, Geico, and even Harley-Davidson.

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