Georgia motorcycle insurance

Illustration of a peach orchard in GeorgiaIllustration of a peach orchard in Georgia

Georgia has plenty of roads to entertain riders who love twists and turns and great views on their travels. The state is also home to an abundance of national forests and parks—and the spectacular Blue Ridge Mountains.

These rides are authentic treats for adventurers. For vast stretches in Georgia, you can ride without seeing people or going through towns. Be prepared with a full tank of gas and some food in your saddlebags.

Preparation is a part of every journey, which is why you need a motorcycle insurance policy when you hit the road in The Peach State.

What’s required of all motorcycle riders in Georgia?

You need the following to legally ride in Georgia:

  • Class M license: This is required for all riders 17 and older—if you’re 16, you can apply for a motorcycle permit license (with restrictions).

  • Helmet: Both riders and passengers must wear helmets.

  • Windshield: A windshield is required, unless you’re wearing eye protection.

  • Headlights and taillights: These lights must be illuminated at all times.

  • Side mirror: You need to have at least one mirror present.

  • Turn signals: Turn signals are required for all bikes manufactured after 1971.

  • Proper handlebars: Your handlebars must not exceed 15 inches above your seat.

  • Muffler: A muffler is required, but there are no sound restrictions.

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Prep your bike for your Peach State ride

Get your motorcycle in ride-ready shape.

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What are the motorcycle insurance requirements in Georgia?

Motorcycle insurance is required in Georgia, and proof of insurance must be shown prior to registering your motorcycle.

Whether you’re riding along the coast or in downtown Atlanta, you’ll need the following minimum motorcycle insurance coverages to legally ride:

  • $25,000 for bodily injury liability or death to one person

  • $50,000 for bodily injury liability or death to two or more people

  • $25,000 for property damage liability per accident

When the losses are higher than these limits, you may be responsible for paying the difference. Choosing higher motorcycle insurance limits can help protect you and your assets in these situations.

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Confused by your coverage?

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Are optional motorcycle insurance coverages available in Georgia?

There are a range of motorcycle coverage options in Georgia outside of just the minimum liability insurance coverages. Check out these other options to help protect you and your bike:

Comprehensive coverage

Comprehensive motorcycle insurance coverage can help pay for repairs to your bike after damage caused by theft, vandalism, or weather events like hail.

Uninsured motorist (UM) coverage

UM coverage can help you pay for certain expenses if an uninsured driver hits you or your vehicle.

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Does your policy still work for you?

Routinely reviewing your motorcycle insurance policy can help you save money.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

What types of motorcycle insurance discounts are available in Georgia?

We offer a wide selection of money-saving motorcycle insurance discounts to our riders. Our discounts are designed to make quality motorcycle insurance even more affordable, while recognizing each rider is different.

Here are some of the motorcycle insurance discounts available to our Georgia riders:

Homeowner discount

If you own a home, condo, townhouse, mobile home, or modular home, you could qualify for this discount. Just note, you must live in the home and be the declared operator on the policy. Proof of homeownership is required to keep the discount.

H.O.G.® member

If you're a member of the Harley Owners Group (H.O.G), then this discount is for you. Why not get rewarded for something you’re already a part of, right?

Additional motorcycle insurance discounts

  • Loyalty

  • Motorcycle rider course

  • Motorcycle rider group

  • Multi-cycle

  • Multi-line

Contact us for a free Georgia motorcycle insurance quote to discover what savings opportunities are available to you based on your driving record and other factors.

Sites to see in Georgia

The Suches Loop

Taking you through the Blue Ridge Mountains and Chattahoochee National Forest, and around Blood Mountain, The Suches Loop provides you with fantastic views.

In the fall, the foliage becomes a whirling mix of red, gold, and green. You'll also be treated to three mountain passes on this route: Neel's Gap, Hester Gap, and Stonepile Gap.

Highway 28: Tri-State Tour

Treat yourself to national forests, mountains, rivers, and waterfalls on this ride. This route takes you through Sumter National Forest and Nantahala National Forest, offering plenty of riding challenges and variety.

Fill up your tank and pack a meal for this adventure because you won't have many opportunities to stop to fill up or eat once you get going on this path.

Northern Georgia Scenic Byway Loop

In this loop, you'll ride along the foothills of the Blue Ridge Mountains, going through both forests and pastures along the way.

Once again, stock up on food and gas before departing because the only thing you'll see on this road is remarkable landscape views.

Want to explore Georgia off the beaten path? We have coverage options for your:

Get a Georgia motorcycle insurance quote

You don't want a little thing like not having a motorcycle insurance policy turning into a big fine or worse. So get the coverage you need so you can enjoy all the riding you want.

Enter your information below to start a quote online or call 866-324-7952 to speak with one of our friendly representatives.

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