Who Has the Cheapest Motorcycle Insurance in Georgia?
Harley-Davidson has the cheapest motorcycle insurance in Georgia, at $21 per month. But Dairyland is a better choice because it has better customer service at just $22 per month.
Find Cheap Motorcycle Insurance Quotes in Georgia
Best cheap motorcycle insurance in Georgia
How we chose the top companies
Cheapest Georgia motorcycle insurance
Harley-Davidson has the cheapest motorcycle insurance in Georgia.
A full coverage policy from Harley-Davidson costs around $21 per month, which is 45% less than the Georgia state average.
Georgia riders should also consider Dairyland. On average, it costs $1 per month more than Harley-Davidson. However, it has far fewer customer complaints.
It may be worth spending a few extra dollars per year for the peace of mind that your insurance company will take great care of you after an accident.
Compare motorcycle insurance quotes in Georgia
The average cost of motorcycle insurance in Georgia is $38 per month. That's 19% more expensive than the national average, which is $32 per month.
Best cheap GA motorcycle insurance
Company | Monthly rate | ||
|---|---|---|---|
| Harley-Davidson | $21 | |
| Dairyland | $22 | |
| Allstate | $30 | |
| Progressive | $33 | |
| Geico | $49 | |
| Nationwide | $71 | |
Best motorcycle insurance for most people: Dairyland
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Editor's rating
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Cost: $22/month
Full coverage motorcycle insurance from Dairyland costs an average of $22 per month, which is $16 per month less than the Georgia average.
Although Dairyland costs $1 per month more than the cheapest company, Harley-Davidson, its low number of customer complaints makes it the best choice for most people.
Dairyland gets less than half as many complaints as similar insurance companies. That means you can count on Dairyland to get you back on the road quickly after an accident.
Dairyland offers fewer coverage add-ons than many other companies. But the options it does offer are comprehensive enough for most riders. For example, you can get roadside assistance and rental reimbursement. These are important coverage add-ons if your motorcycle is your main vehicle.
However, if you travel regularly, Dairyland might not offer the right coverage add-ons for you. For example, it doesn't offer trip interruption or coverage while you're towing your bike on a trailer. If you need extra travel coverage, consider Harley-Davidson or Allstate.
Best for cheap motorcycle insurance: Harley-Davidson
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Editor's rating
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Cost: $21/month
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 you lower your insurance bill, but you can't bundle your renters or home insurance.
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: Pays for 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 car while your bike is in the shop after an accident.
- Optional equipment coverage: Protects custom equipment you've added to your bike, such as a custom saddle or handlebars.
- Vacation rental coverage: Extends your coverage to protect you while riding a rental motorcycle.
- Trip interruption: Covers extra hotel and food costs if your bike breaks down while you're away from home.
- Bike replacement cost: Replaces your motorcycle with a brand-new model if it's totaled in an accident. You can also add replacement cost coverage for custom accessories.
One downside of insuring your bike with Harley-Davidson is that the company gets 64% more customer complaints than similar insurance companies. Most complaints are about low settlement offers. That means you could end up spending more to fix your bike after an accident.
In addition, Harley-Davidson doesn't sell car, home or renters insurance. Having policies with separate companies could be inconvenient if your bike and home are damaged by the same event, such as a fire.
Best for bundling insurance policies: Allstate
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Editor's rating
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Cost: $30/month
Allstate is the best choice for bikers looking to buy all of their insurance policies from one company. In addition to motorcycle insurance, Allstate sells auto, home, renters, ATV, boat, life and business insurance. And it offers a multipolicy discount if you buy other insurance products from Allstate.
Full coverage motorcycle insurance from Allstate costs around $30 per month for Georgia riders. While that's 21% cheaper than the state average, it's $9 more per month than a policy from Harley-Davidson.
However, Allstate offers many discounts to help you save on your 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.
- You can also add transport trailer damage coverage. This pays for damage to your trailer and your bike if you're in an accident while towing it.
Cost of motorcycle insurance in Georgia by city
Atlanta has the most expensive motorcycle insurance rates in Georgia.
On average, Atlanta motorcycle insurance costs $53 per month for a full coverage policy.
A number of cities have the cheapest motorcycle insurance in Georgia, including Valdosta, Brunswick and Thomasville. A policy costs $33 per month in these areas.
Average cost of motorcycle insurance in GA by city
City | Monthly cost | % from average |
|---|---|---|
| Albany | $36 | -3% |
| Alpharetta | $34 | -10% |
| Americus | $37 | -2% |
| Athens | $34 | -9% |
| Atlanta | $53 | 40% |
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.
Georgia motorcycle insurance requirements
Georgia riders must have a minimum amount of motorcycle insurance, which is sometimes written as 25/50/25.
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 automatically include 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, you should choose higher liability limits if you 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 fewer
- 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 Georgia?
The average cost of motorcycle insurance in Georgia is $38 per month for full coverage. But you 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 $53 per month for full coverage motorcycle insurance. That's 40% higher 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.
Methodology
To find the average cost of motorcycle insurance in Georgia, ValuePenguin collected more than 350 quotes from six 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
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
