Georgia Motorcycle Insurance Information & Services




With the red dirt flatlands in the South, exhilarating twisties to the North, and bustling nightlife in and around major cities, Georgia can be a moto-enthusiasts dream state.  

Just like every other state, Georgia motorcyclists must prove just as much financial responsibility for their motorcycles as they would any other vehicle being operated on a public roadway. In Georgia you may either self insure by declaring so and paying a self insurance fee, or you must purchase a motorcycle liability insurance policy that meets at least the state's minimum liability limit 

Most people will purchase a Georgia motorcycle liability insurance policy to satisfy state laws regarding minimum auto liability limits.  

We offer free quotes on Georgia motorcycle insurance policies instantly over the phone and online. With just your zipcode and a few other details about your bike we can connect you with hundreds of affordable Georgia motorcycle insurance options including liability insurance, full coverage, and uninsured motorist insurance.  

Click the button above right or dial 1-800-771-7758 for immediate assistance from our helpful and courteous motorcycle insurance agents.  


Liability Motorcycle Insurance: Georgia Minimum Insurance Requirements 

There are specific auto liability insurance minimums that motorists in each state are obligated to fulfill in order to drive legally. These minimum insurance limits are held the same for all vehicles.  

If you choose not to buy liability motorcycle insurance, then you must personally be able to provide up to the following sums of money in the event of a qualifying accident.  

  • $25,000 personal injury liability to a single person in an accident

  • $50,000 personal injury liability to all persons resulting from a single accident

  • $25,000 property damageliability coverage for a single accident.

Bear in mind that these motorcycle insurance coverage amounts are the bare minimum, and will only protect other drivers if you are found to be at fault in an accident. 

If you expect your insurance company to help pay for repairs to your after an accident, you need collision motorcycle insurance. To safeguard your motorcycle against non-collision damages such as theft, vandalism, fire, and even explosion, riot or civil unrest  you must buy comprehensive motorcycle insurance for Georgia. 

To find out more about full coverage options  for Georgia motorcyclists, click on the button above or call to speak with a helpful and informative agent and get free motorcycle insurance quotes instantly!


Do I Need to Buy Georgia Motorcycle Liability Insurance?

Yes, unless you own at least ten vehicles.

Everyone must prove their financial responsibility up to the amounts stated above, regardless of whether or not they own ten cars, but in order to be eligible for Georgia's only alternative to liability motorcycle or auto insurance, you must own at least ten vehicles.

It is not enough to own the vehicles however, you must also declare self insurance.

The process of declaring self insurance basically means that you confirm with the authorities in your state that you are aware of the fact that you do not have insurance, and you are instead willing to assume your own risk of lawsuit, bodily injury, and property damage liability. Please realize that declaring self insurance means that any accident you cause you are fully responsible. That means that putting someone in the hospital for even a single day for a minor injury, can result in you being considered personally accountable for tens of thousands of dollars in medical treatment.

If you are at all interested in self insurance, it's best to talk to your local DMV and learn what the local rules and process are for making that declaration. It would also help greatly to call and speak with one of our helpful and courteous Georgia motorcycle insurance agents.


 Other Motorcycle Insurance Coverage Options

  • collision

  • Comprehensive

  • Full Coverage

  • Personal Effects

  • Uninsured/ Under Insured Motorist

  • Many More 


For more information on the ins and outs of Georgia auto insurance, you can refer to the Insurance Department of Georgia's website at http://www.oci.ga.gov/