On average, most motorcyclists from Georgia will pay anywhere between $880 to $1,150 a year for their motorcycle coverage. This will, of course, change depending on several factors such as:
- Your insurance provider
- Your driving history
- The motorcycle you drive
- How much coverage you want
In the state of Georgia, motorcyclists are required by law to have insurance. The peach state also requires drivers have a minimum coverage of:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
What Should Your Motorcycle Insurance Cover?
If you’ve been in an accident before or have owned a motorcycle, then you know Georgia State requirements are very low. A recent study showed that despite these legal requirements, many drivers and motorcyclists in Georgia don’t even have minimum coverage.
Your insurance doesn’t just need to cover injury to yourself or other people, it also needs to cover the cost to repair your motorcycle. If you have a vintage or special edition motorcycle, you may want more coverage.
Your basic motorcycle insurance should also cover:
- General liability
- Guest passenger liability
- Motorcycle collision
- Comprehensive coverage
- Customized motorcycle parts
- Uninsured/Underinsured motorist coverage
Although you have a little more leeway with how much coverage you want for these things, you’ll still need enough coverage if you get into any kind of accident. Motorcyclists are over 5 times more likely to become involved in a fatal accident. It’s best to not only protect yourself, but your family from any kind of roadside accident.
When selecting even basic coverage, you should always make sure your policy covers:
- Collision coverage
- Comprehensive coverage
- Uninsured coverage
- Underinsured coverage
Cheapest Way To Get Motorcycle Insurance In Georgia
There are lots of ways you can save money on motorcycle insurance. Similarly to the car you drive, the type of motorcycle you have can also affect your premium. Be sure to shop around and get quotes not just from different insurance providers, but also what it costs to insure different motorcycles.
The cheapest motorcycles to insure are:
- Suzuki GSX-R600
- Honda CBR650F
- Suzuki SV650
- KTM Duke
- Most Kawasaki motorcycles
Want to get the most competitive rates for your motorcycle insurance? Call one of our partners to learn more about motorcycle insurance in Georgia.
