Cheapest and Best Motorcycle Insurance in Georgia 2024
Those looking for cost-effective options will find Harley-Davidson (Sentry Insurance) to be the cheapest, with a highly competitive monthly rate of $25.
In our experience, the best insurance provider blends thorough coverage with superior customer service.
In my 15+ years in the insurance industry, I’ve seen firsthand the consequences of neglecting proper motorcycle insurance. It’s not only about legality; it’s about securing your investment.
This guide utilizes our years of knowledge to help you avoid pitfalls and find the best and most affordable options for your ride.
Best Motorcycle Insurance In Georgia 2024
Compare The Best Motorcycle Insurance Companies In Georgia
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Best Motorcycle Insurance Companies in Georgia
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson emerges as the leading choice for motorcycle insurance in Georgia, thanks to its solid policies and outstanding service from Sentry Insurance. This partnership offers a unique edge.
With Sentry, a trusted name in insurance, backing Harley Davidson’s policies, policyholders can count on reliability and a strong financial base. Their A+ rating from AM Best affirms Sentry’s effectiveness in fulfilling policyholder commitments.
Designed for the varied and demanding riding conditions in Georgia, Harley Davidson’s insurance, supported by Sentry, offers extensive coverage and excellent customer service. These policies are not just a purchase, but a wise investment for motorcyclists.
With Harley Davidson’s specialized insurance plans and Sentry’s reliable track record, it stands out as the leading choice for motorcycle insurance in the state.
Benefits & Drawbacks
⇅- Customizable coverage options tailored for motorcyclists
- Supported by Sentry Insurance, known for its financial stability and dependability
- Provides various discounts and rewards for safe riders and H.O.G. members ✓
- Some riders may prefer not to be insured by a third-party provider
- More advantageous for Harley Davidson bike owners compared to other motorcycle brands
- Not available in all regions ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅For bundling insurance in Georgia, GEICO stands out, particularly with motorcycle insurance. Their affordable rates across multiple insurance types make them a preferred option for Georgia motorcyclists looking to consolidate their insurance needs.
What makes GEICO unique is its seamless combination of multiple policies, including motorcycle, auto, and home insurance, under a single umbrella. This streamlines policy management and often provides significant savings for policyholders.
In addition to being cost-effective, GEICO is praised for its user-friendly services. Their digital platforms, including an extensive website and a highly-rated mobile app, make policy management straightforward. GEICO’s customer service is also highly regarded, offering prompt and efficient help when needed.
This ensures that motorcyclists in Georgia have easy access to policy information and straightforward claims processing. GEICO’s affordability, convenience, and reliable customer service make it the best option for bundling insurance in Georgia.
Benefits & Drawbacks
⇅- Offers competitive pricing and a variety of discounts
- User-friendly online tools and a mobile app facilitate easy policy management
- Efficient claims processing and a solid customer service reputation ✓
- Coverage options might not be as specialized for motorcycles compared to providers that focus solely on motorcycle insurance
- Some customers report inconsistent experiences with customer service
- Policy customization options may be fewer compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA is the premier motorcycle insurance provider for military members, delivering personalized services and a trusted partnership. By recognizing the military community’s unique needs, USAA has chosen Progressive, an A+ (Superior) rated company, to handle coverage and claims. This partnership merges Progressive’s expertise in motorcycle insurance with USAA’s dedication to military members and their families.
Through its partnership with Progressive, USAA provides members with specialized motorcycle insurance that boasts financial stability and expertise. Moreover, USAA’s top rating for customer service from J.D. Powers underscores its commitment to excellence and customer satisfaction.
This partnership benefits military members by providing streamlined service, fast claims handling, and policies that consider the complexities of military life. The cooperation between USAA and Progressive ensures that military riders have a reliable, comprehensive insurance solution tailored to their distinct needs.
Benefits & Drawbacks
⇅- Customized services and discounts for military members and their families
- Progressive’s expertise in motorcycle insurance means they handle coverage and claims
- USAA is known for excellent customer service, providing a supportive and responsive experience ✓
- Only military members, veterans, and their families can join USAA, not the general public
- Some policyholders might prefer dealing directly with a single insurer rather than a partnership
- Coverage options and benefits could be more generic due to being part of a non-specialized insurance portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate excels in Georgia as a top motorcycle insurance provider, particularly noted for its exceptional customer service. By offering a personalized approach, Allstate ensures that each motorcyclist receives dedicated and customized assistance, catering to the unique needs that set them apart from standard auto insurance clients.
In Georgia, Allstate agents are essential for the state’s wide-ranging biking community. They know the specifics of local road laws and biking culture, providing insights beyond insurance. Allstate also has online and mobile platforms that offer 24/7 policy management and claims service.
In Georgia, Allstate is the preferred choice for motorcycle insurance thanks to their expert local agents, user-friendly digital tools, and dedication to customer service.
Benefits & Drawbacks
⇅- Extensive range of coverage options with policies that can be customized to fit individual needs
- Access to local agents who offer personalized service and understand local insurance requirements
- A variety of discounts, such as those for safe riding and multiple policies ✓
- Premiums might be higher than those from some other providers
- Discounts and policy options can vary widely based on individual situations
- Some policies may be more suitable for casual riders instead of professional or competitive riders ✘
Cheapest Motorcycle Insurance Companies In Georgia For Minimum Coverage
We discovered that USAA (Progressive) offers the most affordable minimum coverage in Georgia, costing $6 monthly.
The category “cheapest minimum coverage for motorcycle insurance in Georgia” means the most affordable insurance policies that comply with the state’s legal requirements for motorcycle riders. These usually include liability coverage for bodily injury and property damage caused by the rider in an accident.
Driving history is a key factor affecting insurance rates in this category. Riders with a spotless driving record generally pay lower premiums, as they are seen as low-risk by insurers. However, a history of accidents or traffic violations can lead to higher premiums, with insurers viewing these riders as higher risk.
Notably, being in an accident can have a serious impact on your insurance rate as it indicates a greater risk of expensive claims for the insurer. This evaluation of risk directly influences the cost of minimum coverage insurance in Georgia.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $76 |
| Geico | $79 |
| Allstate | $82 |
| Dairyland | $90 |
Cheapest Motorcycle Insurance In Georgia For Full Coverage
Based on thorough research, we discovered that Harley-Davidson (Sentry) has the most budget-friendly full coverage motorcycle insurance in Georgia, priced at just $25 per month.
The term “cheapest full coverage for motorcycle insurance in Georgia” describes the most affordable selections for insurance policies that surpass the state’s minimum liability criteria. Full coverage typically includes comprehensive and collision insurance, providing comprehensive protection against various scenarios like accidents, theft, vandalism, and natural disasters.
In this category, a rider’s driving history is a significant factor in insurance rate determination. Maintaining a clean record typically results in lower premiums because insurers perceive these riders as lower risk.
Conversely, riders with a history of accidents or traffic violations often face higher rates due to being perceived as higher risk by insurers. Specifically, being in an accident can significantly elevate your rate as it increases the insurer’s anticipation of future claims.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $26 |
| Progressive | $32 |
| Allstate | $37 |
| Nationwide | $43 |
Average Cost Of Motorcycle Insurance In Georgia
The average monthly premium for full coverage motorcycle insurance in Georgia is $32.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $26 |
| Progressive | $32 |
| Allstate | $37 |
| Nationwide | $43 |
Average Cost Of Motorcycle Insurance By City In Georgia
The city you reside in will influence your motorcycle insurance rates in Georgia. Riders in larger metropolitan areas usually pay more than those in rural areas, due to the higher frequency of accidents in heavily populated zip codes.
Here are ten cities in Georgia with the lowest rates for motorcycle insurance:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Athens | $58 |
| 2 | Roswell | $60 |
| 3 | Johns Creek | $62 |
| 4 | Alpharetta | $64 |
| 5 | Sandy Springs | $66 |
| 6 | Marietta | $68 |
| 7 | Smyrna | $70 |
| 8 | Warner Robins | $72 |
| 9 | Valdosta | $74 |
| 10 | Dalton | $76 |
Do You Need Motorcycle Insurance In Georgia?
In Georgia, it’s not just advisable to have motorcycle insurance; it’s a legal requirement. The state requires all motorcycle riders to have at least the minimum coverage to legally operate on public roads, ensuring financial responsibility for any damages or injuries in the event of an accident.
The minimum insurance coverage required in Georgia includes liability insurance, which pays for bodily injury and property damage you may cause to others in an accident. Specifically, the law mandates at least $25,000 for injury/death to one person, $50,000 for injury/death to multiple people, and $25,000 for property damage. However, this coverage does not include the rider’s own injuries or motorcycle damage.
To ensure broader protection, riders frequently look into additional coverages such as collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage handles damages to your motorcycle from accidents, while comprehensive takes care of non-collision issues like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly essential in Georgia due to the high number of underinsured drivers.
The law requires minimum insurance, but riders should consider their own needs, factoring in the value of their motorcycle, how frequently they ride, and their financial status. Failing to have the required insurance can result in fines, suspension of your license, and even impoundment of your motorcycle.
How To Get A Motorcycle Insurance Quote
The process of getting a motorcycle insurance quote is straightforward and includes the following steps:
- Gather Your Personal Information: Have your personal information on hand before you start. This includes your full name, address, date of birth, and driver’s license number, as well as details about any other riders who may use the motorcycle.
- Collect Your Motorcycle’s Details: Have detailed information about your motorcycle ready, such as the make, model, year, engine size, and vehicle identification number (VIN). Additionally, if you’ve made any modifications or have specific safety features, make sure to have those details handy, as they can affect the quote you receive.
- Determine Your Insurance Needs: When selecting coverage, think about liability limits and whether you want additional options such as comprehensive, collision, or uninsured motorist coverage.
- Research Insurance Providers: Investigate insurance companies that offer motorcycle coverage, evaluating their reputation, customer service ratings, and financial reliability.
- Get Quotes: Quotes can be requested online, over the phone, or in person. Provide the necessary information to the insurance provider. Online forms are a convenient way to quickly get multiple quotes. (Insuranceopedia offers multiple quotes to streamline your selection.)
- Compare Quotes: With several quotes in hand, compare them by considering price, coverage options, deductibles, and any exclusions or limitations. Ensure that you’re comparing similar coverage types across the quotes.
- Ask About Discounts: Find out about possible discounts you may qualify for, including those for safe driving, holding multiple policies, or completing motorcycle safety courses.
- Review Quotes and Select a Policy: Assess all the information and select the policy that gives the optimal mix of price and coverage for your needs.
- Provide Additional Information and Make Your Purchase: After selecting a provider, you may be required to provide more information or documents. Check the policy details, make your first payment, and you will get your proof of insurance.
Bear in mind that the least expensive quote isn’t always the ideal one. Look at the value of the coverage provided for the cost.
Our Methodology
To identify the best motorcycle insurance in Georgia, I used objective information from AM Best for financial stability and J.D. Powers for customer satisfaction. I also looked at reviews from various consumer platforms and drew on my experience as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is motorcycle insurance in Georgia?
On average, full coverage motorcycle insurance in Georgia costs $32 each month.
Who is the cheapest motorcycle insurance company in Georgia?
In Georgia, the least expensive motorcycle insurance is $25 per month from Harley Davidson, with Sentry Insurance Company providing the coverage and service.
Do you need motorcycle insurance in Georgia?
Anyone riding a motorcycle in Georgia is legally required to have motorcycle insurance.
Sources
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