Motorcycle FAQs

What coverage should I carry on a Georgia motorcycle policy?

All FAQs

Quick answer: Georgia does not require motorcycle insurance beyond the standard 25/50/25 liability minimums, but those limits are inadequate for a serious accident.

On a Georgia motorcycle policy, riders can carry more than the state minimum, including strong liability, uninsured motorist, and physical damage coverage if the bike has value. Georgia requires liability insurance to register a motorcycle, but the minimum limits often fall short of what a serious accident costs.

Georgia motorcycle policies are commonly built from these coverages:

  • Liability. Pays for injuries and property damage you cause to others. Because motorcycle accidents often involve serious injuries, limits such as $100,000 or more per person reduce the share a rider absorbs out of pocket.
  • Uninsured and underinsured motorist. Protects you when an at-fault driver has no insurance or not enough, which is common in Georgia and especially important for riders, who are more exposed in a crash.
  • Collision and comprehensive. Pays to repair or replace your bike after a crash, theft, fire, or storm damage, important for a newer or valuable motorcycle.
  • Medical payments. Helps cover your own injury costs regardless of fault.

Because riders face a higher risk of injury than drivers, the liability and uninsured motorist limits carry added weight; the level that fits a household is set in a coverage review. A minor-looking crash can lead to large medical bills, and the at-fault driver may not carry enough to pay them.

For example, suppose a car turns left in front of you in Atlanta and the driver carries only $25,000 in liability, but your injuries total $90,000. With strong uninsured and underinsured motorist coverage, your own policy can pay the $65,000 gap that the other driver’s insurance cannot. Without it, you could be stuck with that bill.

Custom parts and safety gear are often limited under standard policies, so a separate endorsement is common for riders who carry them. As an independent agency, we compare options across carriers based on how and where you ride. The coverages that fit your situation are set with a licensed advisor in a free coverage review.