Motorcycle Insurance in Georgia

Having appropriate motorcycle insurance in Georgia can help ensure you have adequate financial protection for your two-wheeled adventures. Contact Fase Insurance Group in Jonesboro, GA to learn about your motorcycle policy options and get a quote.

Understanding Motorcycle Insurance

Motorcycle insurance can help financially protect against losses from accidents, theft and other unforeseen events that affect your motorcycle. Like auto insurance, motorcycle insurance offers various coverage options tailored to meet riders’ specific needs.

Georgia‘s Motorcycle Insurance Requirements

In Georgia, motorcycle riders must comply with the state’s minimum insurance requirements, which include liability coverage for third-party bodily injuries and property damage. This insurance pays only up to the policy’s limits, so work with your agent to determine whether you may need more protection than is provided by Georgia’s requirements.

Motorcycle Coverage Options

Motorcycle policies in Georgia typically offer several types of coverage in addition to liability insurance. These include the following:

• Collision coverage may help pay for repairs to your motorcycle if it’s damaged in a collision, regardless of fault.
• Comprehensive coverage may help provide financial protection from noncollision incidents like theft, vandalism or natural disasters.
• Uninsured/underinsured motorist coverage may help provide coverage if you’re involved in an accident with a driver who doesn’t have sufficient insurance or who is uninsured.
• Medical payments may help cover the rider and passengers’ accident-related medical costs. 

Factors Affecting Georgia Motorcycle Insurance Premiums

Several factors can influence the cost of motorcycle coverage in Georgia, such as:

• Age and experience—Younger or less experienced riders typically pay higher premiums
• Driving record—A clean driving record can lead to lower insurance rates, while accidents and traffic violations may result in higher premiums.
• Type of motorcycle—The make, model and age of your bike can affect insurance costs. High-performance or expensive motorcycles generally have higher premiums.
• Coverage limits—Higher coverage limits and additional coverage options increase premiums but provide more protection.
• Credit scores—Georgia insurers are allowed to use information about a rider’s credit profile to help determine the risk that they may file an insurance claim in the future.

Contact Us

Motorcycle insurance is crucial for riders in Georgia. Our agents can help you tailor motorcycle coverage to provide appropriate protection for your budget, lifestyle and riding habits. Contact Fase Insurance Group to learn about Georgia’s current motorcycle policy limit requirements and get a personalized motorcycle insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.