Motorcycle Insurance in Georgia

A ride up toward Pine Mountain or a slow loop along River Road is one of the better arguments for living in west Georgia. Mallard Insurance Group insures the bikes that make those miles possible, from cruisers and touring rigs to sport bikes, dual sports, trikes, and scooters. We ride these roads too, so we know the coverage questions that actually matter.

Does Georgia Require Motorcycle Insurance?

Yes. Riders must carry the same liability minimums Georgia requires of drivers, which is $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage. Georgia also requires a helmet for every rider and passenger, no exceptions by age. Liability alone is thin protection, though, because a motorcycle claim tends to involve injuries rather than fender damage.

Coverage Riders Should Ask About by Name

• Custom parts and equipment for exhaust, bags, chrome, paint, and audio that a standard policy values at zero
• Riding gear coverage for helmets, jackets, boots, and gloves damaged in a wreck
• Guest passenger liability for injuries to whoever is on the back
• Uninsured and underinsured motorist for the driver who never saw you
• Roadside assistance and trip interruption for a breakdown far from home

Ways Riders Save

Motorcycle premiums respond well to small things: a rider safety course certificate, a clean record, an anti-theft device, garage storage, and reduced rates during the months your bike is parked. Keeping the bike with the same carrier as your Georgia auto insurance usually trims both bills, and riders with real assets often pair coverage with umbrella insurance for liability protection above the policy limit.