Does Georgia Require Motorcycle Insurance in the United States?


line of motorcycles

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Yes, you are required to have motorcycle insurance if you want to legally operate a motorcycle in Georgia.

Both motor vehicles as well as motorcycles have the same insurance requirements, assuming they are registered in the state.

It’s worth noting that liability insurance doesn’t protect you as a motorcycle rider if you have been involved in a motorcycle accident

What are the Motorcycle Insurance Requirements in Georgia?

If you want to operate a motorcycle in the state of Georgia, there is a minimum amount of liability insurance required:

  • $25,000 in liability insurance per person, which covers injuries or death
  • $50,000 in insurance per accident, which covers injuries or death
  • $25,000 for liability insurance that covers property damage

Operating a motorcycle without the required liability insurance could result in a suspended or revoked motorcycle registration. It’s also possible to get a fine for $25, as the motorcycle owner, if the coverage lapses.

Individuals that fail to pay the fine for the insurance lapse within 30 days will receive an additional fine of $160, imposed by the state of Georgia.

For riders without motorcycle insurance, it’s required that they must immediately cancel the motorcycle registration with the state.

As the owner of an uninsured motorcycle, you must not ride or allow anyone else to ride the bike until you have gotten valid registration and the required insurance in Georgia.

What Additional Insurance Policies are Available for Motorcycle Riders in Georgia?

It’s worth noting that liability insurance isn’t meant to protect the rider. This type of insurance is designed to compensate the victims of an accident that was caused by the rider.

The biggest problem with motorcycle collisions are that the injuries tend to be severe. This is because riders don’t have the same level of protection as cars, even when they’re wearing a motorcycle helmet or motorcycle jacket.

Compared to somebody in a vehicle, a motorcycle rider involved in a motorcycle accident could incur hundreds of thousands of dollars in losses and damages in a single event.

There is other optional vehicle insurance that motorcyclists in Georgia can take advantage of. This would include things like:

  • Collision insurance, which pays to replace or repair the motorcycle in the event that the rider causes the accident
  • Comprehensive insurance, which pays to repair or replace the motorcycle if it’s damaged by theft, weather, fire, or anything else that’s covered
  • Uninsured motorist coverage, which covers the Rider and the Motorcycle in case of an accident that’s caused by somebody without insurance
  • Underinsured motorist coverage, which covers the Rider and the Motorcycle in case of an accident that’s caused by somebody without enough insurance to cover the claim

Any insurance company in Georgia is going to have additional policies that they will discuss with riders.

There’s even benefits like roadside assistance and towing, which can be useful outside of a motorcycle accident.

What are the other requirements for riding a motorcycle in Georgia?

If you want to ride a motorcycle in Georgia you need a class M motorcycle license or an instructional permit.

There are two ways to get a motorcycle license in Georgia.

One way is to complete a motorcycle safety program course. By completing this course, you won’t need to complete the writing and written tests administered by the state.

The second way to get your license is by passing a vision test, written test, and writing test. This will be administered by the Georgia Department of Driver Services.

It’s worth noting that there is a universal helmet law in Georgia. This means that all riders are required to wear a motorcycle helmet. The helmet must exceed or meet the requirements of any DOT-approved helmet.

Do you need a motorcycle accident attorney if you’ve been injured in a motorcycle crash?

It’s always a good idea to discuss any motorcycle accident or accident claim with an attorney. Even if you’re not at fault, a motorcycle lawyer will give you a reliable and straightforward opinion that you can use to plan your legal strategy.

An attorney will be able to protect your rights as a motorcycle rider so that you’re able to receive full compensation for any motorcycle accident injury or damage.

It’s worth mentioning that insurance claims Adjusters might tell you that you don’t need a lawyer. That’s because the adjuster is focussed on getting the best for the insurance company, rather than focus on you and your health.

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