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Motorcycle Insurance Laws in Georgia

Cars are not the only vehicles that needs insurance. Motorcycles need insurance too. In Georgia, motorcyclists are required to have insurance.


Motorcycles have the same insurance requirements as cars do. First, your motorcycle insurance policy must have a minimum amount of liability insurance:

  • $25,000 in liability insurance per person for injuries or death

  • $50,000 in insurance per accident for injuries or death

  • $25,000 in property damage liability insurance per accident.


If you do not have the required liability insurance then, the state may revoke or suspend the motorcycle registration. Also, liability insurance does not protect the rider. The insurance compensates victims of an accident the rider causes.

Other insurances you may want to consider adding on are:

  • Guest Passenger Liability: Specific to motorcycles and similar motor vehicles, guest passenger liability pays for your passenger’s bodily injuries and may protect against claims if your passenger is injured on your vehicle.

  • Motorcycle Collision: Collision coverage helps pay for repairs to your motorcycle after a collision with another vehicle.

  • Comprehensive Coverage: Comprehensive coverage helps pay for repairs to your motorcycle after damaged caused by means other than a collision such as theft, vandalism or hail.

  • Customized Motorcycle Parts Coverage: You can add on extra insurance if you have expensive customized parts on your motorcycle. Be sure to add them to your policy, otherwise your basic insurance policy likely won’t cover them if they’re lost or damaged.

  • Uninsured/Under-insured Motorist Coverage: This provides coverage for damages done to you or your property by a driver who doesn’t have enough insurance or doesn’t have any at all.

  • Med-Pay and PIP Insurance: They are no-fault insurance policies. The policies cover medical expenses and loss of income from an accident, regardless of who is at fault. This insurance coverage can be beneficial after an accident because you do not need to wait until a liability claim is settled to receive benefits.


No matter what vehicle you are driving, make sure you are insured. If you, or someone you know have been involved in an auto accident, call Your Accident Your Money at (888) 766-6398

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