Motorcycle insurance in Georgia costs $400–$2,000/year depending on your bike type, age, riding experience, and coverage. For a $15,000 Harley-Davidson ridden by an experienced rider (35+ years old) with full coverage, expect to pay $800–$1,200/year. If you're a Johns Creek, Alpharetta, or Milton rider who enjoys weekend rides through North Georgia mountains, Concierge Insurance Group provides motorcycle insurance that protects your bike and offers liability coverage — essential for financially responsible families with significant assets to protect. Your motorcycle is more than transportation — it's freedom ($10,000–$40,000+ for most North Atlanta riders). One accident, one theft, one lawsuit could cost you tens of thousands without proper insurance.
Here's what most motorcycle riders don't realize:
Georgia only requires $25,000 per person / $50,000 per accident in liability coverage. That's nowhere near enough if you cause a serious accident. Plus, minimum coverage doesn't protect your bike, your custom parts, or your medical bills.
A policy that says $25k / $50k will not cover medical bills, lost wages, and pain & suffering from a serious crash.
If you crash, minimum liability doesn't pay to repair or replace your motorcycle — you get nothing for collision damage.
Your $10,000+ in upgrades—exhausts, tuned engines, custom paint—are typically not covered under minimum policies.
You cause an accident and injure someone seriously — they sue for $300,000.
Your minimum coverage pays $50,000. You owe: $250,000
Don’t rely on the minimum. Consider higher liability limits, collision coverage, and agreed-value protection for custom parts so a single incident doesn’t cost you everything.
Real scenario from Alpharetta:
An Alpharetta rider (experienced, clean record) was riding his $20,000 Harley-Davidson on GA-400. A car pulled out in front of him. He swerved to avoid it and crashed.
All because he only had minimum coverage. Full coverage would have cost roughly $1,200/year and covered everything.
Motorcycle insurance provides coverage for your bike, liability, medical payments, and more — ensuring you’re protected from financial loss after an accident, theft, or damage.
Typical annual premiums for North Atlanta riders:
| Bike Type | Bike Value | Rider Age | Coverage | Annual Premium | Monthly Cost |
|---|---|---|---|---|---|
| Cruiser (Harley) | $15,000 | 35+ | Full | $800–$1,200 | $67–$100 |
| Sport Bike | $12,000 | 25 | Full | $1,500–$2,500 | $125–$208 |
| Touring | $20,000 | 40+ | Full | $1,000–$1,500 | $84–$125 |
| Adventure | $14,000 | 35+ | Full | $900–$1,400 | $75–$117 |
| Standard | $10,000 | 30+ | Full | $600–$900 | $50–$75 |
| Minimum Coverage | Any | Any | Liability Only | $200–$400 | $17–$34 |
Cruisers and touring bikes (Harley, Honda Gold Wing) are generally cheaper to insure than sport bikes.
Why they need full coverage:
Typical cost: $800–$2,500 / year (based on agreed value, rider age, driving record)
Why they need full coverage:
Typical cost: $700–$2,000 / year
Why they need full coverage:
Typical cost: $1,200–$4,000 / year (varies widely by age & model)
Why they need full coverage:
Typical cost: $800–$3,000 / year (depending on bike & coverage)
Not sure what you need? We compare multiple carriers to match coverage to your bike and budget.
Georgia minimum: $25,000 per person / $50,000 per accident
Example: Johns Creek Rider Causes Accident
You’re riding on GA-400 and accidentally rear-end a car. The driver suffers serious injuries.
Your minimum coverage:
What’s at risk:
With full coverage ($250k liability + $1M umbrella):
Liability coverage: $250,000
Umbrella coverage: $1,000,000
Total coverage: $1.25 million
Paid: $300,000
You owe: $0
Example: Alpharetta Harley Crash
You’re riding your $20,000 Harley on a mountain road. You hit gravel in a curve and crash. The bike is totaled.
Your minimum coverage:
With full coverage (collision):
Collision coverage: $20,000
Paid: $19,000 (after $1,000 deductible)
You owe: $1,000
Cost difference:
Minimum coverage: $150/year
Full coverage: $350/year
Difference: $200/year
What you lost by saving $200/year: $19,000
Example: Milton Custom Harley Theft
Your custom Harley is stolen from your driveway.
Your standard motorcycle insurance:
With full coverage (custom parts & equipment):
Covers base bike: $15,000
Covers custom parts: $10,000
Total paid: $25,000
You owe: $0 (minus deductible)
Example: Duluth Rider Hit by Uninsured Driver
An uninsured driver runs a red light and hits you. You suffer serious injuries.
The other driver:
Your minimum motorcycle coverage:
With full coverage (medical payments + uninsured motorist):
Medical payments: $25,000
Uninsured motorist: $100,000
Total coverage: $125,000
Paid: $100,000
You owe: $0
Don’t wait for a real-world scenario to prove how costly minimum coverage can be. Protect your bike, your health, and your finances with full motorcycle insurance.
| Coverage | Minimum (Liability Only) | Full Coverage |
|---|---|---|
| Liability | $25k/$50k (state minimum) | $250k–$1M (recommended) |
| Collision | ✗ Not included | ✓ Included |
| Comprehensive | ✗ Not included | ✓ Included |
| Medical Payments | ✗ Not included | ✓ $25k–$100k |
| Uninsured Motorist | ✗ Not included | ✓ $100k–$250k |
| Custom Parts | ✗ Not included | ✓ $10k+ |
| Roadside Assistance | ✗ Not included | ✓ Included |
| Cost | $150–$300/year | $350–$700/year |
Minimum coverage: Only damage you cause to others (limited)
Full coverage: Everything — your bike, medical bills, custom parts, and more
Even then, you should increase liability limits to $250k–$1M.
For most North Atlanta riders, full coverage is essential.
Don’t leave your bike and finances at risk. Compare quotes today and see how full coverage protects you in every scenario.
Best for: Most riders, competitive pricing
Strengths:
Typical cost: $300–$600/year
Best for: Cruisers, touring bikes, sport bikes
Best for: Affordable rates, good coverage
Strengths:
Typical cost: $250–$500/year
Best for: Budget-conscious riders, all bike types
Best for: High-risk riders, sport bikes
Strengths:
Typical cost: $400–$700/year
Best for: Younger riders, sport bikes, riders with tickets
Best for: Harley-Davidson owners
Strengths:
Typical cost: $450–$750/year
Best for: Harley riders with extensive custom parts
Best for: Multi-policy discounts
Strengths:
Typical cost: $350–$700/year
Best for: Riders who bundle with home/auto
As an independent agency, we compare all carriers to find you the best coverage at the best price.
We understand motorcycles and the riding lifestyle. We know the difference between a Road Glide and a Street Glide, and why custom parts matter.
We speak your language.
We compare Progressive, GEICO, Dairyland, Foremost, Nationwide to find you the best coverage for your needs.
We specialize in Johns Creek, Alpharetta, Milton, Duluth riders and know the local riding scene:
What we need from you:
We'll show you coverage options from multiple carriers so you understand:
Ride knowing your bike and assets are fully protected.
Q: How much does motorcycle insurance cost in Georgia?
A: Motorcycle insurance costs $300–$700/year depending on bike type, age, and coverage.
Q: What's the minimum motorcycle insurance required in Georgia?
A: Georgia requires:
But this is NOT enough. We recommend $250k–$1M liability.
Q: Do I need full coverage on my motorcycle?
A: If your bike is worth $10,000+ or you can't afford to replace it, yes — you need full coverage (collision, comprehensive, liability).
Q: Does motorcycle insurance cover custom parts?
A: Only if you add custom parts & equipment coverage. Standard policies cover $0–$5,000 max. If you have $10,000+ in custom parts, add this coverage.
Q: Is motorcycle insurance more expensive than car insurance?
A: Often yes, because motorcycles are higher risk. Cruisers and touring bikes (Harley, Gold Wing) are cheaper than sport bikes.
Q: Does motorcycle insurance cover passengers?
A: Yes, your liability coverage covers injuries to your passenger.
Q: Can I get a discount for taking an MSF course?
A: Yes! Most carriers offer 5–10% discount for completing a Motorcycle Safety Foundation course.
Q: What's a lay-up discount?
A: If you store your bike for winter (not riding), some carriers offer a discount (5–15% off during storage months).
Q: Do I need uninsured motorist coverage?
A: Yes. About 20% of drivers in Georgia are uninsured. Uninsured motorist coverage protects you if hit by an uninsured driver.
Q: Should I bundle motorcycle insurance with my auto and home?
A: Yes! Bundling saves 10–25% depending on carrier.
📋 Get Your Free Motorcycle Insurance Quote
Full coverage for your bike and custom parts. What you'll get:
Call: (678) 822-0950
Email: info [at] conciergeinsurancegroup [dot] com
We serve riders in: Johns Creek • Alpharetta • Milton • Duluth • Roswell • Cumming
Office: Satellite Blvd, Duluth, GA
