Coastal Georgia might be the best place in the country to own a motorcycle. The riding season never really ends. Highway 80 takes you across the marsh to Tybee with the salt air in your face. Highway 17 rolls south through Richmond Hill under the oaks. And on a Saturday morning, the back roads through Guyton and Pembroke are about as good as two wheels gets.
All of that riding comes with one non-negotiable: the right motorcycle insurance. Not just because Georgia requires it — because on a bike, you don’t have a steel cage around you when something goes wrong.
Georgia law requires motorcycles to carry the same minimum liability limits as cars: 25/50/25 — $25,000 per person for injuries, $50,000 per accident, and $25,000 for property damage. Riding without it risks fines and a suspended registration.
But minimum limits protect other people from you. They do nothing for your bike, your gear, or your hospital bill. And motorcycle accidents produce serious injuries at a far higher rate than car accidents — which makes two coverages absolutely critical for riders:
Uninsured/underinsured motorist coverage. Roughly one in ten Georgia drivers carries no insurance, and plenty more carry only the minimum. If a distracted driver turns left in front of you on Abercorn — the classic motorcycle accident — their coverage may not come close to your medical bills. UM/UIM coverage fills that gap, and for riders, we consider it the most important line on the policy.
Medical payments coverage. Helps with your own injury costs regardless of fault. On a bike, even a low-speed drop can mean an ER visit.
repairs or replaces your motorcycle after an accident, whatever you hit or whoever's at fault.
theft, vandalism, fire, flood, and storm damage. Motorcycles are prime theft targets because they load into a truck bed in seconds, and in hurricane country, comprehensive is also what pays when a tree limb finds your bike or floodwater reaches the garage.
Standard policies cap coverage for aftermarket additions — often around $3,000 or less. If you've added pipes, bags, chrome, a custom seat, or a new paint job, tell us. Insuring a customized bike at stock value is one of the most common (and most painful) gaps we see.
towing to a shop that actually works on bikes, plus lodging and meals if a breakdown strands you far from home.
Helmets, jackets, and riding gear aren't cheap. Some policies cover damaged gear after an accident — worth asking about, especially since Georgia's universal helmet law means every rider owns at least one helmet worth protecting.
Usually much less than car insurance. Many riders in Georgia pay somewhere between $25 and $80 a month depending on the bike and coverage — a liability-only policy on a cruiser can run just a few hundred dollars a year, while full coverage on a new sport bike costs more. The biggest factors: the type of bike (sport bikes rate highest), your age and riding record, how the bike is stored, annual mileage, and your coverage limits.
Ways riders save:
We insure riders across the greater Savannah area and the Georgia coast, including:
Savannah, Pooler, Garden City, Port Wentworth, Bloomingdale, Thunderbolt, Tybee Island, Vernonburg, Rincon, Springfield, Guyton, Richmond Hill, and Pembroke.
Whether you commute into Savannah from Rincon, cruise to the beach from Pooler, or put weekend miles on the back roads out of Springfield and Bloomingdale, we’ll build a policy around your bike and how you actually ride it.
Motorcycle policies vary between carriers more than almost any other line — how they value custom parts, whether they pay agreed value or depreciated value after a total loss, how they treat passengers, what the UM limits really are. An online quote won’t walk you through any of that. We will. We compare multiple carriers that write motorcycles well in coastal Georgia, make sure your bike’s true value is on paper before a claim, and we’re a local phone call away when a driver on their phone doesn’t see you.
No. Motorcycles need their own policy. The good news: bundling the two usually earns discounts on both.
