Can You Get Motorcycle Insurance Without a License in Georgia?

If you’re a motorcycle rider in Georgia, you may be wondering about the requirements of purchasing insurance for your bike. While the laws vary from state to state, Georgia’s rules are particular about motorcycle insurance.

Can I Buy Motorcycle Insurance Without Being Licensed?

You don’t need a Class M motorcycle license to buy motorcycle insurance in Georgia, but here’s the catch – you need one to ride legally! Insurance companies don’t check your license when you’re setting up a policy. They care about the bike, its value, and your safety on the road. But without that Class M, you’re asking for legal trouble if you take it on the road, with or without insurance. Riding without a Class M license and insurance can result in hefty fines, license suspension, and even impoundment of your bike. (And, yes, Georgia law requires all bike riders to carry motorcycle liability coverage for bodily injury and property damage — it isn’t optional!)

Why Would Someone Who Isn’t Licensed Own a Motorcycle?

Unlicensed people own a motorcycle for a variety of reasons, including:

• It’s only temporary.
• The bike is a gift for someone else. 
• It’s a classic motorcycle. 

What Are the Minimum Requirements for Motorcycle Insurance?

Every state has minimum requirements for motorcycle insurance, and Georgia is no exception. The minimum requirements for motorcycle insurance include:

• At least $25,000 for bodily injury or death of one person when a motorcycle crash occurs.
• A minimum of $50,000 for bodily injury or death of at least two people in an accident, and
• Coverage for at least $25,000 in damages to one’s property because of an accident.

Remember, Georgia law also requires all motorcyclists to carry proof of insurance every time they are on the road. It’s your responsibility to provide it to a law enforcement official on demand. 

Other Things to Consider

As with car insurance, there are some other things to consider when purchasing motorcycle insurance in Georgia, such as:

• Consider getting comprehensive and collision coverage. Yes, the insurance will be more expensive, but it’s a small price to pay for the peace of mind that comes with protecting your two-wheeled investment.
• Getting underinsured and uninsured coverage. Again, while this add-on will drive your premium up, it will protect you if you have an accident with an underinsured or uninsured motorist. An underinsured motorist is someone who has insurance, but their coverage limits are lower than the actual cost of the damage. An uninsured motorist is someone who doesn’t have any insurance at all. This coverage will help you pay for your medical bills and bike repairs if you’re in an accident with such a motorist.

Have More Questions about Motorcycles?

Here at Law Tigers, we’ve compiled a library of information to answer all your questions about motorcycle riding, safety, events, and more. Give us a call at 1-888-863-7213 Check out our resources here.