What is the cost of motorcycle insurance in Georgia? – The cost of motorcycle insurance in Georgia varies on various variables, including age, gender, kind of motorcycle, and more. A motorbike insurance coverage in Georgia may cost around $96 per month ($1,150 per year) on average.
How much does motorbike insurance cost in Georgia?
The most affordable motorbike insurance providers in Georgia – Progressive typically had the cheapest motorcycle insurance in Georgia, with Allstate not far behind. Both businesses provided annual bids averaging around $750. Compare Georgia motorcycle insurance quotes from multiple carriers
| Insurer | Average annual cost |
|---|---|
| Progressive | $596 |
| Geico | $694 |
| Allstate | $733 |
| Nationwide | $753 |
| State Average | $776 |
| Dairyland | $1,104 |
In Georgia, you must have a Class M license or a Class M Instructional Permit (MP) to ride a motorbike or motor-driven cycle.
Does Georgia mandate motorcycle helmet use?
Georgia’s required motorcycle helmet legislation – Georgia’s first mandatory motorcycle helmet law was enacted in 1969, and it is still enforced today. Specific states only require motorcycle riders under a certain age to wear a helmet. In South Carolina, for instance, only riders and passengers under the age of 21 are obliged to wear a helmet.
- Test of energy absorption The helmet must possess a minimum amount of energy absorption when struck by a rigid item. This is measured by dropping the helmet onto two anvils from four different locations and measuring the impact force.
- Penetration examination Additionally, the helmet must survive the penetration test, in which a metal striker is dropped 118.1 inches in a guided free fall against a helmet mounted on a headform. “To satisfy the performance criteria, the striker may not make contact with the headform’s surface.”
- Retention test, Last but not least, the helmet must pass the retention system test, demonstrating that the chin strap and any other component of the retention system can sustain force or stresses, such as those that may be exerted during a motorcycle accident. “In order to achieve the performance criterion, the retention system of the helmet must not fail while loads are being applied, and the adjustable section of the retention system must not move more than one inch (2.5 cm) throughout the test.”
Unfortunately, non-authorized “DOT approved” stickers are available for purchase online, making it difficult for motorcycle riders and operators to determine which helmets are legal and safe. As of May 13, 2013, the rear of all DOT-compliant motorcycle helmets sold in the United States must include the following information:
- The maker and/or brand of the helmet
- The model identifier, and
- The term “DOT, FMVSS 2018 Certification”
DOT The only exceptions to Georgia’s motorcycle helmet rule are riders in an enclosed cab or motorized cart, as well as operators of three-wheeled motorcycles used only for agricultural reasons. Georgia’s obligatory helmet legislation is punishable by a fine of up to $1,000, up to one year in prison, and/or community service.
In addition, the personal repercussions of not wearing a helmet are far harsher, since studies show that helmets cut the chance of mortality by 37% and the risk of brain damage by 69%. If you are involved in a motorbike accident without a helmet, you or your passenger might be fatally wounded or killed, which is the worst possible outcome.
GA Code § 40-6-315 (2019) (a) No person may operate or ride a motorcycle without wearing protective headgear that meets standards prescribed by the commissioner of public safety. No individual may operate or ride a motorbike without a windscreen unless he or she is using an eye-protective equipment certified by the commissioner of public safety.
- C) This provision of the code shall not apply to anyone travelling in an enclosed cab or motorized cart.
- This provision of the Code shall not apply to a person who operates a three-wheeled motorbike for agricultural purposes alone.
- D) The commissioner of public safety is authorized to approve or reject protective headgear and eye-protection devices required by this Code section, as well as to promulgate and enforce rules defining criteria and specifications for their approval.
The commissioner shall publish in hard copy or online a list of all authorized protective headgear and eye-protection equipment by name and type.