Motorcycle Insurance

ATI offers comprehensive motorcycle insurance policies to Georgia residents at the State's most affordable prices.

motorcycle insurance coverage atlanta georgia ati insurance

Why Choose ATI Motorcycle Insurance

When you’re ready for riding on a beautiful, cloudless day, you want to know that you’ll be protected, not just physically, but also financially. Just like automobile insurance, motorcycle insurance is mandatory for anyone who owns a motorcycle

Costs of motorcycle insurance works just like car insurance—your premiums depend on where you live, your age, your driving record, and how many drivers you want to include on your policy. Furthermore, your premiums will also vary based on the amount of coverage you want, although you must have the minimum liability coverage required by your state.

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Minimum Coverage Requirements

All vehicles, including motorcycles, are required to have a minimum amount of coverage. Liability coverage is almost always required (except for a couple of states) and provides financial protection to the other vehicle/s or property in an accident in which you were liable.

Types of liability coverage you are normally required to have include:

This offers a set amount of coverage per person who is physically injured in an accident. For example, if your state requires you to have a $25,000 coverage limit, your insurance company would pay up to that amount in medical bills and other related costs for each person who was injured in an accident you were liable for.

This is the limit your insurance company will pay in total for all injuries. For example, if your coverage limit is $50,000, your insurance company won’t pay any more than that for all bodily injuries combined.

Because bodily injury liability per accident overrides bodily injury liability per person, it is usually a good idea to get more coverage than the state requires.

This is the total amount your insurance will pay for other vehicles or property that was damaged in an accident you were liable for. Other types of property can include mailboxes, fences, bicycles, etc. So, if your property damage limit is $10,000, then that’s as much as your insurance company will cover.

The most common coverage limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. However, find out what your state requires before getting a quote.

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motorcycle dirt bike three wheeler trike
motorcycle dirt bike three wheeler trike

Minimum Coverage Requirements

All vehicles, including motorcycles, are required to have a minimum amount of coverage. Liability coverage is almost always required (except for a couple of states) and provides financial protection to the other vehicle/s or property in an accident in which you were liable.

Types of liability coverage you are normally required to have include:

This offers a set amount of coverage per person who is physically injured in an accident. For example, if your state requires you to have a $25,000 coverage limit, your insurance company would pay up to that amount in medical bills and other related costs for each person who was injured in an accident you were liable for.

This is the limit your insurance company will pay in total for all injuries. For example, if your coverage limit is $50,000, your insurance company won’t pay any more than that for all bodily injuries combined.

Because bodily injury liability per accident overrides bodily injury liability per person, it is usually a good idea to get more coverage than the state requires.

This is the total amount your insurance will pay for other vehicles or property that was damaged in an accident you were liable for. Other types of property can include mailboxes, fences, bicycles, etc. So, if your property damage limit is $10,000, then that’s as much as your insurance company will cover.

The most common coverage limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. However, find out what your state requires before getting a quote.

Get Quote

Other Types of Coverage

Although liability coverage protects other drivers on the road from you, you should still get protection for yourself. Other type of motorcycle insurance coverage you should consider purchasing include:

This covers damages to your vehicle from any type of collision, including an accident with another vehicle or an object, like a fence. Sometimes, lenders require collision coverage if your motorcycle is not yet paid off.

This protection covers damage to your vehicle from anything that’s not a collision. Such events usually include vandalism, theft, damage caused by weather, and even damage caused by animals.

Also known as PIP, this plan pays for your medical bills if you are injured in accident and can even cover extra expenses such as loss of wages. This is good to have if you are ever injured in a single car accident.

This coverage protects you if the vehicle liable for an accident in which you were involved is uninsured or does not have sufficient coverage to pay for the damages to you or your property.

Need help deciding what kind of coverage you need? Talk to an ATI agent today!

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