Motorcycle Insurance in North Carolina, South Carolina and Georgia

Carrying motorcycle insurance is mandatory in North Carolina, South Carolina and Georgia, and you must produce it before the registration of your bike. Hitting Georgia & Carolina roadways devoid of a motorcycle insurance policy can attract dire consequences such as hefty fines and suspension of your driver's license. 

North Carolina, South Carolina and Georgia are an "at-fault state, meaning that you could be held financially liable after an accident if you are found responsible after involvement in an accident. The minimum mandated requirements for motorcycle insurance in North Carolina, South Carolina and Georgia are not sufficient to cover an accident, in particular when you are involved in a fatal accident that results in serious injuries. This inadequacy in coverage requires you to consider procuring additional coverages to protect you and your passenger if unexpected peril strikes. Motorcycle premium costs in insurances of North Carolina, South Carolina and Georgia are based on a host of factors, including:

  • Make or model your motorcycle.
  • Driving record.
  • Location. Storage.
  • Annual mileage.
  • Storage.


In addition to liability coverage, motorcycle owners should also consider these additional coverages:

  • Un-insured and under-insured: This covers damages your vehicle and your medical expenses when another motorists hit you, but they are under-insured or un-insured.
  • Collision: This coverage pays for expenses to repair or replace your motorcycle after an accident (collision involving another car, fence, guardrail, or stationary object.) where you are deemed at-fault (in part or in-full) or where fault cannot be determined.
  • Comprehensive: This coverage pays for damages to your automobile caused by animals, storms, theft, vandalism, and fire to name a few.  
  • Medical payments: This coverage pays for medical costs for the rider(s) after an accident, regardless of who is deemed liable.
  • Accessory coverage: This coverage protects the components you’ve added to the bike after it has left the factory or dealership.


Complete the “Contact Us” form above or call Dave Hill at 803-341-9060 for a motorcycle insurance proposal.