Best & Cheap Motorcycle Insurance in Louisiana for 2023

Motorcycle Insurance in Louisiana
Image credit: Image by Freepik

Motorcycle insurance provides insurance for various aspects, such as damages caused to others, damages to your bike, and individual injuries, depending on the specific policy. Motorcycle insurance coverage is typically required in most states. The cost of annual premiums can vary depending on factors such as the rider’s profile, the type of bike, and the location. These premiums can range from a couple of hundred to a couple of thousand dollars. So, if you currently do not have motorcycle insurance or are considering changing providers, continue reading to discover more about the best and cheap motorcycle insurance companies in Louisiana, along with their requirements and costs.

What Does Motorcycle Insurance Louisiana Cover?

In Louisiana, the motorcycle insurance policy provides coverage of up to $15,000 for an individual involved in a single accident. It also offers a maximum of $30,000 in compensation for accidents that involve two or more individuals. The property damage liability coverage per accident is $25,000.

Do Motorcycles Need Insurance in Louisiana?

Louisiana mandates that motorcyclists possess insurance coverage. This rule applies to both commercial drivers and motorcyclists. To register your motorcycle with the Louisiana Department of Motor Vehicles, you will need to provide proof of insurance. In other words, you can officially ride your bike if you have a valid registration.

Best Motorcycle Insurance Louisiana

The best motorcycle insurance in Louisiana includes the following:

#1. Harley-Davidson

According to the National Association of Insurance Commissioners (NAIC), Harley-Davidson has significantly lower complaint rates than similarly-sized companies. Rental reimbursement, additional equipment coverage, and emergency roadside service are just a few of Harley-Davidson’s many specialty coverage options. There are several price reductions to be made.

Harley-Davidson’s lack of availability of alternative forms of insurance is its largest issue. You may save money by switching to a different insurer and getting the convenience of dealing with just one company if you bundle your policies together.


With a score of 90 out of 100, this company placed highest in cost and financial stability. On average, GEICO charges $99 annually for liability-only auto insurance and $336 annually for complete coverage.

In addition to competitive pricing, GEICO differentiates from the competition by providing adaptable, high liability limits. With this coverage, you can acquire protection limits of up to $300,000 per occurrence and up to $100,000 for property damage. Optional accessory coverage and roadside assistance are included in a GEICO motorcycle insurance policy. What’s more, GEICO offers discounts that might lower your premiums even further.

#3. Progressive

When it comes to motorcycle insurance, nobody does it better than Progressive. More than 30 percent of riders favor it because of the policy flexibility it provides. You can obtain the protection you need at a price you can afford, whether you ride a custom, traveling, dirt bike, ATV, or any other type of motorcycle. 

You probably count your motorcycle as one of your most treasured things. Regardless of the sort of motorcycle you ride, you deserve insurance that treats your investment with the respect it deserves.  The Progressive Motorcycle Policy stands out among the many options for motorcycle insurance companies, often known as motorcycle insurance providers. It provides insurance that can shield your investment and your bank account. 

#4. Foremost

We recommend Foremost as the best motorcycle insurance provider because it is the only company here that offers coverage for track riders. In the event of a motorbike accident during a track day, the insurance policy will cover the costs of repairs or replacement. Foremost, a division of Farmers Insurance provides similar services but with more favorable premiums and policy conditions. Foremost, on the other hand, will cover your transport trailer for up to $10,000, while Farmers would only go as high as $7,500.

The company offers three levels of coverage: Saver, Plus, and Elite, all of which can be tailored to your preferences. Coverage for protective gear like helmets and clothing varies by plan, but it’s included in all three. Both the Plus and Elite plans cover track days and include towing and travel interruption coverage, in addition to more than $3,500 in coverage for optional equipment. The Elite plan has a lower deductible and better rental coverage for permissive use (letting other people use your bike).

#5. Safeco

Safeco, a subsidiary of Liberty Mutual, provides comprehensive motorcycle insurance, including protection for custom and kit motorcycles. So, if you have full comprehensive collision coverage, you’ll also get free roadside assistance and access to manufacturer-approved repair facilities.

Additional discounts and coverage additions are available through Safeco on top of these bonuses. In the event of an accident that completely destroys your motorcycle, the Harley Davidson Replacement Cost Provision will pay you the bike’s true cash worth, while the Safety Apparel Coverage will reimburse you for the cost of new protective clothing. The organization relies heavily on its agents, so if you want a price or further details about coverage, you’ll need to give them a call.

Motorcycle Insurance Louisiana Cost

There are several factors that affect the cost of motorcycle insurance in Louisiana. These factors include the model of your motorcycle, your riding years, your age, the scope of coverage on your policy, and other relevant considerations. MoneyGeek conducted an analysis to compare motorcycle insurance rates from various companies in Louisiana.

In Louisiana, the typical cost of motorcycle insurance is $170 per year, which is equivalent to around $12 per month for liability-only regulations. However, it’s important to note that a liability-only policy will not provide coverage for injuries or any harm that occurs to your motorcycle in the event that you are at fault for the accident. In Louisiana, the average annual cost for a comprehensive motorcycle insurance policy that provides full coverage is $459, which is equivalent to approximately $38 per month. The cost is 20% higher than the national average of $364 a year.

Cheap Motorcycle Insurance in Louisiana

The best cheap motorcycle insurance in Louisiana includes the following:

#1. Dairyland

This cheap motorcycle insurance from Dairyland costs just $22 per month on average, making it the most affordable option in Louisiana. It’s 51% lower than the average in the state. However, Dairyland’s subpar service and limited coverage options might dissatisfy customers with high expectations for their motorcycle insurance. Dairyland gets twice the number of complaints of the average insurance firm. That should serve as a warning to you that your customers are probably going to be dissatisfied. There aren’t many supplementary insurance choices for motorcyclists in Dairyland. Coverage includes things like trip interruption insurance and protection for motorcycles in trailers, but not rental car reimbursement after an accident or coverage for specialized motorcycle gear. Those who travel frequently by car may want to think about Dairyland.

#2. Markel

Markel is another cheap motorcycle insurance provider in Louisiana for mechanical failures since it’s the only provider on our list that covers repairs to parts that fail, even if a crash doesn’t initiate the failure. Both the accident forgiveness program (which allows you to avoid paying for your first at-fault loss after four years) and the declining deductible program (which reduces your out-of-pocket costs by 25% per year and eliminates them entirely after four years) make Markel stand out.

Motorcycle riders can choose from a full suite of coverage options, including uninsured motorist, accident, comprehensive, component, and towing. Additional coverage options include medical costs, uninsured motorist wreckage and bodily injury, burial expenditure, passenger liability, roadside assistance, and automobile rental repayment.

#3. Progressive

Progressive’s insurance includes complimentary accessory coverage, lowering deductibles with claim-free years, and a guarantee of either OEM or custom components in the case of an accident (depending on your bike). A claim for less than $500 will not influence your premiums under the company’s accident forgiveness plan. Furthermore, if you have been accident-free for four years, your rate for the first accident that costs more than $500 will not increase.

Customers in several states are eligible for large accident forgiveness. In this scenario, a driver’s premiums will not increase after an at-fault accident with a claim of more than $500 if they have been accident- and violation-free for at least five years. Finally, in addition to the mini and mega forgiveness plans, clients can buy extra accident forgiveness benefits. Each insurance period, they are eligible for accident forgiveness.

#4. Allstate

This is another cheap motorcycle insurance in Louisiana that provides coverage for bicycles, tricycles, and scooters, but it is unclear if it extends to other types of motorcycles. Also, Allstate provides loan gap insurance, insurance for damaged motorcycles and outdoor transport vehicles, extra protection for new motorcycles, and first accident forgiveness, in addition to the standard discounts and coverage options offered by motorcycle insurers.

#5. Voom

Motorcycle riders who seldom take the road can save money with Voom’s pay-per-mile plan. Policyholders pay a flat monthly cost plus a per-mile surcharge rather than paying a yearly premium all at once. Voom will adjust your monthly payment based on the most recent odometer reading you provide. If you forget to upload an image, Voom will automatically charge you an initial amount.

Louisiana Motorcycle Insurance Requirements

In order to legally operate a motorcycle in Louisiana, it is necessary to possess the appropriate validation on your driver’s license and successfully pass both a written test on road rules and a skills test. Make sure that you get your proof of registration and insurance card in advance, as you will need both documents to take the tests. These are the legal requirements that motorcyclists in Louisiana must adhere to:

#1. Handlebars

When you are sitting in the saddle, the handlebars can’t be higher than your hips.

#2. Mirrors

Motorcycles made after 1972 are required to have a mirror on the left side.

#3. Passengers

In order to properly carry people, your bike needs to have footrests and a seat just for them.

#4. Inspections

You should have a skilled mechanic look over your motorcycle at least once a year.

#5. Helmet

Every driver has to wear a helmet with a cover, padding, and lining.

#6. Eyewear

You need to wear goggles, eye protection, or a face shield if your bike doesn’t have a screen.

Generally, overtaking a vehicle in the same lane is illegal, except in the case of a police officer carrying out their duties. In addition, it is against the law to ride your bike between traffic lanes or to ride alongside another motorcycle in a single lane.

Is Motorcycle Cheaper Than Car Insurance?

Motorcycle insurance is mandated by law in almost all states, with only a few exceptions. The good news is that it is usually less expensive than car insurance, with an average cost of around $60 per month. However, the premium you will be charged may vary depending on factors such as age, geographical location, driving history, and other relevant considerations.

Are Older Motorcycles Cheaper to Insure?

The cost of liability insurance may be lower, but the premiums for overall and collision insurance could be higher. Furthermore, the price of the motorcycle is influenced by factors such as the make, model, and year. Insuring an older make and model that is hard to find may be more costly compared to insuring a more common vehicle.

Can You Ride a Motorcycle Without a License in Louisiana?

According to Louisiana law, individuals must possess a motorcycle license or endorsement in order to operate a motorcycle or motor-driven cycle. There are certain exceptions to this law. These exceptions include members of the military who are stationed in Louisiana, as well as full-time students who have permanent residency in another nation or country.

No. Lane splitting is not permitted in Louisiana as it is considered illegal. Currently, there are discussions in multiple states regarding the possibility of implementing lane-splitting legislation. This legislation would permit motorcycles to navigate between two lanes of traffic in specific situations. However, it is important to note that California is the only state that has officially legalized lane splitting at this time.

Is a Motorcycle Worth the Risk?

Motorcycles are inherently riskier than cars as a means of transportation. Hence, by wearing proper safety equipment and following the rules of the road, you can minimize the chances of getting injured.

Do Motorcycles Need Inspection in Louisiana?

When purchasing a motorcycle, it is necessary to have it inspected at a repair shop that has been authorized by the Louisiana Department of Public Safety and Corrections. You must complete this inspection within 40 days of purchasing the motorcycle.


  2. LOUISIANA CAR INSURANCE: Cost, Quotes & Best Options
  3. GEICO MOTORCYCLE INSURANCE: Coverage, Cost & Quote
Leave a Reply

Your email address will not be published. Required fields are marked *

You May Also Like