Overall, the cheapest motorcycle insurance in Louisiana is offered by Dairyland with median rate of $32 per month or $385 yearly. However, Progressive and Geico also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Louisiana
Updated: April 21, 2025
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Key Takeaways
For most riders in Louisiana, Dairyland offers the cheapest motorcycle insurance with average annual rates of $197 for minimum coverage and $572 for full coverage.
Motorcycle insurance in Louisiana costs an average of $13 per month for minimum liability coverage and $81 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Louisiana
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Dairyland | $32 | $385 |
Progressive | $36 | $431 |
Geico | $37 | $439 |
Shelter Insurance | $38 | $456 |
Markel | $62 | $739 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Motorcycle Insurance by Category in Louisiana
Below you can view the cheapest motorcycle insurance in Louisiana for core driver categories.
Cost Category | Cheapest Provider | Lowest Monthly Rate |
|---|---|---|
Minimum Liability Coverage | Progressive | $7 |
Full Coverage | Dairyland | $48 |
Young Riders | Shelter Insurance | $11 |
Seniors | Progressive | $14 |
Riders with a Speeding Ticket | Dairyland | $13 |
Riders with an At-Fault Accident | Dairyland | $16 |
Riders with a DUI | Shelter Insurance | $5 |
*Minimum coverage and full coverage picks presented are for a 40-year-old rider with no driving violations who is insuring a 2023 Honda CRF450RL. Young riders are aged 16-25 and seniors are 65-80 for the base profile mentioned. The other cost profiles modify the base profile's driving history.
How Much Is Motorcycle Insurance in Louisiana?
The average annual cost of motorcycle insurance in Louisiana is around $152 for minimum coverage and $966 for full coverage. These costs make the state the 32nd in affordability for minimum coverage and the 2nd most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $13 | $152 | -1% |
Full Coverage | $81 | $966 | 69% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Louisiana Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Louisiana.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 45% on motorcycle policies in Louisiana. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Louisiana: Bottom Line
Our top three picks for affordable motorcycle insurance in Louisiana are Dairyland, Progressive and Geico. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Louisiana Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Louisiana motorcycle insurance:
Which company has the cheapest car insurance in Louisiana?
For full coverage policies, Dairyland offers the cheapest option at $48 per month but for minimum coverage, Progressive offers the lowest rates at $7 monthly.
How much does motorcycle insurance cost for most riders in Louisiana?
The average cost of motorcycle insurance in Louisiana is $966 per year or $81 monthly for full coverage policies and $152 annually or $13 monthly for liability-only policies.
Do you need motorcycle insurance in Louisiana?
Yes, Louisiana requires that all riders have motorcycle insurance with at least 15/30/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Louisiana
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.