Motorcycle Insurance in Louisiana: The Cheapest Quotes and Best Companies

The cheapest motorcycle insurance in Louisiana will typically only offer liability insurance. This is the basic minimum required by Louisiana motorcycle insurance laws. If you want comprehensive coverage and high liability limits, the cheapest option is not always the best option. For riders in Louisiana, a comprehensive motorcycle insurance policy is better than liability-only insurance since it comes with collision coverage and other protections, including coverage for theft, fire and vandalism.

To find the cheapest companies, MoneyGeek used a profile of a good rider in Louisiana with 50/100/25 liability-only coverage.

On average, the cheapest motorcycle insurance companies in Louisiana for liability-only coverage are:

• GEICO: $99 per year
• Progressive: $115 per year

GEICO motorcycle insurance is 58.4% cheaper compared to the most expensive option, Harley-Davidson, which costs roughly $238 per year.

For most riders in Louisiana, a full coverage policy is the best option because it provides comprehensive coverage, including protection from collision damage and loss caused by risks such as theft or vandalism. This means that your asset will be better protected by a comprehensive policy. Riders who are making payments on their motorcycle may be required to take out a comprehensive policy.

For this analysis, MoneyGeek used the profile of a good rider in Louisiana with 50/100/25 coverage and a $500 deductible for comprehensive and collision coverage.

The cheapest motorcycle insurance companies in Louisiana for a full coverage policy are:

• GEICO: $336 per year
• Dairyland: $448 per year

The cheapest option, GEICO, is 37% cheaper than the most expensive, Harley-Davidson, which costs $533 yearly. This means you can make significant savings on premiums by comparing motorcycle insurance quotes in Louisiana.

In Louisiana, the cost of motorcycle insurance depends on a variety of factors, including the model of your motorcycle, your riding history, your age, the coverage limits on your policy and more. For this analysis, MoneyGeek compared motorcycle insurance rates from different companies in Louisiana.

The average cost of motorcycle insurance in Louisiana is $170 per year or approximately $12 per month for a liability-only policy. However, a liability-only policy does not cover you for injuries or any damage to your motorcycle if you caused the accident.

For a full-coverage motorcycle insurance policy in Louisiana, the average cost per year is $459 or approximately $38 monthly. This cost is 20% higher than the national average of $364 per year.

To determine the average costs of motorcycle insurance in Louisiana, MoneyGeek’s study used a policy with $50,000/$100,000 bodily injury coverage with $25,000 property damage and a $500 deductible.

To find the best motorcycle insurance in Louisiana, MoneyGeek used a unique rating system that incorporates motorcycle quote data unique to Louisiana, product and service offerings, affordability and financial stability ratings. More information can be found in our methodology. Based on the scoring system, GEICO ranked highest with a 90 out of 100.

Our analysis found that the best motorcycle insurance companies in Louisiana are:

Most insurers in Louisiana provide motorcycle insurance quotes online. You need to provide the insurer with the following details to get a quote:

• ZIP code and address where motorcycle will be located
• The year, make and model of the motorcycle
• Your age and information about your riding record and experience level
• Insurance coverage elections (for more information, see below)

Louisiana motorcycle insurance laws and requirements require riders to have a 15/30/25 motorcycle insurance policy with the following minimum coverage amounts:

• $15,000 per person bodily injury liability
• $30,000 per accident bodily injury liability
• $25,000 for property damage liability

In Louisiana, riders are required to have a 15/30/25 coverage for bodily injury and property damage. This means that to legally operate your motorcycle in Louisiana, you will need an insurance policy with liability limits of at least $15,000 for bodily injury per person, a limit of at least $30,000 per accident and a $25,000 liability limit for property damage. These limits are the amounts that your insurance will pay if you cause an accident.

Louisiana motorcycle insurance laws do not require you to have uninsured motorist, underinsured motorist or PIP coverage. Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. However, you can choose to have these coverages as part of a full coverage policy from your insurer.

When shopping for motorcycle insurance quotes in Louisiana, there are some basic details that you need to know. Some of the most commonly asked questions about motorcycle insurance in Louisiana include:

MoneyGeek collected motorcycle insurance quotes directly from different insurance providers based on varying coverage amounts and rider profiles to help our users find the least expensive insurer in Louisiana. The ranking for this study was based on policy cost in Louisiana (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). The most recent license laws and insurance coverage requirements in Louisiana were gathered from the state DMVs to ensure accurate and up-to-date information.