The Best Cheap Motorcycle Insurance in Louisiana

Although you must buy insurance to legally operate a motorcycle in Louisiana, that doesn't mean that every motorcycle insurance company offers the same price and coverage. After obtaining more than 100 quotes from across Louisiana, we determined some of the best motorcycle insurance companies in the state.

The cheapest motorcycle insurance companies in Louisiana

That's about $421 more per year than what motorcycle insurance usually costs in the rest of the country.

Cheapest motorcycle insurance companies in Louisiana

Best motorcycle insurance for most people: Geico

The best motorcycle insurance for most people in Louisiana is Geico. While Geico's features aren't particularly unique, its coverage will fit the needs of typical motorcycle riders. As the cheapest motorcycle insurance company in the state by far, Geico offers prices that remain reasonable for many bike owners.

A standard motorcycle insurance policy from Geico costs about $61 per month in Louisiana, which is much cheaper than the state's average cost of coverage.

You can further reduce the price of your motorcycle insurance with Geico by qualifying for discounts. The most effective way of saving is to bundle car and motorcycle insurance with Geico. You can also lower your premiums if you're at least 65, complete a safety course or renew your policy.

If you want more coverage, you can supplement your policy with expanded accessories coverage and roadside assistance protection in case you break down on a trip. You can easily request roadside service and track its arrival using Geico's mobile app.

Best motorcycle insurance for complete coverage: Progressive

Progressive motorcycle insurance has the best coverage for riders who want to maximize their bike's coverage. It offers high-quality features, and despite rates higher than Geico's, customers will pay less than the average for coverage in Louisiana.

Motorcycle insurance from Progressive costs an average of $81 per month in Louisiana. That's about 36% more expensive than Geico but 14% less than the state's average cost of motorcycle insurance. Progressive includes $3,000 of custom property protection and replacement cost coverage as part of standard coverage. You could upgrade your policy by adding:

Although Progressive doesn't have the cheapest rates, on average, in Louisiana, it also has many opportunities for discounts. Many discounts from Progressive aren't difficult to qualify for, including price reductions for being a safe driver, enrolling in automatic payments and having a motorcycle endorsement — something you must carry in Louisiana anyway.

Best for daily riders: Allstate

Louisianians who rely on their bikes for daily transportation should take a serious look at Allstate. The company isn't the cheapest, but it has options that will appeal to those who ride daily.

Rental reimbursement allows riders to rent a new vehicle after an accident or breakdown. Towing coverage means you won't be stranded if something happens. Allstate also offers coverage for your trailer and optional added equipment coverage.

Allstate has strong ratings, both from AM Best and the National Association of Insurance Commissioners (NAIC) complaint index. The company receives 13% fewer complaints than would be expected for a company of its size, according to the NAIC. AM Best gave it an A+ for financial stability.

The primary drawback with Allstate is an average annual rate of $108 per month for full coverage in Louisiana. That's $13 per month more than the state average. However, Allstate is cheaper than Dairyland, which offers some of the same coverage options.

How we chose the best motorcycle insurance in Louisiana

We evaluated three characteristics to decide the best motorcycle insurance provider in Louisiana. The best motorcycle insurance companies evoke these qualities:

It's important that your motorcycle insurance comes with sufficient coverage so that you don't need to purchase extra endorsements, but your premiums should be affordable enough that you can buy practical add-ons if you want them or your needs change. Finally, your insurer should quickly and fairly respond to your claims.

Affordability: Comparing motorcycle rates in Louisiana

Cost is often one of the most important factors considered by people shopping for motorcycle insurance. With this in mind, we collected rates for addresses across Louisiana to understand the typical cost of coverage in the state.

Two riders insuring the same motorcycle may be quoted different rates depending on each motorcyclist's driving history, type of bike and desired coverage limits. This means that if your profile is different from the profile we used to obtain quotes, your rates may also vary.

The rate information we compiled came from quotes requested from a 45-year-old sample rider who owns a home and has been riding motorcycles for 20 years. Our sample bike was a 2021 Harley-Davidson FLHX Street Glide.

We sourced our quotes for more coverage than the insurance legally required by Louisiana, insuring the bike itself in addition to bodily injury and property damage liability coverages. The limits we gathered rates for are:

Coverage options: Assessing motorcycle insurance policies and features

All of the motorcycle insurance companies we've highlighted offer more than enough coverage to put you in compliance with Louisiana's insurance laws, along with extras you can use to supplement your policy.

Before deciding on a motorcycle insurance provider, consider whether each insurer's basic and extra coverages are practical, as well as whether a provider gives you the flexibility to change your coverage as your needs change over time.

We've visualized the forms of coverage offered by the motorcycle insurance providers we collected quotes from in the table below.

Customer service: Considering insurer quality in service and claims satisfaction

We checked the measurements given by two groups to assess the customer service quality and financial strength of motorcycle insurance providers in Louisiana. These are the complaint index, published by the National Association of Insurance Commissioners, and AM Best's financial strength rating (FSR).

NAIC complaint index: The NAIC compares the number of complaints a motorcycle insurance provider is responsible for with its market share, or size. The complaint index shows how an insurer's number of complaints compares to its size: A complaint index of more than 1.0 signifies that a provider gets more complaints than its size would suggest.

AM Best financial strength rating: Credit-rating agency AM Best grades the ability of insurers to meet their financial obligations, such as paying claims to their policyholders, especially in the event that an economic recession or far-reaching natural disaster were to occur. Most companies score well in AM Best's evaluation, but it can help you rule out weaker insurers.

Louisiana motorcycle insurance by city

We averaged the cost of motorcycle insurance in cities and towns across Louisiana using the quotes we requested for this survey. We've put this information into the table below, along with how each location's average cost stacks up to Louisiana's average cost of coverage.

Louisiana motorcycle insurance requirements

Louisiana requires its motorcyclists to carry motorcycle insurance. Along with most states, Louisiana requires its motorcyclists to carry liability coverage for bodily injury and property damage. Additionally, you must get uninsured/underinsured motorist insurance, which covers your vehicle against damage caused by other drivers.

Below are Louisiana's motorcycle insurance requirements:

How do you get a motorcycle license in Louisiana?

You have to get a Class M motorcycle endorsement to ride in Louisiana. Unlike many other states, Louisiana doesn't have a separate motorcycle license. Instead, you're required to have a regular driver's license before you can qualify for a Class M endorsement.

If you have a learner's permit, you can also get a motorcycle endorsement. You're only allowed to practice driving within three miles of your home, and you must complete a written test along with a skills test.

All drivers must complete written and skills tests to acquire a Class M motorcycle endorsement. However, you can test out of both by taking other approved courses instead. If you sign up for the motorcycle safety test conducted by the state's Department of Public Safety, for example, you can avoid taking the regular skills or written test.

Methodology

We collected 108 quotes from ZIP codes throughout Louisiana for a 45-year-old male homeowner who is insuring a 2021 Harley-Davidson FLHX Street Glide. Our sample rider also carries two decades of experience riding motorcycles. Each of these elements will influence your quoted price.