The Best Cheap Motorcycle Insurance in Louisiana
Dairyland has the cheapest quotes for motorcycle insurance in Louisiana with an average rate of $22 per month.
Compare Motorcycle Insurance Quotes in Louisiana
To help you find the best cheap motorcycle insurance in Louisiana, ValuePenguin compared quotes from six top companies across 27 of the largest cities in Louisiana.
We ranked the best motorcycle insurance companies in Louisiana based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.
The best cheap motorcycle insurance companies in Louisiana
The average cost of motorcycle insurance in Louisiana is $44 per month, making the state one of the 10 most expensive places to purchase coverage in the country.
The most affordable option is Dairyland, at $22 per month. And Geico was the most expensive, at $60.
That's about 33% more each month than what motorcycle insurance costs in the rest of the country.
Compare Motorcycle Insurance Quotes in Louisiana
Dairyland and Harley-Davidson are the two cheapest options for motorcycle insurance in Louisiana.
Cheapest motorcycle insurance companies in Louisiana
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Harley-Davidson | $30 | |
| Progressive | $45 | |
| Markel | $51 | |
| Allstate | $57 | |
Best for most riders in Louisiana: Harley-Davidson
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Editor rating
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Monthly rate
$30 ?
Pros and cons
Harley-Davidson motorcycle insurance is the top overall pick for a company with affordable rates, dependable customer service and lots of coverage options.
Harley-Davidson's average price is $30 per month — 31% less than average.
Harley-Davidson also receives far fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Harley-Davidson has lots of specialized coverage options, including rental reimbursement, extra coverage for equipment and roadside assistance. It has plenty of discounts available, too.
The biggest drawback to Harley-Davidson is that it doesn't offer other kinds of insurance. You're missing out on a bundle discount you might find at another insurer, plus the convenience of having a single insurer.
Most affordable motorcycle insurance in LA: Dairyland
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Editor rating
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Monthly rate
$22 ?
Pros and cons
Dairyland's rates for motorcycle insurance are the cheapest in Louisiana, averaging $22 per month for full coverage.
That's 51% less than the state average.
However, Dairyland's service and coverage options are fairly mediocre, so it may be less appealing for people who expect a lot from their motorcycle insurer.
Dairyland receives more than twice as many complaints as a typical insurance company. That suggests customers are quite likely to be unhappy with the service they receive.
Dairyland has only a few extra coverage options for motorcycle riders. It offers rental reimbursement after a crash and protection for special motorcycle equipment, but it doesn't offer things like trip interruption coverage or protection for trailered bikes. People who take regular road trips should consider a company with these options, like Progressive.
Best motorcycle insurance for bundling: Progressive
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Editor rating
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Monthly rate
$973 ?
Pros and cons
Progressive is a great option for riders who want to bundle their motorcycle insurance policy with their auto, home or renters insurance. Progressive offers coverage in all these areas, alongside great options for motorcycle riders.
Motorcycle insurance from Progressive costs an average of $45 per month in Louisiana. That's $1 more per month than the average rate but more than double the cheapest average rate. Progressive includes $3,000 of custom property protection and replacement cost coverage as part of standard coverage. You could upgrade your policy by adding:
- Total loss protection for motorcycles that are less than one year old or two years old upon renewal
- Original equipment manufacturer (OEM) parts coverage with comprehensive coverage
- Roadside assistance, including $500 for food and lodging if you break down
- $250 per week for up to two years if you're injured on your bike
- Up to $25,000 to your family if you're killed riding your motorcycle
Progressive's customer service is also highly rated. Customers at Progressive are about 40% less likely to file a complaint than those at a competing insurer, according to the NAIC. That suggests customers are usually happy with the service they receive.
Louisiana motorcycle insurance by city
Kenner is the most expensive place for motorcycle insurance in the state, where coverage costs about $53 per month on average.
Monroe, on the other hand, is the cheapest major city for motorcycle insurance. There, a policy costs just $39 per month.
You're likely to pay more for motorcycle insurance if there are more insurance claims made in your area than in other parts of the state. That might be because of narrow or poorly maintained roads or higher rates of theft.
City | Monthly cost | % from average |
|---|---|---|
| Alexandria | $41 | -8% |
| Baker | $45 | 2% |
| Baton Rouge | $46 | 5% |
| Bogalusa | $43 | -2% |
| Bossier City | $46 | 5% |
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. The limits are often written as 15/30/25.
Coverage type | Required limit |
|---|---|
| Bodily injury liability | $15,000 per person/$30,000 per accident |
| Uninsured/underinsured motorist | $15,000 per person/$30,000 per accident |
| Property damage liability | $25,000 |
Additionally, you must get uninsured/underinsured motorist insurance, which covers your vehicle against damage caused by other drivers.
How do you get a motorcycle license in Louisiana?
You have to get a Class M motorcycle endorsement to ride a motorcycle in Louisiana — which requires you to get a standard driver’s license first.
Unlike many other states, Louisiana doesn't have a separate motorcycle license.
Drivers who still have a learner's permit 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 approved courses instead. The Louisiana State Police offer a course, or you can take a private class.
Compare motorcycle insurance in Louisiana vs other states
Methodology
To find the best cheap motorcycle insurance in Louisiana, ValuePenguin collected more than 160 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.