The Best Cheap Motorcycle Insurance in Louisiana
Dairyland has the cheapest quotes for motorcycle insurance in Louisiana, at $22 per month, on average.
Find Cheap Motorcycle Insurance Quotes in Louisiana
Best cheap Louisiana motorcycle insurance
How we chose the top companies
Best cheap motorcycle insurance companies in Louisiana
Dairyland has the most affordable motorcycle insurance in Louisiana.
At $22 per month, full coverage motorcycle insurance from Dairyland is around half the average price in Louisiana.
Find Cheap Motorcycle Insurance Quotes in Best for discounts
The average cost of motorcycle insurance in Louisiana is $43 per month. That's 33% more each month than what motorcycle insurance costs in the rest of the country.
Cheapest motorcycle insurance quotes in Louisiana
Company | Monthly rate | ||
|---|---|---|---|
| Dairyland | $22 | |
| Harley-Davidson | $30 | |
| Progressive | $45 | |
| Allstate | $57 | |
| Geico | $60 | |
Best for cheap rates: Dairyland
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Editor's rating
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Cost: $22/month
Dairyland has the most affordable motorcycle insurance in Louisiana, at just $22 per month. That's around half the state average, and $8 per month less than the second-cheapest company, Harley-Davidson.
Dairyland also has a few discounts to help you save money on motorcycle insurance, like a discount for switching from another insurance company, owning your home or belonging to a motorcycle group, like H.O.G.
But Dairyland doesn't offer some common discounts, like savings for paying your bill up front or making automatic payments. And because you can't insure your car or home with Dairyland, you won't get a bundling discount.
Dairyland's service and coverage options are fairly mediocre.
It gets nearly twice as many complaints as a typical insurance company. Most complaints are about Dairyland's slow claims process, which means it will likely take longer to get back on the road after an accident.
Dairyland has only a few extra coverage options for motorcycle riders. It offers rental reimbursement after a crash and roadside assistance. These coverages are important if you use your motorcycle as your main vehicle because they can help keep your life on track after an emergency.
But, Dairyland doesn't offer options 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 discounts: Harley-Davidson
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Editor's rating
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Cost: $30/month
Harley-Davidson's average price is $30 per month, which is 30% less than the Louisiana average.
While that's still $8 per month more than Dairyland, its many discounts may make Harley-Davidson the cheapest option for some people.
You can save money on Harley-Davidson insurance by:
- Having a motorcycle endorsement on your driver's license
- Owning your home
- Being an experienced rider
- Installing an anti-theft device on your bike, like an audible alarm
- Belonging to the Harley Owners' Group (H.O.G)
- Completing an H-D Riding Academy course
- Regularly making your payments on time
- Owning a brand-new motorcycle
- Avoiding accidents
- Insuring more than one motorcycle with Harley
- Buying other policies from Harley-Davidson, like a planned maintenance policy
- Being a current or former member of the military or law enforcement
Harley-Davidson also has lots of specialized coverage options, including rental reimbursement, extra coverage for equipment and roadside assistance. It also has helpful add-ons for people who travel, like trip interruption coverage.
The biggest drawback to Harley-Davidson is that it gets 64% more complaints than similar insurance companies. That means it may take longer for your life to go back to normal after an accident.
In addition, Harley-Davidson doesn't offer other kinds of insurance. You're missing out on a bundling discount you might find at another company, like Progressive. Plus, you won't have the convenience of working with a single insurance company.
Best for extra coverage: Progressive
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Editor's rating
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Cost: $45/month
Full coverage motorcycle insurance from Progressive costs an average of $45 per month in Louisiana. That's $2 per month more per month than the average rate but more than double the rate of the cheapest company, which is Dairyland.
However, a full coverage policy from Progressive includes:
- Replacement cost coverage for parts, which means Progressive will pay you enough to fix your bike to its original condition, regardless of any wear and tear prior to your accident.
- Original manufacturer equipment coverage, what guarantees Progressive will fix your motorcycle using parts from the original manufacturer, versus cheaper after-market parts.
- $3,000 of custom parts protection for things like custom handlebars or an after-market stereo system.
Most companies charge extra for these coverages. So, if you need this protection, it could help make Progressive's rates more competitive.
In addition, you can upgrade your policy by adding:
- Total loss protection for motorcycles less than one year old
- 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 also offers a number of discounts to help make its insurance more affordable. It's a great option for riders who want to bundle their motorcycle insurance policy with their auto, home or renters insurance, because you'll earn a discount on both policies.
Progressive's customer service is highly rated. Customers at Progressive are about one-third less likely to file a complaint than those at a competing company, according to the NAIC. That suggests customers are usually happy with the service they get from Progressive.
Louisiana motorcycle insurance by city
Kenner and Gretna have the most expensive motorcycle insurance compared to other large cities in Louisiana.
People living in these areas pay an average of $50 per month for full coverage motorcycle insurance.
Monroe is the cheapest major city in Louisiana for motorcycle insurance. There, a policy costs just $37 per month.
Average cost of LA motorcycle insurance by city
City | Monthly cost | % from average |
|---|---|---|
| Alexandria | $39 | -9% |
| Baker | $44 | 3% |
| Baton Rouge | $44 | 3% |
| Bogalusa | $42 | -1% |
| Bossier City | $46 | 7% |
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.
Louisiana motorcycle insurance requirements
Louisiana requires motorcyclists to have an insurance policy with at least 15/30/25 in liability coverage.
- Bodily injury liability: $15,000 per person and $30,000 per accident
- Property damage liability: $25,000 per accident
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 means you must have a standard driver’s license first.
Unlike many other states, Louisiana doesn't have a separate motorcycle license.
You must complete written and skills tests to get a Class M motorcycle endorsement. However, you can test out of both by taking approved courses instead. The Louisiana State Police offers a course, or you can take a private class.
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.
Frequently asked questions
How much is motorcycle insurance in Louisiana?
The average cost of motorcycle insurance in Louisiana is $33 per month. That's $10 per month more than the national average.
Do you need motorcycle insurance in Louisiana?
Yes, you must have motorcycle insurance to ride legally in Louisiana. Riders must get a policy with at least $15,000 of bodily injury liability coverage per person and $30,000 per accident. You must also have $25,000 of property damage liability coverage.
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
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
