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. We found the cheapest monthly rate for motorcycle insurance in Louisiana to be just $46.
Compare Motorcycle Insurance Quotes from Providers in Louisiana
After obtaining quotes from across Louisiana, we determined some of the best motorcycle insurance companies in the state. You can get a motorcycle insurance quote for a provider near you by using our quote box tool, or continue reading our analysis of the top companies in Louisiana.
Best motorcycle insurance for most people: Geico
- By far the cheapest insurer in the state, on average
- High bodily injury and property damage liability limits
- Few available endorsements compared to competitors
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's prices remain reasonable for many bike owners.
A standard motorcycle insurance policy from Geico costs about $46 per month, which is about half of the state's average cost of coverage. We did not find another provider that quoted a price of less than $100 per month.
You can further reduce the price of your motorcycle insurance with Geico by qualifying for discounts. The most effective way of saving is if you have 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.
Geico motorcycle insurance comes with the conventional protections offered by most other insurers, including enough liability protection to satisfy Louisiana's legal minimums. However, you can also customize your limits by increasing your protection to up to $300,000 per incident and up to $100,000 for property damage — both the highest among competitors in the state.
If you want more coverage, you can supplement your policy with up to $20,000 of 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
- Offers the widest range of features
- On average, has the highest rates in Louisiana
Progressive motorcycle insurance has the best coverage for riders who want to maximize their bike's coverage. Despite the high quality of its features, Progressive won't be a great fit for casual riders or new motorcycle owners because of its expensive rates.
Motorcycle insurance from Progressive costs an average of $139 per month in Louisiana, about 40% more expensive than the state's average cost of motorcycle insurance. Progressive includes a few types of coverage in the price of its policies, including $3,000 of custom property protection and replacement cost 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
- 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
Although Progressive has the most expensive 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 customer service: State Farm
- Excellent customer service from a large national provider
- Policyholders can upgrade with a few practical endorsements
- Requires you to contact an agent for detailed policy and rate information
Louisianians who prize customer service should consider State Farm motorcycle insurance. State Farm's customer service is highly regarded according to both the National Association of Insurance Commissioners (NAIC) and J.D. Power.
The NAIC's complaint index indicates that State Farm receives 43% fewer complaints than normal given its market share. Other motorcycle insurance companies have better complaint indexes than State Farm, but none also has better scores on J.D. Power's Auto Insurance Study, where State Farm is ranked sixth in the southeastern United States.
State Farm motorcycle insurance comes with protections that are offered by many other motorcycle providers, including bodily injury and property liability, comprehensive and collision. You can add roadside assistance and repair protection, $3,000 of protective gear coverage and $500 for expenses like lodging and rental reimbursement if you're stranded and your bike breaks down.
Unfortunately, State Farm motorcycle insurance requires you to contact an agent near you to get rates and detailed policy information for your area, including discounts offered. Depending on your area and the price you're quoted, State Farm could be a good fit for you.
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:
- Affordability: The price customers commonly pay for motorcycle insurance in Louisiana
- Coverage options: The range of features offered by one provider compared to another
- Customer service: The reputation an insurer has for meeting the needs of its policyholders
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.
The average cost of motorcycle insurance in Louisiana is $98 per month, making the state one of the most expensive places to purchase coverage in the country. We found that this is about $40 more per month than what motorcycle insurance usually costs in the rest of the country.
Average cost (per month)
Average cost (annual)
% difference from statewide average
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 profile, who owned a home and had been riding motorcycles for 20 years. Our sample bike was a 2019 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 liability coverages. The limits we gathered rates for are:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000 per accident
- Collision coverage: Included/$500 deductible
- Comprehensive coverage: Included/$500 deductible
- All other coverages: Not included
Compare Motorcycle Insurance Quotes from Providers in Louisiana
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 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've called out in the table below. Here, we've included Dairyland, though we didn't highlight its service or rates above.
Maximum liability limit
Replacement cost coverage
OEM parts replacement
†-Indicates that coverage is included with the purchase of a standard motorcycle insurance policy
Customer service: considering insurer quality in service and claims satisfaction
We checked the measurements given by three groups to assess the customer service quality of motorcycle insurance providers in Louisiana. These are: the complaint index, published by the National Association of Insurance Commissioners; the scores awarded to each motorcycle insurance company on J.D. Power's U.S. Auto Insurance Study of the southeast; and A.M. Best's Financial Strength Ratings.
NAIC complaint index
J.D. Power survey score (of 17)
A.M. Best Financial Strength Rating
|LA Farm Bureau||0.07||Not rated||A+|
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 complaints measure with its size: A complaint index of less than 1.0 signifies that a provider gets more complaints than its size would suggest.
J.D. Power Auto Insurance Study: J.D. Power concocts an overall assessment for insurance companies by grading elements of service, including interaction, claims service and price. The study we referred to ranks 17 insurance providers in the southeastern U.S., including Louisiana.
A.M. Best Financial Strength Ratings: Credit-rating agency A.M. 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 A.M. 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 into the table below, along with how each location's average cost stacks up to Louisiana's average cost of coverage.
Monroe is the cheapest place for motorcycle insurance in the state, where coverage costs about $87 per month on average. Gretna, on the other hand, is the most expensive city for motorbike insurance.
City (by population)
Average cost (per month)
% different from statewide average
Louisiana motorcycle insurance requirements
Louisiana requires its drivers to carry motorcycle insurance like its automobile drivers. Along with most states, Louisiana requires its motorcyclists to carry liability coverage for bodily injury and property damage. Additionally, you must also get un- and underinsured motorist insurance, which covers your vehicle against damage caused by other drivers.
Below are Louisiana's motorcycle insurance requirements:
|Bodily injury liability||$15,000 per person / $30,000 per accident|
|Un-/underinsured motorist||$15,000 per person / $30,000 per accident|
|Property damage liability||$25,000|
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.
We collected 73 quotes from ZIP codes throughout Louisiana for a 45-year-old homeowner who's insuring a 2019 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.