Who Has The Cheapest Motorcycle Insurance Quotes In Louisiana?

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Once part of the French Colonial Empire, Louisiana is known for its eclectic culture and many festivals, such as Mardi Gras. It's also known for its swamplands, beaches and barrier islands and frequent thunderstorms, hurricanes and flooding. To see which motorcycle riders have the best insurance rates, we gathered motorcycle insurance quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive place for the sample policy was more than 2x the cost of the cheapest in Louisiana. 

Cheapest Motorcycle Insurance in Louisiana

Although data was only available from two companies that offer motorcycle insurance, it is telling of quotes in the state of Louisiana. GEICO motorcycle insurance quotes for our sample policy and rider were much cheaper than those for Progressive – more than 4x as much. The average motorcycle quote for the sample policy and rider from GEICO was $304 and the average quote from Progressive was $1,488. 

Though data for only two companies was available, ValuePenguin found GEICO quotes for a sample policy and rider were much less expensive than Progressive's.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Louisiana: By City

The five places in Louisiana with the best motorcycle insurance premiums were located all over the state. Unlike homeowners or renters insurance, the price of motorcycle insurance premiums is not as dependent on geography as the policyholder and covered property (in this case, a motorcycle). For that reason, the five places are scattered. The place with the most affordable rates was Morgan City, where premiums were 47.7% lower than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Morgan $469 -47.7%
2 Natchitoches 619 -30.9%
3 Monroe 809 -9.7%
4 West Monroe 809 -9.7%
5 Alexandria 848 -5.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Morgan City, LA

Morgan City sits on the banks of the Atchafalaya River in South Louisiana. Its popular annual Shrimp and Petroleum Festival is well-attended and earned it the title “Jumbo Shrimp Capital of the World.” Over 12,000 people live in Morgan City, which had the cheapest motorcycle insurance rates in Louisiana. Quotes for our sample policy were 47.7% lower rates than the state average.

Natchitoches, LA

Natchitoches is the oldest town in Louisiana and located in the northwest region of the state. It’s known for its historic European-style architecture that includes wrought iron, stucco and red brick abodes. Natchitoches was named one of the Top Six Places in the United States To Retire. Motorcycle insurance quotes there were 30.9% lower than the state average, much to the delight of riders amongst its 18,000 residents.

Monroe, LA

In northern Louisiana is Monroe, the eighth largest city in the state. Monroe is home to several museums, including a children’s museum, an aviation and military museum, and an African-American heritage museum. Monroe is home to more than 50,000 residents and has some of the lowest motorcycle insurance rates. Quotes for our sample property were 9.7% less than the Louisiana average.

West Monroe, LA

West Monroe is on a bank of the Ouachita River, across from the neighboring city, Monroe. Together, the cities are popularly called “The Twin Cities,” although the term is most commonly associated nationally with Minneapolis and Saint Paul in Minnesota. What sets West Monroe has been lauded for its green spaces, antique alleys and restoration parks enjoyed by its 13,000 residents. Motorcycle insurance rates were 9.7% lower than the state average.

Alexandria, LA

Alexandria is near the center of Louisiana. It is well-known for hosting the annual Mardi Gras Krewes Parade that draws many visitors to the city. The community of 47,000 residents and visitors alike enjoy the family event that includes bands and floats. Motorcycle insurance rates in Alexandria were 5.4% lower than the state average. 

Most Expensive Motorcycle Insurance in Louisiana

The five places with the most expensive motorcycle insurance in Louisiana were all located in the southern half of the state and included some of the state’s largest cities. The place with the most expensive motorcycle insurance rates was New Orleans, where premiums quoted were 22.8% higher than the state average. 

RankCityAverage Annual Rate% Difference vs State Average
1 New Orleans $1,100 22.8%
2 Kenner 1,078 20.3%
3 Gretna 1,078 20.3%
4 Hammond 1,050 17.2%
5 Lafayette 949 5.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

New Orleans, LA

New Orleans is at the center of the largest metropolitan area in the state of Louisiana. It is well known for its distincts and Creole architecture, cross-cultural heritage, cuisine, music and its annual Mardi Gras festival. Nearly 370,000 people live there and if they have a bike, probably pay more than most to insure it. Quotes for our sample property were 22.8% higher than the state average.

Kenner, LA

Kenner, the sixth largest city in Louisiana, has about 67,000 residents. The main commercial airport for the New Orleans metropolitan area is in Kenner, but it also stand out for its own historic district, museums, shops and cultural. Motorcycle insurance rates in Kenner were 20.3% higher than the state average. 

Gretna, LA

The city of Gretna is on the west bank of the Mississippi River, across from uptown New Orleans. The Gretna Heritage Festival, Art Walk, and Farmer’s Market are popular among the nearly 18,000 residents. The city is known to be a family-friendly environment for tourists and locals. Motorcycle insurance rates in Gretna were 20.3% higher than the state average.

Hammond, LA

Hammond is 45 miles east of Baton Rouge. This city is intersected by Interstates 12 and 55, an airport and railroads that lead to Port Manchac. The combination of transportation methods has transformed Hammond from a strawberry capital to a transportation capital. Motorcycle insurance rates in Hammond were 17.2% higher than the state average.

Lafayette, LA

Lafayette sits along the Vermillion River in southwest Louisiana. It is the fourth largest city in the state, with a population of over 123,000. Lafayette, considered the center of Cajun and Creole culture, prides itself for being the home of authentic buildings. Motorcycle insurance quotes in Lafayette were some of the least affordable in Louisiana. Premiums quoted for our sample policy were 5.9% higher than the state average. 

Average Motorcycle Insurance Rates In Louisiana: By City

This comparative study of motorcycle insurance premiums in Louisiana was done by gathering and analyzing quotes from five major carriers across 28 cities. Our analysis showed premiums quoted for the most expensive was more than 2x the cost of the cheapest. Across the 28 cities and towns we included in our survey, our sample 45 year old rider saw an average annual cost of $896 for his motorcycle insurance policy.

A ValuePenguin study found the average motorcycle insurance quote in Louisiana was $896 for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 28 municipalities and census-designated places in the state of Louisiana. The quotes we gathered were from two major carriers: Progressive and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
5 Alexandria $848 -5.4%
17 Baker 921 2.8%
20 Baton Rouge 935 4.4%
18 Bogalusa 927 3.5%
13 Bossier City 894 -0.3%
16 Crowley 914 2.0%
27 Gretna 1,078 20.3%
25 Hammond 1,050 17.2%
8 Houma 875 -2.4%
26 Kenner 1,078 20.3%
23 Lafayette 949 5.9%
11 Lake Charles 892 -0.5%
Louisiana Average 896 0.0%
19 Mandeville 927 3.5%
10 Minden 880 -1.8%
3 Monroe 809 -9.7%
1 Morgan 469 -47.7%
2 Natchitoches 619 -30.9%
24 New Iberia 949 5.9%
28 New Orleans 1,100 22.8%
22 Opelousas 941 5.0%
6 Pineville 848 -5.4%
7 Ruston 866 -3.4%
14 Shreveport 898 0.2%
15 Slidell 913 1.9%
12 Sulphur 892 -0.5%
9 Thibodaux 875 -2.4%
4 West Monroe 809 -9.7%
21 Zachary 935 4.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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