Best & Cheapest Motorcycle Insurance in Louisiana 2024
Budget-conscious customers will appreciate Harley-Davidson (Sentry Insurance) for its competitive $44 monthly rate, the cheapest available.
It can be hard to find the right motorcycle insurance in Louisiana. However, you’re in the right place to figure this out. Based on our experience, the best provider offers a perfect combination of coverage and customer service.
In my 15 years in the insurance industry, I’ve seen the fallout from neglecting quality motorcycle insurance. It’s more than a legal issue; it’s about protecting your investment.
Drawing from years of knowledge, our guide is designed to help you avoid pitfalls and select the most reliable and cost-effective options for your ride.
Best Motorcycle Insurance In Louisiana 2024
Compare The Best Motorcycle Insurance Companies In Louisiana
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Our Methodology
I identified the top motorcycle insurance in Louisiana by using impartial information from AM Best for financial stability and J.D. Powers for customer satisfaction. Moreover, I considered insights from various consumer review platforms and my own background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Best Motorcycle Insurance Companies in Louisiana
Best Overall
Key Statistics
Why We Like Them
⇅Harley Davidson is the best overall option for motorcycle insurance in Louisiana, featuring robust policies and excellent service from Sentry Insurance. This partnership offers a unique advantage.
Sentry, a well-known and respected insurance company, backs Harley Davidson’s policies, ensuring dependable service and a solid financial base for policyholders. Their A+ rating from AM Best highlights Sentry’s strength in fulfilling policyholder commitments.
Harley Davidson’s insurance, backed by Sentry’s expertise, is designed for Louisiana’s diverse riding conditions. Offering extensive coverage and customer-focused services, these policies are a smart investment for motorcyclists.
Harley Davidson’s tailored insurance solutions and Sentry’s proven expertise make it the best motorcycle insurance option in the state.
Benefits & Drawbacks
⇅- Tailored insurance options for motorcyclists
- Backed by financially stable and reliable Sentry Insurance
- Numerous discounts and rewards for safe riders and H.O.G. members ✓
- Some may not prefer coverage by a third-party insurer
- More beneficial for Harley Davidson owners than other brands
- Limited availability in certain regions ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO is highly recommended for bundling insurance in Louisiana, especially with motorcycle policies. Their reputation for competitive rates across various insurance types makes them a favorite for Louisiana’s motorsyclists looking to combine policies.
GEICO sets itself apart by offering seamless integration of multiple policies, including motorcycle, auto, and home insurance. This simplifies the management process and often results in significant savings for policyholders.
Besides offering cost-effective insurance, GEICO is renowned for its user-friendly experience. Their digital platforms, such as an extensive website and a top-rated mobile app, make managing policies easy. Additionally, GEICO’s customer service is consistently highly rated, providing efficient assistance whenever needed.
Motorcyclists in Louisiana benefit from easy access to policy information and straightforward claims processing. The combination of affordability, convenience, and reliable customer service makes GEICO the best choice for bundling insurance in Louisiana.
Benefits & Drawbacks
⇅- Competitive pricing and a variety of discounts available
- User-friendly online tools and a mobile app simplify policy management
- Efficient claims processing and strong customer service reputation ✓
- Coverage options might be less specialized for motorcycles compared to providers focusing solely on motorcycle insurance
- Some customers report inconsistent customer service experiences
- Policy customization options may be fewer compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅USAA ranks as the top motorcycle insurance option for military members, offering specialized services and a trusted partnership. By understanding the unique needs of the military community, USAA has chosen Progressive, an A+ (Superior) rated company, to handle coverage and claims. This strategic collaboration merges Progressive’s motorcycle insurance expertise with USAA’s dedication to serving military personnel and their families.
USAA’s partnership with Progressive ensures members receive specialized motorcycle insurance with financial stability and expertise. Furthermore, J.D. Powers’ highest rating for USAA in customer service reflects its dedication to excellence and customer satisfaction.
Military personnel benefit from this partnership through efficient service, quick claims processing, and policies designed for the unique aspects of military life. The collaboration between USAA and Progressive ensures military riders receive a reliable, comprehensive insurance solution tailored to their circumstances.
Benefits & Drawbacks
⇅- Tailored services and discounts aimed at military members and their families
- Coverage and claims are managed by Progressive, experts in motorcycle insurance
- USAA provides top-notch customer service, ensuring a responsive and supportive experience ✓
- Membership with USAA is restricted to military members, veterans, and their families, not available to the general public
- Some policyholders might prefer dealing directly with a single insurer instead of a partnership arrangement
- Coverage options and benefits might be more generic due to being part of a non-specialized insurance portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅Allstate is a top choice for motorcycle insurance in Louisiana, renowned for its exceptional customer service. With a focus on personalized care, Allstate ensures each policyholder receives the tailored attention they require. This is crucial for motorcyclists, whose needs differ significantly from those of standard auto insurance clients.
In Louisiana, Allstate’s agents are a critical resource for the biking community. Their knowledge of the state’s road laws and biking culture goes beyond mere insurance advice. Allstate’s online and mobile platforms also ensure 24/7 policy and claims access.
Allstate excels in Louisiana motorcycle insurance with their expert local agents, efficient online tools, and strong commitment to customer satisfaction.
Benefits & Drawbacks
⇅- Extensive coverage options and customizable policies to suit individual requirements.
- Access to local agents offering personalized service and knowledge of regional insurance needs.
- A variety of discounts available, including those for safe riding and multiple policies. ✓
- Premiums may be higher than some other insurance providers.
- Discounts and policy options can vary widely based on personal circumstances.
- Policies may be more suitable for casual rather than professional or competitive riders. ✘
Cheapest Motorcycle Insurance Companies In Louisiana For Minimum Coverage
We found that USAA (Progressive) offers the lowest rates for minimum coverage in Louisiana at just $10 per month.
The term “cheapest minimum coverage for motorcycle insurance in Louisiana” means the lowest-cost insurance policies that comply with the state’s legal requirements for motorcycle riders. These typically cover basic liability for injuries and damages the rider may cause to others in an accident.
Insurance rates in this category are significantly influenced by driving history. A clean driving record generally leads to lower premiums since insurers view these riders as lower risk. Conversely, a record of accidents or traffic violations can result in higher premiums, as insurers see these individuals as more likely to be involved in future incidents.
It’s worth mentioning that having an accident can seriously impact your insurance rate because it implies a higher likelihood of expensive claims for the insurance company. This risk assessment directly affects the cost of minimum coverage insurance in Louisiana.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| Progressive | $122 |
| Geico | $127 |
| Allstate | $135 |
| Dairyland | $146 |
Cheapest Motorcycle Insurance In Louisiana For Full Coverage
Our detailed investigation uncovered that Harley-Davidson (Sentry) offers the cheapest full coverage motorcycle insurance in Louisiana, priced at $44 monthly.
The phrase “cheapest full coverage for motorcycle insurance in Louisiana” describes the most affordable options for insurance policies that surpass the state’s minimum liability criteria. Full coverage typically involves comprehensive and collision insurance, providing extensive protection against various events like accidents, theft, vandalism, and natural disasters.
A rider’s driving history is a significant determinant of insurance rates in this category. Typically, riders with clean records enjoy lower premiums as insurers view them as lower risk.
However, a record of accidents or traffic violations often leads to higher rates since insurers perceive these riders as posing a higher risk. Specifically, being in an accident can substantially hike your rate as it raises the insurer’s anticipation of future claims.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $44 |
| Geico | $47 |
| Progressive | $51 |
| Allstate | $54 |
| Nationwide | $57 |
Average Cost Of Motorcycle Insurance In Louisiana
The standard monthly expense for full coverage motorcycle insurance in Louisiana amounts to $49.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $44 |
| Geico | $47 |
| Progressive | $51 |
| Allstate | $54 |
| Nationwide | $57 |
Average Cost Of Motorcycle Insurance In Louisiana – By City
In Louisiana, your city will influence your motorcycle insurance premiums. Riders in larger cities usually face higher rates than those in rural areas due to the higher accident rates in more populated zip codes.
The following ten cities have the lowest motorcycle insurance rates in Louisiana:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Shreveport | $58 |
| 2 | Bossier City | $60 |
| 3 | Monroe | $62 |
| 4 | Alexandria | $64 |
| 5 | Natchitoches | $66 |
| 6 | Opelousas | $68 |
| 7 | Ruston | $70 |
| 8 | New Iberia | $72 |
| 9 | Sulphur | $74 |
| 10 | Hammond | $76 |
Do You Need Motorcycle Insurance In Louisiana?
It’s not just important to have motorcycle insurance in Louisiana; it’s a legal mandate. The state requires all motorcycle riders to carry at least the minimum insurance coverage to legally operate on public roads, ensuring financial accountability for any damages or injuries in an accident.
In Louisiana, minimum insurance coverage includes liability insurance, covering bodily injury and property damage you may cause to others in an accident. The law mandates at least $15,000 for injury/death to one person, $30,000 for injury/death to multiple people, and $25,000 for property damage. However, this basic coverage does not protect the rider’s own injuries or damages to their motorcycle.
For broader protection, riders often consider adding coverages such as collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage pays for motorcycle damages in accidents, while comprehensive covers non-collision-related incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is especially important in Louisiana, where many drivers may not have enough insurance.
While minimum insurance is legally required, riders should evaluate their specific needs considering their motorcycle’s value, riding habits, and financial status. Failing to carry the required insurance can result in penalties such as fines, license suspension, and impoundment of the motorcycle.
How To Get A Motorcycle Insurance Quote
Obtaining a motorcycle insurance quote is a hassle-free process that involves the following steps:
Gather Your Personal Information: Ensure you have your personal information ready before you begin. This includes your full name, address, date of birth, and driver’s license number, plus details about any additional riders who might use the motorcycle.
Collect Your Motorcycle’s Details: Have specific details about your motorcycle ready before you start, such as the make, model, year, engine size, and vehicle identification number (VIN). Additionally, if you’ve made any modifications or have specific safety features, ensure you have those details readily available, as they can impact your quote.
Determine Your Insurance Needs: Think about the coverage you require, including deciding on liability limits and whether you want additional coverage like comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers: Research insurance companies specializing in motorcycle insurance, scrutinizing their reputation, customer service reviews, and financial stability.
Get Quotes: You can ask for quotes online, by phone, or in person. Give the required information to the insurance provider. Online forms are a fast and convenient way to get several quotes. (Insuranceopedia provides multiple quotes, simplifying the selection process.)
Compare Quotes: Once you have a few quotes, compare them by considering price, coverage options, deductibles, and any exclusions or limitations. Ensure that the coverages are consistent across different quotes.
Ask About Discounts: Ask about potential discounts that you might qualify for, including safe driving, bundling multiple policies, or completing motorcycle safety courses.
Review Quotes and Select a Policy: Look over all the details and pick the policy that provides the best blend of price and coverage for your needs.
Provide Additional Information and Make Your Purchase: Once you’ve selected a provider, additional information or documentation may be required. Go over the policy details, make the first payment, and get your proof of insurance.
Bear in mind, the least expensive quote may not be the best option. Look at the value of the coverage you receive for the price.
FAQs
How much is motorcycle insurance in Louisiana?
Louisiana motorcyclists pay an average of $49 per month for full coverage motorcycle insurance.
Who is the cheapest motorcycle insurance company in Louisiana?
In Louisiana, Harley Davidson has the most affordable motorcycle insurance at $44 monthly, with Sentry Insurance Company handling the coverage and service.
Do you need motorcycle insurance in Louisiana?
It’s a legal requirement in Louisiana for all motorcycle operators to have insurance.
