Motorcycle Insurance in Louisiana: The Cheapest Quotes and Best Companies

The Cheapest Motorcycle Insurance in Louisiana

The cheapest motorcycle insurance in Louisiana will typically only offer liability indemnity. This is the basic minimal required by Louisiana motorcycle insurance laws. If you want comprehensive coverage and high liability limits, the cheapest option is not always the best option. For riders in Louisiana, a comprehensive motorbike policy policy is better than liability-only indemnity since it comes with collision coverage and early protections, including coverage for larceny, fire and vandalism. To find the cheapest companies, MoneyGeek used a profile of a dependable rider in Louisiana with 50/100/25 liability-only coverage.

Cheapest Liability-Only Motorcycle Insurance Quotes in Louisiana

On average, the cheapest motorcycle insurance companies in Louisiana for liability-only coverage are :

  • GEICO: $99 per year
  • Progressive: $115 per year

GEICO motorcycle policy is 58.4 % cheaper compared to the most expensive option, Harley-Davidson, which costs approximately $ 238 per year .

Average Annual Premium for Liability Coverage

coil for moreswipe icon

  • company annual agio
  • 1. GEICO $ 99
  • 2. progressive $ 115
  • 3. Dairyland $ 228
  • 4. Harley-Davidson $ 238

Cheapest Full Coverage Motorcycle Insurance Quotes in Louisiana

For most riders in Louisiana, a full coverage policy is the best choice because it provides comprehensive examination coverage, including protection from collision wrong and loss caused by risks such as larceny or vandalism. This means that your asset will be well protected by a comprehensive policy. Riders who are making payments on their motorbike may be required to take out a comprehensive policy. For this analysis, MoneyGeek used the profile of a good rider in Louisiana with 50/100/25 coverage and a $ 500 deductible for comprehensive examination and collision coverage. The cheapest motorcycle indemnity companies in Louisiana for a full coverage policy are :

  • GEICO: $336 per year
  • Dairyland: $448 per year

The cheapest option, GEICO, is 37 % cheaper than the most expensive, Harley-Davidson, which costs $ 533 annual. This means you can make meaning savings on premiums by comparing motorbike insurance quotes in Louisiana .

Average Annual Premium for Comprehensive and Collision

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  • company annual premium
  • 1. GEICO $ 336
  • 2. Dairyland $ 448
  • 3. liberal $ 519
  • 4. Harley-Davidson $ 533

Insurance Rates

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What Is the Average Motorcycle Insurance Cost in Louisiana ?

In Louisiana, the cost of motorbike indemnity depends on a variety show of factors, including the model of your motorbike, your riding history, your senesce, the coverage limits on your policy and more. For this analysis, MoneyGeek compared motorcycle indemnity rates from unlike companies in Louisiana. The average cost of motorbike insurance in Louisiana is $ 170 per year or approximately $ 12 per calendar month for a liability-only policy. however, a liability-only policy does not cover you for injuries or any wrong to your motorcycle if you caused the accident. For a full-coverage motorcycle policy policy in Louisiana, the modal cost per year is $ 459 or approximately $ 38 monthly. This cost is 20 % higher than the national median of $ 364 per year. To determine the average costs of motorcycle insurance in Louisiana, MoneyGeek ’ randomness analyze used a policy with $ 50,000/ $ 100,000 bodily injury coverage with $ 25,000 property damage and a $ 500 deductible .

Car Insurance Costs by Coverage Type

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  • policy type average 12-Month cost in Louisiana average 12-Month National cost discrepancy
  • Full Coverage

    $459

    $364

    $95

  • Liability Only

    $170

    $141

    $29

Compare Motorcycle Insurance Rates

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The Best Motorcycle Insurance Companies in Louisiana

To find the best motorcycle policy in Louisiana, MoneyGeek used a unique rat system that incorporates motorcycle quote data singular to Louisiana, product and service offerings, affordability and fiscal stability ratings. More information can be found in our methodology. Based on the score system, GEICO ranked highest with a 90 out of 100. Our analysis found that the best motorbike policy companies in Louisiana are :
1

GEICO

score :

90

5/5 Affordability 3.3/5 User Satisfaction 5/5 fiscal constancyGeek Quick Take eccentric Quick Take Pros:

  • Top-rated mobile app
  • Most affordable rates in Louisiana
  • Wide range of discounts and optional protections

Cons:

  • Limited product offerings compared to the competition
  • Pricing favors experienced riders
  • Few local agents

More About GEICO GEICO scored highest across the keystone categories in MoneyGeek ’ second analysis, emerging as the best motorbike insurance in Louisiana. With a score of 90 out of 100, this company ranked best in affordability and fiscal stability. A liability-only motor insurance policy with GEICO will cost you $ 99 per year on average, while a full-coverage policy costs roughly $ 336 annually. apart from affordability, GEICO stands out from the competition by offering high liability limits that can be customized to suit your person needs. With this policy, you can get protective covering limits of up to $ 300,000 per incidental and up to $ 100,000 for place wrong. A GEICO motorcycle indemnity policy besides comes with optional accessories coverage and emergency wayside aid. Better yet, you can save money on your premiums by taking advantage of GEICO ’ s deduction opportunities. 2

Progressive

score :

84.5

4/5 Affordability 4.7/5 User Satisfaction 4.5/5 fiscal stability geek Quick Take Pros:

  • Reducing deductible for every claim-free motorcycle policy
  • Enhanced injury protection
  • Full replacement cost and no depreciation for parts

Cons:

  • Coverages and discounts vary by state
  • Costly for new riders
  • Only customers with three claim-free years qualify for Large Accident Forgiveness

More About Progressive progressive ranked second in MoneyGeek ’ s analysis of the best motorbike indemnity in Louisiana, scoring 84.45 out of 100 points. A liability-only motorbike indemnity policy with Progressive costs $ 115 per year on average, while a wax coverage policy will cost approximately $ 519 annually. This makes progressive one of the most low-cost options in Louisiana. In terms of product offerings, Progressive stands out from the competition by offering a wide range of protections. This includes customs property protective covering and successor cost coverage. Its comprehensive coverage besides comes with original Equipment Manufacturer ( OEM ) parts coverage. furthermore, policyholders can take advantage of many discounts to lower their annual premiums. Discounts include multi-policy, creditworthy driver, pay on prison term and more. 3

Dairyland

score :

79

3.5/5 Affordability 4.7/5 User Satisfaction 4.5/5 fiscal constancy eccentric Quick Take Pros:

  • Users can get quotes, make payments and file claims online
  • Unique coverages benefits
  • Wide range of discounts available

Cons:

  • Costly compared to other insurers in Louisiana
  • Coverage benefits are not available in all states
  • Discounts vary by state

More About Dairyland With a MoneyGeek rat of 79.01 out of 100, Dairyland is among the best motorbike insurance providers in Louisiana. This insurance company scored highly in product offerings arsenic well as fiscal stability. Dairyland charges an average of $ 228 per year for a liability-only motorcycle indemnity policy, while a full-coverage policy costs about $ 448 annually. In addition to the criterion protections, Dairyland offers riders a broad range of coverage benefits that include rental reimbursement, roadside aid and optional equipment insurance coverage. Dairyland besides offers policyholders multiple ways to save money on their premiums. Customers can get discounts for taking a rider course, being function of a passenger group or even transferring their policy to Dairyland.

How to Get a Motorcycle Insurance Quote in Louisiana

Most insurers in Louisiana provide motorcycle insurance quotes online. You need to provide the insurance company with the following details to get a quote :

  • ZIP code and address where motorcycle will be located
  • The year, make and model of the motorcycle
  • Your age and information about your riding record and experience level
  • Insurance coverage elections (for more information, see below)

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How Much Motorcycle Insurance Coverage Do You Need in Louisiana ?

Louisiana motorcycle indemnity laws and requirements require riders to have a 15/30/25 motorbike indemnity policy with the following minimal coverage amounts :

  • $15,000 per person bodily injury liability
  • $30,000 per accident bodily injury liability
  • $25,000 for property damage liability

How Much Insurance Coverage Is Required in Louisiana ?

In Louisiana, riders are required to have a 15/30/25 coverage for bodily injury and place damage. This means that to legally operate your motorbike in Louisiana, you will need an insurance policy with liability limits of at least $ 15,000 for bodily injury per person, a specify of at least $ 30,000 per accident and a $ 25,000 indebtedness limit for property damage. These limits are the amounts that your policy will pay if you cause an accident.

Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Louisiana ?

Louisiana motorcycle indemnity laws do not require you to have uninsured motorist, underinsured motorist or PIP coverage. Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. however, you can choose to have these coverages as part of a fully coverage policy from your insurance company. MONEYGEEK EXPERT TIP MoneyGeek recommends a full coverage policy of at least 50/100/25, but preferably 100/300/100 for most riders in Louisiana. Since the incremental cost is minimal for a large increase in coverage, we recommend that riders go for entire coverage of 100/300/100.

Frequently Asked Questions About Motorcycle Insurance in Louisiana

When shopping for motorbike policy quotes in Louisiana, there are some basic details that you need to know. Some of the most normally asked questions about motorbike policy in Louisiana include :

The cheapest motorbike indemnity in Louisiana is GEICO, which costs $ 99 per class for a liability-only policy and $ 336 per year for a wax coverage policy, on average .

For most riders in Louisiana, the average price of motorbike policy is $ 170 per year for a liability-only policy and $ 459 per year for a full-coverage policy .

The best motorbike indemnity in Louisiana is GEICO. This company rates highest in terms of affordability, fiscal stability and product and service offerings compared to other insurers in Louisiana .

Yes, motorbike indemnity is mandate in Louisiana. The country laws require every rider to have a liability coverage policy with minimums of 15/30/25 coverage limits .

Compare Motorcycle Insurance Rates

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Methodology

MoneyGeek collected motorcycle policy quotes immediately from different indemnity providers based on varying coverage amounts and rider profiles to help our users find the least expensive insurance company in Louisiana. The ranking for this study was based on policy cost in Louisiana ( 60 % burden ), product offerings and service ( 30 % slant ) and fiscal stability metrics from AM Best ( 10 % slant ). The most holocene license laws and insurance coverage requirements in Louisiana were gathered from the state DMVs to ensure accurate and up-to-date information. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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