Louisiana motorcycle insurance

What are the minimum requirements for motorcycle insurance in Louisiana?

Louisiana motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damage you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets. Note that property damage liability coverage won’t cover your own bike.

Louisiana also mandates uninsured/underinsured motorist bodily injury coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are both optional. However, if you're like many motorcycle owners, you're consistently investing in your motorcycle and you may want to protect your bike against physical damage. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Louisiana?

In 2023, the annual cost for a Progressive motorcycle policy in Louisiana with liability coverage only was $202.77.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Louisiana?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Shreveport, New Orleans, Baton Rouge or anywhere else in the Bayou State, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Louisiana without eliminating the valuable protection you need for peace of mind while riding.

You can decrease the cost of motorcycle insurance in Louisiana with motorcycle insurance discounts, such as:

• Multi-policy discount
• Responsible driver discount
• Military discount
• Safety course discount
• Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Louisiana

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Louisiana