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Whether you plan to ride Louisiana’s big cities or along its rivers and swamplands, you’ll want to familiarize yourself with the state’s rules of the road and secure a motorcycle insurance policy to help protect yourself and others.
To legally operate a motorcycle in Louisiana, you need to hold the proper endorsement on your driver’s license and pass a road-rule written test and skills test. Be sure to prepare your proof of registration and insurance card beforehand—you’ll need both to take the tests. Here are the legal requirements of motorcyclists in Louisiana:
It’s illegal to overtake a vehicle on the same lane, except for a police officer performing their duties. Additionally, it’s illegal to operate your bike between traffic lanes or ride side-by-side with another motorcycle in one lane.
Get a free Dairyland® quote: Start saving on your Louisiana motorcycle insurance.
Each state establishes its own minimum motorcycle insurance requirements. Here are the insurance coverages and limits you’re required to carry in Louisiana:
Keep in mind, if you carry only the required minimum coverage limits, it may not be enough to cover your expenses following an accident. You could end up paying out of pocket to cover damages, medical fees, and other costs—for yourself and others involved.
Yes. Louisiana has multiple coverage options that go beyond the state’s minimum requirements, potentially helping you reduce out-of-pocket expenses following a covered accident. Here are a few optional coverages you can add to your policy:
Collision coverage can help pay for repairs if your motorcycle is damaged in a collision—with another motorcycle, a passenger or commercial vehicle, or even a stationary object like a street sign or mailbox.
Comprehensive motorcycle insurance coverage can help you pay for repairs or replacement when your motorcycle is damaged by something other than a collision—such as vandalism or theft, fire, and weather events like hailstorms.
If you’ve had any custom modifications made to your motorcycle, this coverage can help cover the cost of repairing or replacing the customized items instead of their factory-standard equivalents.
To help you get the most out of your policy, we offer a range of motorcycle insurance discounts in Louisiana—review the list below and talk with your agent to determine whether you qualify for one or more:
No Louisiana road trip is complete without a visit to Bourbon Street in New Orleans, one of the country’s most vibrant and eclectic cities. But there’s so much more to this great state, including:
No, not the one in Italy. Venice, Louisiana, is located at the southeastern tip of the state, where the Mississippi River meets the Gulf of Mexico. Hop off your motorcycle and take advantage of the city’s charter boats and guide services. And be sure to enjoy some delicious seafood in the area.
The Atchafalaya Basin is the largest swamp in the entire United States, even surpassing the Florida Everglades. This basin is teeming with wildlife, fish, and birds—most notably the bald eagle. Along with riding your bike through this natural wonder, you can also camp, hike, paddle, and take a boat tour.
Built in 1718, the St. Louis Cathedral in New Orleans is considered the oldest cathedral in the United States. While it’s undergone several stages of refurbishing and rebuilding over the years, it remains a spectacular landmark that stands tall in the state’s history.
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Dairyland® is launching off-road insurance coverage but it isn’t available in [STATE] yet.
Sorry for the inconvenience. Please check back next time you’re looking to purchase a policy. Or, call us at 214-281-3546 for help finding off-road coverage with another company.