Louisiana offers motorcyclists an array of diverse landscapes to discover, from the stunning bayous and swamps of the south to the vibrant cities and historic sites scattered throughout the state.
The Gulf Coast’s enchanting scenery and lively culture provide exhilarating riding experiences for motorcyclists.
Prior to exploring Louisiana’s unique landscape and culture, it’s vital for motorcyclists to have sufficient insurance coverage.
Louisiana Motorcycle Insurance Requirements
To comply with insurance requirements established by the state of Louisiana, your policy must include adequate bodily injury liability and property damage liability insurance.
- $15,000 bodily injury liability (per person)
- $30,000 bodily injury liability (per accident)
- $25,000 property damage liability (per accident)
According to the Louisiana Department of Insurance, Louisiana does not require personal injury protection (PIP) coverage for motorcycles.
Uninsured motorist (UM) and underinsured motorist (UIM) coverage are optional in Louisiana. However, you must formally reject them if you choose not to purchase them.
For extra information about motorcycle insurance requirements in Louisiana, consult the Louisiana Office of Motor Vehicles.
Additional motorcycle insurance options in LA
Motorcyclists may want to buy additional motorcycle insurance beyond the basic liability coverage (bodily injury & property damage) for added peace of mind – some options to consider are listed below.
- Collision Coverage: This coverage helps cover the cost of repairs or replacement of your motorcycle if it’s damaged in an accident with another vehicle or object, regardless of who is at fault.
- Comprehensive Coverage: Comprehensive coverage offers financial protection for your motorcycle in the event of non-collision incidents, such as theft, vandalism, or damage caused by natural disasters (e.g., hurricanes, floods, or fires).
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage provides financial protection if you’re involved in an accident with a driver who either lacks insurance or has insufficient insurance to cover the damages or injuries resulting from the accident.
- Medical Payments Coverage (MedPay): MedPay covers medical expenses for you and your passengers in the event of an accident, irrespective of fault. This can include costs such as hospital bills, medical treatment, and even lost wages due to time off work.
- Custom Parts & Equipment (CPE) Coverage: If you’ve made distinctive modifications or added custom parts to your motorcycle, CPE coverage can help pay for repairs or replacement of these specialized parts or accessories if they are damaged or stolen.
- Roadside Assistance: This coverage offers assistance if your motorcycle breaks down while you’re on the road. Services can include towing, fuel delivery, battery jump-starts, and more, to help you resume your journey as quickly and safely as possible.
- Trip Interruption Coverage: If your motorcycle breaks down during a trip, this coverage can help pay for expenses such as lodging, meals, and transportation while your bike is being repaired.
- Accessory Coverage: This coverage protects the value of your motorcycle’s accessories, such as saddlebags, helmets, and other gear, in the event they are damaged, destroyed, or stolen.
- Gap Insurance: If your motorcycle is financed or leased, gap insurance can cover the difference between the actual cash value of your motorcycle and the amount still owed on your loan or lease if your motorcycle is totaled in an accident.
Motorcycle Insurance Discounts in Louisiana
In Louisiana, motorcyclists can take advantage of various discounts on motorcycle insurance to save money on their premiums.
Here’s a list of common motorcycle insurance discounts with a brief description of each:
- Multi-policy discount: If you have multiple insurance policies (e.g., home, auto, or life) with the same insurance provider, you may be eligible for a multi-policy discount on your motorcycle insurance.
- Safe rider discount: Motorcyclists who complete an approved motorcycle safety course can often receive a safe rider discount on their insurance premiums, as insurance providers appreciate the reduced risk associated with educated and safe riders.
- Claims-free discount: If you have a clean claims history and have not filed any insurance claims within a specific period (usually three to five years), you may be eligible for a claims-free discount.
- Mature rider discount: Riders above a certain age (typically 50 or older) who have a good driving record may qualify for a mature rider discount on their motorcycle insurance premiums.
- Motorcycle club membership discount: Being a member of a recognized motorcycle club or association can sometimes earn you a discount on your motorcycle insurance, as insurers may view club members as more responsible riders.
- Anti-theft discount: Installing an approved anti-theft device on your motorcycle may result in a discount on your comprehensive coverage premium, as it reduces the risk of theft.
- Military or affinity group discount: Insurance providers often offer discounts to active and retired military personnel and members of certain affinity groups or professional organizations. Check with your insurance provider to see if you qualify for such a discount.
- Multi-vehicle discount: If you insure multiple vehicles (e.g., cars, motorcycles, or recreational vehicles) with the same insurance provider, you may be eligible for a multi-vehicle discount.
- Annual payment discount: Some insurance providers may offer a discount if you choose to pay your annual premium in one lump sum rather than monthly installments.
- Good credit discount: Having a good credit score can sometimes lead to lower insurance rates, as insurance companies view individuals with good credit as less risky customers.
It’s essential to talk to your insurance provider about available discounts and eligibility requirements to ensure you’re receiving the best possible rate on your motorcycle insurance in Louisiana.
Motorcycles & Two-Wheeled Vehicles Defined (Louisiana)
In Louisiana, motorcycles and other two-wheeled vehicles are legally classified as follows:
Motorcycle: A motorized vehicle that has a seat or saddle for the rider and is designed to travel on up to three wheels in contact with the ground. It is powered by either an internal combustion engine or an electric motor.
Moped: A type of motorized cycle that has an engine displacement not exceeding 50 cubic centimeters (3.05 cubic inches). It is equipped with an automatic transmission and cannot exceed speeds of 30 miles per hour on level ground.
Scooter: A two-wheeled vehicle that has a motor displacement of at least 50 cubic centimeters. It is characterized by its step-through frame and footrest platform, and it is incapable of reaching speeds greater than 60 miles per hour.
Note: Definitions are based on the Louisiana Revised Statutes, Title 32 – Motor Vehicles and Traffic Regulation.
Insurance Requirements for Smaller Vehicles in Louisiana
In Louisiana, most small vehicles, including motorcycles, mopeds, and scooters, must meet specific insurance requirements, similar to those for other motor vehicles.
Liability insurance (bodily injury and property damage) is mandatory for motorcycles, mopeds, and scooters in Louisiana.
Motorcycles: To legally operate a motorcycle in Louisiana, you must have liability insurance coverage, regardless of the number of wheels on your motorcycle.
Mopeds & Scooters: Liability insurance is mandatory for mopeds and scooters in Louisiana, just like for motorcycles, regardless of their engine displacement.
Rules & Regulations for Motorcycles in Louisiana (Basics)
Motorcyclists in Louisiana should be aware of general rules and regulations while driving throughout the state.
- Lane splitting: Lane splitting is not allowed in Louisiana, making it illegal to drive between lanes of traffic.
- Helmets: In Louisiana, all motorcycle riders and passengers must wear a helmet, regardless of age or experience.
- Eye protection: Motorcyclists in Louisiana must wear eye protection, such as goggles or a helmet visor, unless their motorcycle is equipped with a windshield.
- Passengers: Passengers are only allowed on motorcycles that have a designated seat and footrest for them.
- Mirrors & lighting: Motorcycles in Louisiana must have at least one rear-view mirror and proper lighting, including brake lights, tail lights, and turn signals.
- Turn signals: Functioning turn signals are mandatory on motorcycles in Louisiana.
- Headlights: All motorcycles must have a working headlight, which must be used during both daytime and nighttime hours.
- Seat & footrest: Motorcycles in Louisiana must have a seat for the rider and a footrest.
- License: To legally operate a motorcycle in Louisiana, you must have a motorcycle (Class M) endorsement on your driver’s license.
Penalties for Motorcyclists without Insurance in Louisiana
Proof of insurance is mandatory for all drivers and motorcyclists in Louisiana when operating a vehicle.
Failure to provide proof of insurance upon the request of a law enforcement officer during a traffic stop or after an accident can result in legal penalties.
- First Offense: A fine up to $500, potential suspension of driver’s license and registration, and possible imprisonment for up to 30 days.
- Second Offense: A fine up to $1,000, suspension of driver’s license and registration, and possible imprisonment for up to 90 days.
- Third & Subsequent Offenses: Additional fines and penalties may apply, including suspension of driver’s license and registration, and possible impoundment of your vehicle.
To learn more about the consequences of driving without insurance in Louisiana, it is recommended to check with the Louisiana Office of Motor Vehicles (OMV).
FAQs: Motorcycle Insurance & Rules in Louisiana
Below are some frequently asked questions (FAQs) about motorcycle insurance & regulations in Louisiana.
Is lane splitting legal in Louisiana?
No, lane splitting is not permitted in Louisiana, according to Louisiana Revised Statutes (LRS).
Do all motorcyclists need to wear helmets?
In Louisiana, helmets are mandatory for all riders and passengers, regardless of age or experience, to ensure safety.
What kind of license is required to operate a motorcycle legally in Louisiana?
To legally ride a motorcycle in Louisiana, you need a motorcycle (Class M) license or a motorcycle endorsement on your existing driver’s license.
You can obtain a motorcycle endorsement by passing a written test and a skills test or by completing an approved motorcycle safety course.
How can you get cheaper motorcycle insurance?
An easy way to save on motorcycle insurance is to compare plans and prices from various providers and select the one that is most affordable.
After selecting a low-cost plan, you can also consider checking for discounts and promotions offered by your insurer.
Deciding to take a higher deductible can also help reduce premiums, but be sure that you have adequate coverage for your needs.
Do scooters & mopeds have similar insurance requirements as motorcycles in Louisiana?
In general, insurance requirements for scooters and mopeds in Louisiana are similar to those for motorcycles.
However, it’s advisable to consult with an insurance provider to determine the appropriate coverage based on your specific circumstances.
What are the penalties for riding a motorcycle without insurance in Louisiana?
It’s mandatory for all motorcyclists and motorists in Louisiana to carry proof of insurance while driving – and failure to do so can result in penalties.
These penalties could be: monetary fines, suspension of license, motorcycle impoundment, and other legal consequences.
What factors determine the cost of motorcycle insurance in Louisiana?
Multiple factors can affect the cost of motorcycle insurance in Louisiana.
Common ones include: the rider’s age, driving history, location, type of motorcycle, chosen coverage levels, deductible amounts, credit score, and discounts from the insurance provider.
Riders with a clean driving record, higher credit scores, and lower accident risk are more likely to receive lower insurance rates – than those with many accidents, poor credit, etc.
Getting quality insurance for your motorcycle in Louisiana
It is crucial for motorcycle riders in Louisiana to have dependable insurance coverage to ensure financial protection in the event of accidents or unfavorable circumstances.
Utilizing the Zip Code search box on this website can help you compare motorcycle insurance providers in your area, obtain quotes, and select the best coverage that fits your budget and needs.
After obtaining a policy that meets Louisiana’s state regulations and your individual preferences, you can ride with confidence and peace of mind, knowing you are protected while on the road.