The Best Cheap Motorcycle Insurance in Louisiana

Dairyland has the most affordable motorcycle insurance in Louisiana, at just $22 per month. That's around half the state average, and $8 per month less than the second-cheapest company, Harley-Davidson.

Dairyland also has a few discounts to help you save money on motorcycle insurance, like a discount for switching from another insurance company, owning your home or belonging to a motorcycle group, like H.O.G.

But Dairyland doesn't offer some common discounts, like savings for paying your bill up front or making automatic payments. And because you can't insure your car or home with Dairyland, you won't get a bundling discount.

It gets nearly twice as many complaints as a typical insurance company. Most complaints are about Dairyland's slow claims process, which means it will likely take longer to get back on the road after an accident.

Dairyland has only a few extra coverage options for motorcycle riders. It offers rental reimbursement after a crash and roadside assistance. These coverages are important if you use your motorcycle as your main vehicle because they can help keep your life on track after an emergency.

But, Dairyland doesn't offer options like trip interruption coverage or protection for trailered bikes. People who take regular road trips should consider a company with these options, like Progressive.

Harley-Davidson's average price is $30 per month, which is 30% less than the Louisiana average.

Harley-Davidson also has lots of specialized coverage options, including rental reimbursement, extra coverage for equipment and roadside assistance. It also has helpful add-ons for people who travel, like trip interruption coverage.

The biggest drawback to Harley-Davidson is that it gets 64% more complaints than similar insurance companies. That means it may take longer for your life to go back to normal after an accident.

In addition, Harley-Davidson doesn't offer other kinds of insurance. You're missing out on a bundling discount you might find at another company, like Progressive. Plus, you won't have the convenience of working with a single insurance company.

Full coverage motorcycle insurance from Progressive costs an average of $45 per month in Louisiana. That's $2 per month more per month than the average rate but more than double the rate of the cheapest company, which is Dairyland.

In addition, you can upgrade your policy by adding:

Progressive also offers a number of discounts to help make its insurance more affordable. It's a great option for riders who want to bundle their motorcycle insurance policy with their auto, home or renters insurance, because you'll earn a discount on both policies.

Progressive's customer service is highly rated. Customers at Progressive are about one-third less likely to file a complaint than those at a competing company, according to the NAIC. That suggests customers are usually happy with the service they get from Progressive.