Motorcycle Insurance in Louisiana

There’s nothing like the experience of exploring the Louisiana landscape on the back of your motorcycle. Before you head out on that adventure, you must be certain that you have adequate motorcycle insurance. Allow us at the Soto Insurance Agency to provide the plan you need. We cater to all Covington, LA residents so feel free to drop by if you’re looking to secure a plan.

What Are the Motorcycle Insurance Requirements for Louisiana Residents?

Anyone who owns a car in Louisiana is required to have insurance. The same rule applies to those who own motorcycles. But what kind of policy do you need to secure?

The state of Louisiana requires motorists to follow the 15/30/25 liability limits.

A valid policy should allot $15,000 in bodily injury coverage for one person. Your policy must also offer up to $30,000 in bodily injury coverage for each accident if more than one person sustained injuries. Lastly, your policy must also provide up to $25,000 in property damage coverage per accident.

Remember that those are only the minimum limits for motorcycle insurance in Louisiana. If you want to protect yourself better, you can get a policy with higher limits from your insurer.

Do I Need Other Forms of Motorcycle Insurance Coverage?

The policy described above is the only one you are required to purchase as a motorcycle owner. However, there are other policies that can round out your protection.

Uninsured/underinsured motorist coverage gives you an easy way to pay for your medical bills if a driver who either has no insurance or inadequate coverage causes your accident. Collision coverage will help you pay for repairs if your motorcycle was damaged following a crash. You can also get comprehensive coverage to protect against damage that stems from weather events, vandalism, and theft.

Consider adding those policies to your list of purchases if you want to secure your motorcycle investment.

Reach Out To Us!

Hit the road with confidence after securing complete motorcycle insurance. We at the Soto Insurance Agency are ready to assist all Covington, LA residents looking for those motorcycle policies. Visit us today and let’s talk about your motorcycle coverage!