How Does Motorcycle Insurance Compare to Auto Insurance?

March 27, 2015

Although motorcycle insurance has some similarities to auto insurance, it also has some major differences that should be understood if you’re planning to insure a motorcycle.

Motorcycle Insurance - Baton Rouge, LA

The state of Louisiana requires residents to show proof that they’re financially responsible before they register and operate a motorcycle.

In order to show that you’re financially responsible to register and operate a motorcycle, you must purchase a motorcycle insurance policy.

In Louisiana, your motorcycle insurance policy must include the following minimums:

  • $15,000 or $30,000 for bodily injury or death
  • $25,000 for property damage

If you have auto insurance, you may notice that there is not a $15,000 minimum per person in an accident. This minimum differs from Louisiana auto insurance, and should be understood prior to purchasing and registering a motorcycle.

Coverage Options

It’s a known fact that motorcyclists have a higher risk of getting into an accident as opposed to those driving cars. There are several types of coverage options available to ensure you have the best protection while riding.

Similar to auto insurance, motorcycle insurance options can cover the following:

  • Comprehensive Insurance
  • Collision Insurance
  • Bodily Injury Liability Insurance

These are the three main insurance coverage options that should definitely be considered when registering and operating a bike.

Other Motorcycle Insurance Options

Aside from the three big insurance options listed above, there are also other motorcycle insurance coverage options that you may want to consider, including:

  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage
  • Accessory Coverage
  • Motorcycle Roadside Assistance

We’re Here to Help

Before you hit the road, we want to make sure that you’re fully protected against whatever may come your way.

If motorcycle insurance is something that you need or you’re interested in learning more, feel free to contact us or request a free quote today. We will have you riding worry free this upcoming spring and summer!

Photo Credit: CC Image Courtesy of Jeffrey Smith