Motorcycle Insurance Agencies in Louisiana

Louisiana at a glance

• 206motorcycle insurance agencies listed
• 32.6%of households rentRenters insurance
• $216,500median home valueHome insurance
• 1983median year homes were builtRebuild cost calculator
• 8.4%of households have no carAuto insurance
• 12.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Louisiana

How many of Louisiana’s 64 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Lightning27 of 64 counties

  Very High in Calcasieu Parish, Lafayette Parish, Orleans Parish and 3 more.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Louisiana
• Hurricane24 of 64 counties

  Very High in Jefferson Parish, Orleans Parish, St. Tammany Parish and 4 more.

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Louisiana
• Ice storm18 of 64 counties

  Very High in Caddo Parish, Bossier Parish, Webster Parish and 3 more.

• Strong wind11 of 64 counties

  Very High in Caddo Parish.

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Louisiana
• Coastal flooding10 of 64 counties

  Very High in Jefferson Parish, St. Charles Parish.

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in every state
• Tornado10 of 64 counties

  Very High in East Baton Rouge Parish.

  Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

  Home insurance in Louisiana

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Louisiana

Louisiana requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $25,000 of property damage liability, often written 15/30/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in LouisianaHow much liability cover do you need?

Source: ldi.la.gov. Checked 2026-10-24.