Motorcycle Insurance for Gonzales & South Louisiana Riders
Protect Your Bike, Yourself, and Your Wallet
State Insurance Services helps riders in Gonzales, Ascension Parish, and throughout Louisiana get the right motorcycle insurance-whether you commute daily, ride weekends, or keep your bike garaged for storm season.
Choose the Protection that Matches How (and What) You Ride
Liability Coverage
Pays if you cause injury or damage to others-higher limits recommended for real peace of mind
Collision Coverage
Repairs or replaces your bike if you hit another vehicle or object
Comprehensive Coverage
Protects against theft, vandalism, hail, fire-even while your bike is stored
Uninsured/Underinsured Motorist (UM/UIM)
Covers you if an at-fault driver has little or no insurance-crucial in Louisiana
Medical Payments
Helps with medical bills for you and your passenger
Custom Parts & Equipment
Optional coverage for accessories, aftermarket parts, custom paint, saddlebags, and more (limits vary by carrier)
Passenger Coverage
Available-ask us to include it if you carry riders
Full Coverage
A package of liability, collision, and comprehensive-required for many financed bikes
State Minimums-The Fast Facts
Liability Insurance is mandatory in Louisiana: minimum (225) 644-4440 ($15,000 bodily injury per person, $30,000 per accident, $25,000 property damage)
"No Pay, No Play" law applies-uninsured riders can be denied claims if hit
Lenders will require full coverage (collision & comprehensive) for financed motorcycles
Local Factors & Your Riding Profile
Type of bike (cruiser, touring, sport bike, Harley, etc.)
Rider age and driving record (tickets, claims, years licensed)
How often and where you ride (weekend rides, daily commutes, storage type)
Coverage selections (liability limits, physical damage, extras)
Security and storage (garaged, alarms, locks)
Accessory values and custom upgrades
Why Riders Trust State Insurance Services
We shop multiple carriers-get options, not just one quote
Fast, local support from real people (Gonzales-based, serving all surrounding parishes)
Easy policy changes-add/remove bikes, adjust coverage anytime
5-star Google-rated agency-trusted by Louisiana riders
Simple Process, No Surprises
What we need:
Or call (225) 644-4440 for a fast quote from a local agent.
Year, make, and model of your bike
How you use it (pleasure, commuting, seasonal, etc.)
Your license info and driving history
Any custom parts or upgrades
Desired coverage (liability only, full coverage, extras)
Motorcycle Insurance Questions-Answered
How much is motorcycle insurance in Louisiana?
It varies based on your bike, record, and coverage-quotes start as low as $100/year for basic liability.
Do I need motorcycle insurance in Louisiana?
Yes-liability is required by law. Full coverage is needed if your bike is financed.
Does insurance cover passengers?
Yes, passenger coverage is available-request it when quoting.
Can I insure a financed or custom bike?
Absolutely-full coverage and custom parts/equipment coverage are available.
Will my policy cover accessories or upgrades?
Most carriers offer optional add-on coverage. Tell us what you've added and we'll make sure it's covered.
Ready to Ride Protected? Get a Fast Motorcycle Insurance Quote
We'll match your coverage to your bike, budget, and riding style-no guesswork, no gaps.