MOTORCYCLE INSURANCE IN LOUISIANA
Motorcycle insurance for the road ahead.
Your bike is personal. Your insurance should feel that way, too. Kati Cheek Insurance helps riders in Metairie and the New Orleans area understand motorcycle coverage and choose protection for the way they ride.
Free, no-obligation quote request.
What if it happens?
COVERAGE EXPLAINEDDamage to your own motorcycle
Collision coverage helps pay for covered damage to your bike after a collision with a vehicle or object, subject to your deductible and policy terms.
Examples explain coverage types. Your policy determines what is covered.
Based in Metairie, Louisiana
Personal coverage guidance
English & Spanish
Call or text: (504) 455-1234
Personal guidance
A good ride starts with a clear understanding of your coverage.
A weekday commute, a weekend escape, or a bike you have spent years making your own—each gives us something different to talk about. We take time to understand your ride, explain your options, and help you see where gaps may exist.
Your bike and its value
How often you ride
Louisiana liability requirements
Vehicle damage protection
Passengers and equipment
Your budget and deductible
Uninsured motorist options
Deductibles and policy limits
Understand the options
What does motorcycle insurance cover?
Start with liability, then explore protection for your motorcycle and the people on it. These are coverage options to discuss with our team.
Liability coverage
Helps pay for injuries to other people or damage to their property when you are at fault in a covered motorcycle accident. It does not pay to repair your own bike.
Collision coverage
Helps pay to repair or replace your motorcycle after a covered collision with another vehicle or object, subject to your deductible and policy terms.
Comprehensive coverage
Helps protect your motorcycle against covered losses such as theft, fire, vandalism, and certain weather damage. A deductible may apply.
Uninsured / underinsured motorist coverage
May help with covered injuries when an at-fault driver has no insurance or too little. Available protections and limits depend on your policy and state rules.
Medical payments coverage
May help with medical expenses for you or your passenger after a covered accident. Ask which benefits, limits, and exclusions apply.
Extras worth asking about
Custom parts, riding gear, and roadside assistance may need additional coverage. Tell us about your upgrades and how you use your bike so we can discuss available options.
YOUR BIKE. YOUR ROUTINE.
Tell us what you ride. We’ll help with the questions.
From a cruiser for weekend rides to a touring bike for longer trips, the details matter. Tell us about your motorcycle, any modifications, and whether you ride for personal use or another purpose.
Before your quote, have these handy.
01 Motorcycle year, make, and model
02 Where you keep your bike
03 Current insurance, if you have it
04 Custom parts and accessories
05 Questions about your coverage
COST & POSSIBLE SAVINGS
What affects your motorcycle insurance quote?
Your bike, location, riding history, coverage choices, and deductible can all influence your premium. The useful starting point is a quote based on your situation.
Ask about available discounts for multiple policies, multiple motorcycles, or an approved motorcycle safety course. We can help you check eligibility and understand the trade-offs when comparing options.
Discounts and savings vary. No specific rate or savings amount is guaranteed.
COST & POSSIBLE SAVINGS
Compare what you would pay after a loss.
A lower premium can come with a higher deductible or less protection. Before choosing, look at what the policy covers, the limits, and the amount you would need to pay out of pocket for a covered claim.
Bring your current motorcycle policy if you have one. It gives us a practical place to start the conversation.
WHY KATI CHEEK INSURANCE
Local people. Clear answers. Personal care.
Insurance is easier to talk about when you know who to call. Our team is here to help you make sense of your choices and feel comfortable asking questions.
A team close to home
Our Metairie office serves Louisiana neighbors with the personal attention you want when insurance questions come up.
Clear answers before you choose
We explain coverage, deductibles, and limits in everyday language so you can make an informed decision.
Support as life changes
Buying another bike, adding equipment, or reviewing your policies? Bring your questions to a team that knows you.
Simple next steps
Start with a conversation about your ride.
01
Tell us about your ride
Start with your bike, where you keep it, and how you use it. Let us know about passengers, custom parts, or a current policy.
02
Talk through your options
We help you understand available coverage, limits, deductibles, and any discounts you may qualify for.
03
Choose your next step
Review your quote and ask questions before deciding. Confirm your policy effective date before heading out.
Helpful answers
Louisiana motorcycle insurance questions
A little clarity now can help you ask better questions before you choose a policy.
Is motorcycle insurance required in Louisiana?
Louisiana generally requires liability insurance for motorcycles operated on public roads. State minimums are a starting point; they may not cover the full cost of an accident. Our team can help you discuss limits and additional protection.
Does my auto insurance cover my motorcycle?
Do not assume your car insurance covers your motorcycle. Review both policies with our team so you understand what is insured before you ride.
Does motorcycle insurance cover theft?
Comprehensive coverage generally helps pay for a covered motorcycle theft, subject to your deductible, limits, and policy terms. Liability coverage alone does not protect your bike against theft.
Will my passenger be covered?
Passenger protection depends on the coverage you select and your policy terms. Tell us if you ride with a passenger so we can review the applicable liability and medical coverage options.
What if I have a loan on my motorcycle?
Your lender may require comprehensive and collision coverage in addition to liability. Bring your financing requirements so we can help you review them.
Are custom parts and riding gear covered?
Standard coverage may have limits for accessories and protective gear. Share details about custom equipment, helmets, and other riding gear so we can check whether additional protection is available.
Can I save by combining insurance policies?
Ask us about available multi-policy, multiple-motorcycle, and motorcycle safety-course discounts. Eligibility and savings vary by insurer, policy, and rider; a discount is not guaranteed.
Should I keep coverage when my bike is in storage?
Theft, fire, and other damage can happen while a motorcycle is parked. Before changing or canceling coverage, talk with our team about storage risks, registration requirements, and any lender obligations.
What do I need for a motorcycle insurance quote?
Have your motorcycle year, make, model, and garaging ZIP code ready. Your current coverage, riding history, VIN, and licensing details may also be needed as the quote progresses. Our team will explain the next steps.
Free, no-obligation request
Your next ride starts with the right conversation.
Getting your first bike, changing motorcycles, or reviewing coverage you already have? Let’s talk about protection that fits your ride and your life.
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Contact Information:
Email: [email protected]
Contact Number:
(504) 455-1234
Text Option Available At: 504-455-1234
Location: 4515 Shores Dr., Ste. 102, Metairie, LA
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