Riding a motorcycle in Louisiana offers thrilling freedom, but it also comes with serious responsibilities, especially when accidents or traffic violations land you in the “high-risk” category for insurance. If you’ve racked up tickets or been involved in crashes, securing affordable motorcycle insurance can feel like an uphill battle. Fortunately, there are strategic steps you can take to navigate this challenge and get back on the road legally and confidently.
What Makes You High-risk? 
Insurance companies label riders as high-risk based on the following characteristics, among others:
- Multiple traffic violations (speeding, reckless driving)
- Lapses in insurance coverage
Steps to Take if You’re High-risk
Consider taking the following steps if you have been labeled as a high-risk driver:
- Shop around. Not all insurers treat high-risk riders the same. Some specialize in covering drivers with imperfect records. Use comparison tools or work with an independent agent to find companies that offer competitive rates for high-risk policies.
- Understand SR-22 filing rules. If your license was suspended due to a serious violation, Louisiana may require an SR-22 certificate, a form proving you carry the minimum required insurance. Your insurer typically handles this filing, which comes with added fees.
- Take a defensive driving course. Completing a state-approved motorcycle safety or defensive driving course can demonstrate responsibility and may help reduce your premium. It’s also a proactive way to improve your riding skills and avoid future violations.
- Adjust your coverage. While liability coverage is mandatory, you might consider dropping optional coverages like collision or comprehensive if your bike isn’t high-value. This can lower your monthly costs while keeping you legally insured.
- Improve your record over time. Traffic violations and accidents don’t stay on your record forever. In Louisiana, most infractions fall off after three to five years. Maintain a clean record moving forward to qualify for better rates eventually.
Learn More
Being labeled high-risk isn’t the end of the road; it’s a detour. With persistence, wise choices and a little patience, you can find motorcycle insurance that fits your budget and keeps you compliant with Louisiana law. Ride safe, stay informed and let your record reflect the responsible rider you aim to be. For motorcycle insurance near you, contact Pac Insurance.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.