Shreveport · Bossier City · Northwest Louisiana

Motorcycle, ATV and UTV insurance

A street motorcycle and an off-road side-by-side are not the same insurance risk. Muslow Insurance helps Northwest Louisiana riders review policy options for road use, off-road activities, passengers and equipment.

Request a specialty quote Call (318) 424-7434

Street bikes · ATVs · UTVs · side-by-sides

Start by identifying what you actually ride

Street motorcycles and off-road vehicles can have different registration, operator and insurance requirements. Start with the vehicle and how you intend to use it.

Street use

Motorcycles and road-going bikes

Cruisers, touring motorcycles, sport bikes and similar road vehicles may require motorcycle-specific liability and optional physical-damage coverages, subject to Louisiana law and the policy.

Primarily off-road

ATVs, UTVs and side-by-sides

ATVs, utility vehicles and side-by-sides may require dedicated recreational-vehicle insurance. Permission to drive on a public road is a separate legal question; insurance does not make otherwise unlawful use legal.

What this guide covers

Road-registered motorcycles need a different review from an ATV used on private land or a UTV taken to a riding area. A standard car policy should not be presumed to insure these vehicles; the Louisiana Department of Insurance specifically warns that ATVs are not covered under standard automobile policies.

For a useful comparison, tell Muslow Insurance what you ride, who operates it and where it will be used. The insurers we represent have different eligibility requirements, coverage options and exclusions.

A useful policy comparison

Six details to compare in motorcycle, ATV and UTV coverage

A lower premium may reflect a different treatment of passengers, riding locations, modifications or permitted activities. Compare the actual terms, not just the price.

Road motorcycle versus off-road vehicle

Identify the exact make, model, VIN, registration and intended use. Do not treat motorcycle liability and off-road recreational-vehicle coverages as interchangeable.

Where the vehicle is used

Private land, public trails, permitted roads, organized rides and out-of-state travel can raise different eligibility questions. The policy territory and usage restrictions matter.

Passengers and other operators

Ask how the form addresses passengers, guest-passenger liability and permitted operators, including age, licensing and household-driver restrictions.

Factory value versus modifications

Custom paint, exhausts, lifts, cages, winches and additional accessories may be valued differently. Request information on limits and documentation for added equipment.

Theft, transport and storage

Compare whether physical damage applies during transport on a trailer, while stored, and away from the declared location. A trailer may require separate coverage.

Personal recreation versus commercial use

Races, track days, timed events, guided rides, paid use or renting the vehicle to others may be excluded or require a different policy. Disclose all planned uses.

Context changes the answer

Street riding and off-road recreation need separate liability conversations

Louisiana requires minimum liability coverage for motorcycles operated on public roads. The state’s 15/30/25 minimum limits may not fully address the financial consequences of a serious crash; review higher limits and passenger-related provisions where available. Licensing, registration and road-use rules still apply independently.

ATVs and UTVs are different. A homeowners policy may provide only limited, conditional liability protection for certain recreational use, and the standard personal-auto policy is not a substitute. Where the vehicle is used, who rides, and whether it is registered for any permitted road use should be reviewed before relying on an endorsement or specialty policy.

Real-world decisions

Three riding situations to describe precisely

These facts can change eligibility, physical-damage conditions, and what constitutes a covered use.

Road motorcycle with a passenger

Ask how your form addresses liability and injuries involving a passenger. Medical payments, UM/UIM and guest-passenger provisions are not identical and depend on the contract.

UTV used on trails or land

Riding on private acreage differs from organized trail riding or any permitted road use. Discuss permitted operators, transported equipment, and any exclusions for races or competitions.

Modified ATV or UTV

Aftermarket tires, winches, roof racks, suspension lifts and other upgrades may need documentation or additional limits to receive the expected claim valuation.

Important: A preliminary quote is not proof that coverage is bound or that a vehicle, activity or operator has been accepted. Ask the agency to confirm the issued policy, effective date and relevant terms before relying on coverage.

Read the actual policy

Five exclusions or limitations to ask about

Before choosing a policy, ask how it addresses the riders, uses and equipment that matter to you.

01 / Review point

Race or track exposure

Many forms restrict timed events, competition, practice and some organized activities. Ask about the exact activity rather than relying on a broad “recreational use” description.

02 / Review point

Passenger liability

Guest-passenger protection can depend on state law and form wording. Verify available liability and medical coverages for a passenger rather than assuming the motorcycle policy mirrors a car policy.

03 / Review point

Trailer and transport

A covered ATV does not automatically mean the trailer carrying it is covered for its own damage. Loading, unloading and transport-loss terms require review.

04 / Review point

Safety equipment and riding gear

Helmets, protective clothing, communications equipment and custom accessories may have sublimits, exclusions or optional coverage; keep receipts where appropriate.

05 / Review point

Seasonal storage

Reducing coverage during storage could remove liability or physical-damage protections. Do not ride or transport until the appropriate coverages and effective dates are confirmed.

Local context, real use

Northwest Louisiana riding decisions

Where a recreational vehicle is kept and operated matters more than a vague statement that it is “just for fun.”

Shreveport–Bossier

Weekend street riders

For bikes used to commute during the week and ride on weekends, disclose the commute, principal garaging, passenger use and equipment changes.

Caddo and Bossier Parishes

Property and recreational use

For an ATV used at home, on family land or on trails, discuss where it is operated and which people can use it rather than relying on homeowners coverage assumptions.

Travel beyond the region

Trailering and travel

Trips to different riding facilities or across state lines deserve a look at territorial provisions, transport-related losses and permitted recreational activities.

Muslow Insurance serves Shreveport, Bossier City and surrounding Northwest Louisiana communities. Individual insurer availability depends on the risk, application and underwriting.

How a local comparison works

From the first questions to confirmed coverage

Muslow Insurance can review options through the insurers it represents. Eligibility and policy terms vary by vehicle, operator and intended use.

Describe the vehicle and use

Start with the VIN, make, model, ownership details, intended riders and planned use. Provide current policy documents if available.

Compare eligible proposals

Review available pricing and material differences in liability, property protection, valuation, deductibles, exclusions and conditions.

Confirm before changing coverage

Complete any required underwriting, application and payment steps and receive direct confirmation of effective coverage before cancelling an existing policy.

Already shopping several vehicle types?

Return to the Auto & Vehicle Insurance hub, or consider a home-and-auto comparison for your eligible household policies.

Start a quote request

Motorcycle and off-road insurance guidance

Motorcycle, ATV and UTV insurance FAQs

Answers to questions about insuring street motorcycles, ATVs, UTVs and side-by-sides, including where they are used, who operates them and what may be excluded.

Is an ATV insured under my ordinary Louisiana car insurance policy?

Do not assume so. Louisiana’s Department of Insurance explains that standard auto policies do not cover ATVs. Ask whether a recreational-vehicle policy or endorsement is appropriate for the vehicle and use.

Can my homeowners insurance cover an ATV accident on my property?

Some homeowners policies offer narrow liability protection for qualifying recreational situations, but exclusions and conditions vary. They generally should not be relied on as comprehensive coverage for an ATV or UTV without a policy-specific review.

Do motorcycle and ATV insurance use the same policy form?

Not necessarily. Street-licensed motorcycles and off-road vehicles involve different operation, eligibility and underwriting. Describe the exact vehicle, registration and intended riding locations.

Does motorcycle liability cover an injured passenger?

Coverage for a passenger’s injuries depends on who is legally liable, the policy wording, applicable law and any available medical payments or other injury coverage. Ask how the proposed policy addresses passengers before relying on it.

Will insurance cover a UTV used on public roads?

Only if applicable law permits the specific road use and the insurer accepts it under an effective policy. A policy does not itself authorize road operation. Confirm road access rules and disclose planned driving.

Are organized trail rides, racing or track days covered?

Coverage often excludes races, speed contests or certain organized events; trail use can have separate restrictions. Give your agent the name and nature of the event and confirm the insurer’s response.

Can my teenager ride an ATV that is insured in my name?

Operator age, experience, permissions, required training and legal riding restrictions may matter. The insurer may restrict operators or uses; verify before allowing a minor to ride.

Are aftermarket parts, winches and custom paint included automatically?

Not at an unlimited value. A policy may have equipment sublimits or require extra coverage. Itemize substantial modifications and ask how they would be valued after a covered loss.

Does the policy protect the ATV when it is on a trailer?

Coverage during transit varies by form and cause of loss. The ATV and the trailer may need separate protections. Confirm both before hauling to a riding area.

Can I suspend motorcycle coverage for winter or a long storage period?

Insurers may offer different seasonal arrangements, but reducing coverage can create gaps for theft, weather, liability or road use. Confirm exactly what remains in force before changing the policy.

Does motorcycle insurance pay for my helmet and riding jacket?

Some insurers offer limited gear or accessory benefits, sometimes as optional coverage. Review specified limits, deductibles, what is considered equipment, and required documentation.

Can Muslow Insurance help with motorcycle, ATV and UTV insurance?

Not every motorcycle, ATV, UTV or use is eligible with every insurer. Muslow Insurance can review available options through the companies it represents. Eligibility and coverage depend on the vehicle, operators, planned activities and insurer underwriting.

Helpful, verifiable resources

A local team for motorcycle and off-road coverage questions

Muslow Insurance is a third-generation family-owned independent agency established in 1980 and based on Fern Avenue in Shreveport. For motorcycle, ATV and UTV shoppers, our team can help identify the details an insurer needs—such as riding locations, operators, modifications and passenger use—and compare eligible proposals from the companies we represent. Available options and policy terms depend on underwriting.

You can meet the local Muslow Insurance agents, read about our agency’s history and see independent customer reviews. Reviews reflect individual experiences rather than a promise of particular savings, eligibility or coverage.

Review the actual options

Request a motorcycle, ATV or UTV insurance comparison

Tell Muslow Insurance what you ride, how you use it and who will operate it. We can discuss available options through the insurers we represent; eligibility, premiums and coverage terms depend on underwriting. The quote form categorizes these requests as “Other,” and our team can confirm the vehicle type during follow-up. Submitting the form does not bind or change coverage.

Get a quote Or call (318) 424-7434

Important insurance information: These descriptions are general educational guidance, not a policy, guarantee of insurability, promise of savings or representation of coverage for a particular loss. Available products, limits, exclusions, endorsements, claims handling and premiums depend on the insurer, actual underwriting and the issued contract. Insurance cannot be bound, modified or cancelled via the website, voicemail, text or email; direct confirmation from a licensed agent is required.