It's important for all motorcycle owners in the Lone Star State to have motorcycle insurance, but it doesn't have to break the bank. After reviewing over 300 insurance quotes in Texas, we found the cheapest motorcycle insurance to be offered by Progressive at about $631 per year.
Compare Motorcycle Insurance Quotes in Texas
We collected thousands of quotes and researched dozens of insurers to identify the best options for Texas riders.
The cheapest motorcycle insurance companies in Texas
That said, pricing is still obviously important when choosing the right insurance policy for your motorcycle. Paying too much for coverage you don't need isn't quite as risky as paying too little for inadequate protection, but neither is a great situation to be in. To combat this problem, we compared the average cost of motorcycle insurance by company to find the cheapest options in Texas, using coverage limits that we believe offer full protection for the average rider.
The average cost of motorcycle insurance in Texas is $822 per year, or $69 per month.
Compare Motorcycle Insurance Quotes in Texas
Difference from state average
Best for most people: Progressive
Progressive is our top recommendation for Texas motorcycle insurance. The company offers the cheapest rates alongside the most robust set of coverage options.
Across the hundreds of in-state addresses we used in our survey of quotes, Progressive's rates for motorcycle insurance averaged $631 per year, which was 23% lower than the average in Texas.
Not only does Progressive have a cheaper-than-average premium, but it also gives you the chance to eliminate your deductibles over time: For each full year in which you don’t file any claims for collision or comprehensive coverage, the company will reduce the deductibles on those coverages by 25%.
For those lower rates, Progressive delivers a high level of coverage, but the insurer also leaves room for additional protections that offer great flexibility to match your individual insurance needs. For instance, Progressive lets you choose between actual cash value coverage on your bike and total loss coverage, which promises to pay the costs of replacing your vehicle with a newer version. This kind of replacement cost coverage is essential if you've invested a lot in your motorcycle.
Some of the company's coverage options include:
- Enhanced injury protection: You can get up to $1,000 a month for two years to help pay for expenses if you're hurt in an accident and cannot work.
- Roadside assistance: Free towing to the nearest repair shop available anywhere in the United States.
- Original equipment manufacturer (OEM) parts: If your bike is damaged, it will be repaired with new parts from the original manufacturer, regardless of wear on your motorcycle before the accident.
Progressive’s customer satisfaction numbers turned out to be strong as well. The NAIC assigns Progressive a low complaint index of 0.54, meaning it received about half the complaints expected for a company its size.
Best for motorcycle collectors: Dairyland
Dairyland's deep policy features and discounts on multi-vehicle motorcycle insurance make it our top recommendation for die-hard enthusiasts. In Texas, we also found that Dairyland delivers that coverage for a reasonable rate.
The average rate of $784 per year for a Dairyland policy in Texas is 5% lower than the state average. It pays for a wide range of coverages that may be essential for enjoying your motorcycles with financial confidence.
Unlike some of its competitors, Dairyland offers the option of getting both full replacement cost coverage and OEM parts coverage. Together, these protections ensure that you'll be fully covered when restoring a damaged vehicle to its original condition, down to every part. Such policies often come with higher premiums than policies that offer actual cash value compensation, which takes the depreciation out of your claim amount.
As far as Dairyland’s record, the insurer scored a poor NAIC complaint index of 2.69 in 2020, while AM Best assigned it a financial stability rating of A+ — which indicates that the company is highly capable of meeting its financial responsibility on all claims.
Best for military families: USAA
Texas has the third-most active military service members stationed within its borders of any state. Those military members, veterans and military family members can get affordable rates and good coverage on motorcycle insurance through USAA.
USAA partners with Progressive for coverage, but members receive a 5% discount. Progressive already offers the lowest rates in the state, with a robust set of discounts and coverage options.
USAA has very few physical locations, so most customers will not deal with agents face-to-face. Instead, they'll interact online and over the phone.
Motorcycle insurance costs: city-by-city breakdown
To show you how the cost of insuring a motorcycle can vary based on where you live, we've listed the average annual premiums for motorcycle insurance we collected for addresses for the 20 biggest cities in Texas, along with a calculation of the difference between each city's average cost and the statewide average.
Difference vs. state average
Motorcycle insurance costs significantly more if you're based in a major city, and Texas is no exception. For example, premiums for riders in Houston, Dallas and San Antonio were up to 31% higher than in the state overall. In contrast, smaller cities like McAllen and Odessa saw rates that fell well below the average.
Comparing Texas motorcycle insurers by customer service quality
Our motorcycle insurance recommendations for Texas aren't solely based on the average premium recorded for each provider. Regardless of your premium or coverage limit, it isn’t easy to judge an insurance policy's value until you actually have to rely on it during a claim situation. To get an approximation of that value, we relied on numbers from three sources, each measuring insurers from a different angle.
The NAIC’s Complaint Index is a ratio of an insurer's total complaints versus its market share. The index is set to a median value of 1.0, so any company with an index below that level is responsible for fewer complaints than typical for its size.
The AM Best financial strength rating (FSR) signals how well a company can withstand financial stress, whether it’s caused by an economic recession or a spike in claims volume from a disaster. Insurers with lower FSRs are more likely to run into complications or delays in handling your insurance claim. Using this metric helped us avoid recommending any motorcycle insurers that might not be able to deliver the compensation you pay for in your premiums.
Texas motorcycle laws
As with drivers, Texas has a number of laws for people who operate a motorcycle within the state regarding o protective gear, insurance and licensing. Even if you don’t live in Texas, it’s important to be familiar with these regulations as they apply to you when riding a motorcycle in the state.
Motorcycle helmet laws in Texas
Texas law requires motorcycle drivers and passengers to wear a helmet at all times if under the age of 21. If you’re older than 21, you are still required to wear a helmet while riding a motorcycle unless you can prove that:
- You’ve completed an MSF motorcycle safety course
- You have health insurance that provides benefits for health care services or medical and surgical expenses if involved in a motorcycle accident
Texas doesn’t require you to wear other gear besides a helmet, but you should also consider eye protection and clothing tough enough to prevent road rash. If you're active-duty military, you may have to follow additional gear requirements.
Motorcycle license requirements in Texas
In Texas, the requirements to obtain a motorcycle license, also called a Class M license, vary depending upon your age and whether you already have a driver’s license. However, every applicant must:
- Provide proof of U.S. citizenship, Texas residency and identity
- Provide your Social Security number
- Show proof of insurance
- Provide your Texas vehicle registration, if you’re surrendering an out-of-state license
- Bring a certificate of completion as evidence you’ve completed a DPS-approved motorcycle safety course within the past 24 months
- Pass a vision exam
- Have your thumbprint and picture taken
- Complete an application and pay the application fee
If you already have a regular driver’s license, you may also be required to complete a motorcycle road test. This is always the case for riders under the age of 18 but may be waived if you’re over 18.
If you’re applying for your first license and only want a Class M motorcycle license, you will also need to complete:
- The written test for car drivers (addressing signs and driving laws)
- A motorcycle road test
- Either the classroom segment of a teen driver education course or both the classroom and behind-the-wheel segments of an adult driver education course (if between 18 and 24)
Motorcycle insurance requirements in Texas
All riders are required to carry motorcycle insurance in Texas. State law describes the following minimums for liability insurance coverage:
- $30,000 bodily injury liability coverage for injuries to one person in an accident
- $60,000 bodily injury liability coverage for total injuries in an accident
- $25,000 property damage liability coverage
Medical payments and uninsured motorist coverage aren’t required to drive a motorcycle in Texas. However, we recommend that you consider them when purchasing a policy. If you’re involved in an accident, these insurance coverage options offer protection for your own injuries or property damage.
Our research on Texas motorcycle insurance rates comprised of 318 quotes for 52 different addresses, using the same rider profile. The theoretical rider was a married, 45-year-old male homeowner insuring a brand-new 2021 Harley-Davidson FLHX Street Glide. He had 20 years of experience riding motorcycles and recently completed a basic safety course.
These personal details can affect your motorcycle insurance quote, but the biggest factor by far is how much coverage you want to buy. We chose the following limits:
- Bodily injury liability coverage: $100,000 per person / $300,000 per accident
- Property damage liability coverage: $50,000 per accident
- Collision coverage: Included / $500 deductible
- Comprehensive coverage: Included / $500 deductible
- All other coverages: Not included
These coverages go above and beyond the legally required minimum for motorcycle insurance in Texas, which only mandates liability coverage. We chose these more expensive options because in our view, they represent a reasonable amount of financial protection against the risks that a typical rider must face when operating a motorcycle. Opting for the legal minimum of insurance coverage will drop your monthly rates significantly, but it may drastically increase your expenses if you get in an accident.