COVID-19 Update: If you're thinking about motorcycle insurance in the context of coronavirus, see below for information.
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 1,100 insurance quotes in Texas, we've found the cheapest motorcycle insurance to be about $645 per year.
Compare Motorcycle Insurance Quotes from Providers in Texas
We collected thousands of quotes and researched dozens of insurers to identify the best options for Texas riders. Find out which of our recommendations line up with your needs, or use the quote tool above to compare quotes from companies near you.
Best for most people: Geico
When we evaluated motorcycle insurance in Texas based on price, features and the quality of customer service, Geico stood out with the highest all-around value for consumers. Insuring a motorcycle with Geico in Texas costs an average of $651, just a few dollars more than the average for the cheapest insurer we found. For this price, you receive coverage at a level that we believe will cover most needs for most motorcyclists.
The features we selected when gathering quotes from Geico included both collision and comprehensive coverage, which protect your motorcycle from road accidents as well as theft and natural disasters. These coverages are never legally required — states only demand that motorists carry liability insurance to cover their costs in case they cause damage to other drivers. However, collision and comprehensive coverage is important if you care about protecting the value of your own vehicle. Geico covers motorcyclists for liability and vehicle damage at a competitive rate.
Customer service is our third pillar for evaluating insurers, and Geico's reputation for user satisfaction was acceptable. It has a low complaint index of 0.68 assigned to it by the National Association of Insurance Commissioners (NAIC), which tracks every insurer's relative share of customer complaints. J.D. Power's periodic surveys of customer satisfaction in auto insurance rated Geico at 3 out of 5 — not a top-notch score, but enough to put it ahead of most competitors in Texas.
One final note for Geico: Based on its website, we couldn't verify whether its collision and comprehensive coverage is actual cash value or replacement cost. This can make a critical difference to how much you're paid in a claim situation. If you need insurance for the full replacement value of your ride, we suggest confirming this with Geico or choosing a different insurer.
Best for cheap coverage: Progressive
If you just want to find motorcycle insurance at the lowest price, our analysis found that Progressive offers the lowest average premiums in Texas among motorcycle insurance companies. The low base price of a Progressive policy leaves room in your budget for adding optional extras that you might not consider at more expensive insurers.
Across the hundreds of in-state addresses we used in our survey of quotes, Progressive's rates for motorcycle insurance rang in at an average of $645, which was 21% lower than the average in Texas. Not only does Progressive start you off at a below-average premium, but it also gives you the chance to eliminate your deductibles over time: For each full year in which you file no claims for collision or comprehensive coverage, the company will reduce the deductibles on those coverages by 25%.
The rates we found for Progressive reflect a fairly high level of coverage, but the company's online form left room for a number of 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 vehicle and Total Loss Coverage, which promises to pay the costs of replacing your vehicle with a new version of it. This kind of replacement cost coverage is important if you've invested a lot in your motorcycle.
Customer satisfaction numbers for Progressive turned out to be somewhat less competitive than its cost. The NAIC assigns Progressive a low complaint index of 0.69, but J.D. Power most recently gave it a low satisfaction score of 2 out of 5. If you're confident that your riding habits make it unlikely that you'll ever make a claim, Progressive's low prices may be worth considering.
Best for motorcycle collectors: Dairyland
Dairyland's deep policy features and discounts on multivehicle motorcycle insurance make it our top recommendation for die-hard enthusiasts. While it's not the cheapest insurer of motorcycles in Texas, the average rate of $704 for a Dairyland policy pays for a wide range of coverages that may be essential for enjoying your motorcycles with financial confidence.
Unlike some of its competitors, Dairyland includes the option to get 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 definitely come with higher premiums than policies that offer actual cash value compensation, which takes the depreciation out of your claim amount.
However, that level of insurance may be well worth the added cost if you have an extensive collection of motorcycles. In Texas, we found that Dairyland delivers such coverage for a reasonable rate. As far as the company's record on customer service goes, we found that Dairyland scored a great NAIC complaint index of just 0.20 in 2018, while A.M. 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.
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's difficult to judge an insurance policy's value until you actually have to rely on it in a claim situation. To get an approximation of that value, we relied on numbers from three different sources, each measuring insurers from a different angle.
NAIC Complaint Index
J.D. Power rating
A.M. Best FSR
|Esurance||1.30||3 / 5||A+|
|Geico||0.68||3 / 5||A++|
|Progressive||0.69||2 / 5||A+|
Markel did not receive any personal vehicle insurance complaints in 2018. However, this may be a result of Markel's very small market share.
The NAIC complaint index is a simple 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. J.D. Power's satisfaction surveys are well known: In the case of motorcycle insurers, we used provider scores based on their general auto insurance business. These scores reflect user opinions about the billing process, interaction with company agents and claims handling.
Third, the A.M. Best financial strength rating (FSR) signals how well a company can withstand financial stress, whether that's caused by an economic recession or a spike in claims volume from a large disaster. Insurers who have lower FSRs are more likely to run into trouble or delays in handling your insurance claim. Using this metric helped us avoid recommending any motorcycle insurers who might not be able to deliver the compensation you pay for in your premiums.
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 attack 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.
Texas motorcycle laws
As with drivers, Texas has a number of laws for people who operate a motorcycle within the state with regards to 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 that motorcycle drivers and passengers 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 when riding a motorcycle unless you can show evidence 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 that you 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
The requirements to obtain a motorcycle license, also called a Class M license, in Texas vary depending upon your age and whether you already have a driver’s license for a car. 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
Motorcycle insurance is required in Texas for all riders. 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.
How does coronavirus affect your motorcycle insurance in Texas?
Many large motorcycle insurance companies are easing their policyholders' financial burdens at this time. Insurance providers are issuing partial refunds for auto, motorcycle and RV insurance customers.
Even if you aren't riding your bike, you still have to keep coverage — per the legal liability requirements that govern all drivers across the country.
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 in each of Texas's 20 biggest cities — along with a calculation of the difference between each city's average cost and the statewide average.
Average annual cost
Difference vs. state average
Motorcycle insurance costs significantly more if you're based in a major city, and Texas is no exception. Premiums for riders in Houston, Dallas and San Antonio were 18% to 34% higher than in the state overall. In contrast, smaller cities like McAllen and Odessa see rates that fall well below the average.
Our research on Texas motorcycle insurance rates comprised 1,150 quotes for 230 different addresses, using the same rider profile. The theoretical rider was a married, 45-year-old male homeowner insuring a brand-new 2019 Harley-Davidson FLHX Street Glide. He had 20 years of experience riding motorcycles and recently completed a basic safety course.
These personal details can have an effect on 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're ever in an accident.