Who Has The Cheapest Motorcycle Insurance Quotes In Texas?

Texas is known for its diverse landscapes as well as its cattle and oil industries, amongst many other things. The “Lone Star State” has a great climate for motorcycle riding, so we set out to see which cities have the best motorcycle insurance rates in the Texas. Based on quotes from five major carriers for a sample 45-year-old male rider, we found that the most expensive cost 2x the cheapest motorcycle insurance company. Our study also showed that the most expensive city for the sample policy cost 97.5% higher than the cheapest in Texas.

Cheapest Motorcycle Insurance In Texas

The five companies we gathered motorcycle insurance rates from quoted a wide range of premiums for our sample policy and rider. The company with the best motorcycle insurance quotes was Nationwide, which had an average quote of $467. Two other companies also had quotes across Texas that were more affordable than the state average: Progressive ($650) and GEICO ($744). We consider GEICO and Progressive to be among the best motorcycle insurance companies. Dairyland's quotes for the sample policy and rider were significantly higher than the Texas average, at $898. The company with the most expensive rates was Esurance. This Allstate affiliate's average motorcycle insurance quote for our 45 year old rider was $984 -- more than 2x the cost of Nationwide's.

A ValuePenguin study of five motorcycle insurance companies in Texas found Nationwide had the best quotes for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates In Texas: By City

The five places with the best motorcycle insurance quotes in Texas were all small cities either a reasonable distance from a large one, such as Houston, or a suburb of a slightly larger city. They also were scattered around the state versus clustered in one region. The city with the cheapest motorcycle insurance rates was Alpine, where quotes were 30.1% lower than the state average.

Rank

CityAverage Annual RateDifference vs. State Average

1

Alpine$523-30.1%

2

Groesbeck653-12.8%

3

Crockett666-11.1%

4

Floydada673-10.2%

5

Canyon675-9.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Alpine, TX

The city with the cheapest motorcycle insurance rates in Texas was Alpine. It’s a city in west Texas with more than 6,000 residents and considered an “oasis,” according to the city’s website. Alpine has an elevation of 4,475 feet and the surrounding peaks are more than a mile high, resulting in beautiful views. It’s home to Sul Ross State University and has a thriving downtown that attracts tourists. Quotes for the sample policy were 30.1% lower than the state average.

Groesbeck, TX

The city of Groesbeck is 40 miles east of Waco and named after Abraham Groesbeeck, a railroad director. More than 4,300 residents live in Groesbeck, which has an important history in large thanks to Old Fort Parker. Today, the city still has an agriculture economy and affordable motorcycle insurance rates. Quotes for our profiled rider's motorcycle insurance in Groesbeck were 12.8% cheaper than the state average.|

Crockett, TX

Crockett is a city 120 miles north of Houston. About 7,000 residents live in Crockett, which was named after David Crockett, who reportedly camped near the city on his way to the Alamo. The city also is known for Loop 304, the beltway that circles the city. Bike owners in Crockett will be happy to know that in addition to Crockett’s reasonable distance to Houston, Austin and the Dallas-Fort Worth area, it has some of the best motorcycle insurance rates in Texas. Premiums quoted by the carriers in our study were 11.1% lower in Crockett than the state average.|

Floydada, TX

Near Lubbock, Floydada, Texas is a rural community in the high plains and is sometimes referred to as the “Pumpkin Capital” of the state. There is some debate about where the name Floydada came from, but it has been called that since the late 19th century. It has roughly 3,700 residents and, unlike much of Texas, experiences all four seasons. Anyone with a motorcycle will be happy to hear that insurance rates in Floydada are some of the cheapest in the state. Quotes for motorcycle insurance coverage in the city were 10.2% less than the state mean for our rider.

Canyon, TX

Just south of Amarillo is the city of Canyon. It has more than 13,000 residents and is home to West Texas A&M University. The city is also known for hosting the stage musical Texas, which was written by Pulitzer Prize-winning playwright Paul Green. The cost of motorcycle insurance in Canyon is some of the best in the state of Texas. Quotes for the sample policy were 9.9% lower than the state average.

Most Expensive Motorcycle Insurance in Texas

The five places with the most expensive motorcycle insurance in the state of Texas include and are primarily near Houston. The lone exception is San Antonio, another major city with a large metropolitan sprawl. The place with the most expensive premiums was Seabrook, where the quotes in our study were 38% higher than the Texas average for our profiled rider.

Rank

CityAverage Annual RateDifference vs. State Average

1

Seabrook$1,03338.0%

2

Baytown96929.4%

3

Houston96528.8%

4

San Antonio95627.6%

5

Katy94325.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Seabrook, TX

The city with the most expensive motorcycle insurance rates in Texas was Seabrook. The small city of roughly 12,500 residents is in Trinity Bay on the Gulf of Mexico and is known as a vacation spot. The downtown is filled with shops and bed and breakfasts, and is a quiet alternative to nearby Houston. However, motorcycle insurance is expensive there compared to other cities we evaluated. Quotes for our sample property were 38% higher in Seabrook than the Texas average.

Baytown, TX

Just across Trinity Bay from Seabrook is Baytown, another Gulf Coast city near Houston but with many more residents. Baytown has a population of more than 76,000 people and is known for its industrial economy and the Bay Hartman Bridge. It also has some of the most expensive motorcycle insurance rates. Premiums in our study were 29.4% higher than the state average.

Houston, TX

Known for its expanse, arts and NASA’s Space Center Houston and many other things, the city is one of the largest in the U.S. and has something to offer everyone. It was named after former General Sam Houston, who was president of the Republic of Texas, and has prospered in large part because of the oil, manufacturing and aeronautics industries with a major presence there. Only New York City is home to the headquarters of more Fortune 500 companies than Houston. But motorcycle insurance is expensive here. Quotes for our sample policy were 28.8% higher than the state average.

San Antonio, TX

With more than 1.4 million residents, San Antonio is the seventh largest city in the U.S. and the southwestern corner of the urban region known as the “Texas Triangle.” It is home to major commercial entertainment, such as Six Flags theme parks, an NBA basketball team, the Alamo and many other historical sites. San Antonio has great weather for motorcycle riding but is one of the most expensive places in our study. Premiums quoted by the carriers in our study were 27.6% higher than the state average.

Katy, TX

Katy is a city of about 14,100 residents located 30 miles west of downtown Houston. It is home to the offices of a number of major companies and a number of notable people are from there, included Academy Award winning actress Renée Zellweger. It ranked with the fifth highest motorcycle insurance premiums in Texas. Premiums quoted in our study were 25.9% higher than the state average.|

Texas Motorcycle Laws

As with drivers, Texas has a number of laws for people that 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 which provides benefits for health care services or medical and surgical expenses if involved in a motorcycle accident.

Texas doesn’t require that motorcyclists wear other gear, besides a helmet, but those riding should also consider eye protection and appropriate clothing. Also note that military personnel may have additional protective gear requirements, so you should check with your local authority if a member of the military.

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 associated fee.

If you already have a car 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 (option if between the ages of 15 and 24) or both the classroom and behind-the-wheel segments of an Adult Driver Education course (option if between the ages of 18 and 24).

Motorcycle Insurance Requirements in Texas

Motorcycle insurance is required in Texas if you intend to ride your bike. The state mandates the following levels of 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.

Average Motorcycle Insurance Rates In Texas: By City

This comparative study of motorcycle insurance premiums in Texas was done by gathering and analyzing quotes from five major carriers across 230 cities. Our analysis showed premiums quoted for the most expensive place were 97.5% higher than the cheapest, with the average statewide cost to be $749 for our benchmark rider and policy.

A ValuePenguin study found the average motorcycle insurance rate in Texas for a sample rider and policy was $749.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 320 municipalities and census-designated places in the state of Texas. The quotes we gathered were from five major carriers - Progressive, Nationwide, Esurance, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

Rank

CityAverage Annual RateDifference vs. State Average
59Albany$712-4.9%

88

Alice730-2.6%

26

Allen694-7.4%

1

Alpine523-30.1%

52

Alvin709-5.4%

21

Amarillo687-8.3%

16

Andrews682-8.9%

216

Angleton83311.2%

104

Aransas Pass734-2.0%

127

Athens741-1.1%

223

Austin88217.8%

53

Bandera709-5.3%

71

Bastrop723-3.4%

70

Bay City723-3.5%

229

Baytown96929.4%

209

Beaumont8209.5%

73

Beeville727-3.0%

47

Big Lake707-5.6%

35

Big Spring698-6.8%

67

Blanco722-3.6%

124

Boerne740-1.2%

189

Bonham7925.7%

10

Borger680-9.2%

42

Bowie707-5.7%

134

Brady7500.1%

81

Breckenridge728-2.8%

89

Brenham730-2.6%

170

Bridge City7723.1%

23

Brownfield691-7.7%

18

Brownsville684-8.7%

115

Brownwood736-1.7%

141

Bryan7520.4%

142

Bullard7530.5%

130

Burleson743-0.8%

97

Burnet730-2.5%

179

Caldwell7804.1%

98

Cameron730-2.5%

5

Canyon675-9.9%

74

Carrizo Springs727-3.0%

178

Cedar Park7794.0%

116

Chandler736-1.7%

180

Clarendon7814.2%

164

Cleburne7682.5%

208

Cleveland8209.4%

82

Clifton728-2.8%

217

Clute83311.2%

60

Coleman712-4.9%

155

Colorado City7652.2%

90

Columbus730-2.6%

215

Coppell83311.2%

117

Copperas Cove736-1.7%

62

Corpus Christi716-4.4%

118

Corsicana736-1.7%

159

Crawford7672.4%

3

Crockett666-11.1%

75

Crystal City727-3.0%

76

Cuero727-3.0%

154

Daingerfield7642.0%

13

Dalhart681-9.0%

212

Dallas82510.2%

83

De Leon728-2.8%

27

Decatur694-7.4%

91

Del Rio730-2.6%

28

Denton694-7.4%

137

Diboll7510.3%

66

Dublin721-3.8%

17

Dumas683-8.8%

92

Eagle Lake730-2.6%

93

El Campo730-2.6%

183

El Paso7864.9%

48

Eldorado707-5.6%

139

Elgin7510.3%

193

Emory7976.4%

202

Ennis8108.1%

165

Fairfield7692.7%

29

Farmersville694-7.4%

203

Ferris8108.1%

176

Floresville7783.8%

4

Floydada673-10.2%

49

Fort Stockton707-5.6%

187

Fort Worth7885.2%

168 Frankston7723.0%

99

Fredericksburg730-2.5%

220

Friendswood83811.8%

14

Friona681-9.0%

30

Frisco694-7.4%

43

Gainesville707-5.7%

191

Galveston7966.3%

132

Gatesville747-0.3%

136

Georgetown7510.2%

161

Gilmer7682.5%

86

Goldthwaite729-2.6%

51

Gonzales708-5.5%

44

Graford707-5.7%

45

Graham707-5.7%

156

Granbury7662.2%

197

Greenville8006.8%

2

Groesbeck653-12.8%

84

Hamilton728-2.8%

19

Harlingen684-8.7%

109

Hearne735-1.9%

152

Henderson7621.7%

153

Hondo7621.8%

228

Houston96528.8%

31

Howe694-7.4%

102

Huntsville733-2.2%

157

Hutto7662.2%

188

Ingram7905.5%

211

Italy82410.1%

46

Jacksboro707-5.7%

131

Jacksonville744-0.7%

103

Jasper733-2.2%

55

Johnson City711-5.1%

77

Junction727-3.0%

78

Karnes City727-3.0%

226

Katy94325.9%

185

Kaufman7875.0%

194

Keller7996.6%

79

Kerrville727-3.0%

162

Kilgore7682.5%

177

Killeen7783.8%

94

Kingsville730-2.6%

145

Kyle7540.7%

80

La Grange727-3.0%

41

Lamesa700-6.5%

114

Lampasas735-1.9%

95

Laredo730-2.6%

120

Leakey737-1.6%

184

Leander7875.0%

119

Lewisville737-1.6%

199

Lexington8047.4%

143

Lindale7530.5%

58

Little Elm712-4.9%

100

Llano730-2.5%

65

Lockhart720-3.9%

163

Longview7682.5%

15

Lubbock682-8.9%

138

Lufkin7510.3%

210

Lumberton8229.8%

190

Mabank7956.2%

195

Mansfield7996.6%

140

Marble Falls7510.3%

50

Marfa707-5.6%

110

Marlin735-1.9%

158

Marshall7672.4%

101

Mason730-2.5%

20

McAllen684-8.7%

160

McGregor7672.4%

32

McKinney694-7.4%

221

Mesquite83811.9%

11

Midland681-9.1%

24

Mineral Wells692-7.6%

22

Mission688-8.1%

218

Montgomery83611.7%

122

Mount Pleasant739-1.3%

123

Mount Vernon739-1.3%

6

Muleshoe676-9.7%

148

Nacogdoches7560.9%

121

Navasota737-1.6%

149

Nederland7571.1%

204

New Braunfels8118.2%

12

Odessa681-9.1%

56

Olney711-5.1%

171

Orange7723.1%

54

Ozona711-5.1%

105

Palacios734-2.0%

200

Palestine8067.7%

7

Pampa676-9.7%

68

Paris722-3.6%

224

Pasadena92723.8%

222

Pearland83811.9%

57

Pecos712-5.0%

196

Pflugerville7996.7%

36

Pilot Point698-6.8%

85

Pittsburg729-2.7%

8

Plainview676-9.7%

37

Plano698-6.8%

174

Pleasanton7753.4%

125

Port Aransas740-1.2%

213

Port Arthur82510.2%

106

Port Lavaca734-2.0%

38

Princeton698-6.8%

61

Raymondville715-4.6%

126

Robstown740-1.2%

111

Rockdale735-1.9%

107

Rockport734-2.0%

39

Rockwall698-6.8%

201

Rosenberg8098.1%

166

Round Rock7702.8%

207

Rowlett8189.3%

133

Rusk748-0.1%

192

Salado7976.3%

87

San Angelo730-2.6%

227

San Antonio95627.6%

151

San Marcos7591.4%

112

San Saba735-1.9%

230

Seabrook1,03338.0%

108

Sealy734-2.0%

205

Seguin8118.2%

25

Seminole694-7.4%

40

Sherman698-6.8%

34

Silverton695-7.2%

113

Smithville735-1.9%

63

Snyder716-4.4%

9

Spearman676-9.7%

128

Stephenville741-1.1%

96

Sulphur Springs730-2.5%

64

Sweetwater716-4.4%

167

Taylor7702.8%

182

Temple7814.3%

186

Terrell7875.0%

172

Texarkana7733.2%

Texas Average7490.0%

198

Texas City8017.0%

219

The Woodlands83611.7%

175

Three Rivers7753.5%

225

Tomball92924.1%

173

Tyler7743.3%

147

Uvalde7560.9%

72

Van Horn724-3.4%

135

Victoria7510.2%

169

Waco7723.0%

214

Waxahachie83211.0%

69

Weatherford722-3.6%

129

Westlake743-0.9%

206

Wharton8128.4%

144

Whitehouse7530.5%

33

Wichita Falls694-7.4%

181

Wills Point7814.3%

146

Wimberley7540.7%

150

Wylie7581.2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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