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Who Has The Cheapest Motorcycle Insurance Quotes In Texas?

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Contents

Cheapest Places
Most Expensive Places
Comparison of Motorcycle Insurance Rates in Texas
Study Methodology

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). 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.

RankCityAverage Annual RateDifference vs. State Average
1 Alpine  $523 -30.1%
2 Groesbeck  653 -12.8%
3 Crockett  666 -11.1%
4 Floydada  673 -10.2%
5 Canyon  675 -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.

RankCityAverage Annual RateDifference vs. State Average
1 Seabrook  $1,033 38.0%
2 Baytown  969 29.4%
3 Houston  965 28.8%
4 San Antonio  956 27.6%
5 Katy  943 25.9%

*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. 

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.

RankCityAverage Annual RateDifference vs. State Average
59 Albany  $712 -4.9%
88 Alice  730 -2.6%
26 Allen  694 -7.4%
1 Alpine  523 -30.1%
52 Alvin  709 -5.4%
21 Amarillo  687 -8.3%
16 Andrews  682 -8.9%
216 Angleton  833 11.2%
104 Aransas Pass  734 -2.0%
127 Athens  741 -1.1%
223 Austin  882 17.8%
53 Bandera  709 -5.3%
71 Bastrop  723 -3.4%
70 Bay City  723 -3.5%
229 Baytown  969 29.4%
209 Beaumont  820 9.5%
73 Beeville  727 -3.0%
47 Big Lake  707 -5.6%
35 Big Spring  698 -6.8%
67 Blanco  722 -3.6%
124 Boerne  740 -1.2%
189 Bonham  792 5.7%
10 Borger  680 -9.2%
42 Bowie  707 -5.7%
134 Brady  750 0.1%
81 Breckenridge  728 -2.8%
89 Brenham  730 -2.6%
170 Bridge City  772 3.1%
23 Brownfield  691 -7.7%
18 Brownsville  684 -8.7%
115 Brownwood  736 -1.7%
141 Bryan  752 0.4%
142 Bullard  753 0.5%
130 Burleson  743 -0.8%
97 Burnet  730 -2.5%
179 Caldwell  780 4.1%
98 Cameron  730 -2.5%
5 Canyon  675 -9.9%
74 Carrizo Springs  727 -3.0%
178 Cedar Park  779 4.0%
116 Chandler  736 -1.7%
180 Clarendon  781 4.2%
164 Cleburne  768 2.5%
208 Cleveland  820 9.4%
82 Clifton  728 -2.8%
217 Clute  833 11.2%
60 Coleman  712 -4.9%
155 Colorado City  765 2.2%
90 Columbus  730 -2.6%
215 Coppell  833 11.2%
117 Copperas Cove  736 -1.7%
62 Corpus Christi  716 -4.4%
118 Corsicana  736 -1.7%
159 Crawford  767 2.4%
3 Crockett  666 -11.1%
75 Crystal City  727 -3.0%
76 Cuero  727 -3.0%
154 Daingerfield  764 2.0%
13 Dalhart  681 -9.0%
212 Dallas  825 10.2%
83 De Leon  728 -2.8%
27 Decatur  694 -7.4%
91 Del Rio  730 -2.6%
28 Denton  694 -7.4%
137 Diboll  751 0.3%
66 Dublin  721 -3.8%
17 Dumas  683 -8.8%
92 Eagle Lake  730 -2.6%
93 El Campo  730 -2.6%
183 El Paso  786 4.9%
48 Eldorado  707 -5.6%
139 Elgin  751 0.3%
193 Emory  797 6.4%
202 Ennis  810 8.1%
165 Fairfield  769 2.7%
29 Farmersville  694 -7.4%
203 Ferris  810 8.1%
176 Floresville  778 3.8%
4 Floydada  673 -10.2%
49 Fort Stockton  707 -5.6%
187 Fort Worth  788 5.2%
168 Frankston  772 3.0%
99 Fredericksburg  730 -2.5%
220 Friendswood  838 11.8%
14 Friona  681 -9.0%
30 Frisco  694 -7.4%
43 Gainesville  707 -5.7%
191 Galveston  796 6.3%
132 Gatesville  747 -0.3%
136 Georgetown  751 0.2%
161 Gilmer  768 2.5%
86 Goldthwaite  729 -2.6%
51 Gonzales  708 -5.5%
44 Graford  707 -5.7%
45 Graham  707 -5.7%
156 Granbury  766 2.2%
197 Greenville  800 6.8%
2 Groesbeck  653 -12.8%
84 Hamilton  728 -2.8%
19 Harlingen  684 -8.7%
109 Hearne  735 -1.9%
152 Henderson  762 1.7%
153 Hondo  762 1.8%
228 Houston  965 28.8%
31 Howe  694 -7.4%
102 Huntsville  733 -2.2%
157 Hutto  766 2.2%
188 Ingram  790 5.5%
211 Italy  824 10.1%
46 Jacksboro  707 -5.7%
131 Jacksonville  744 -0.7%
103 Jasper  733 -2.2%
55 Johnson City  711 -5.1%
77 Junction  727 -3.0%
78 Karnes City  727 -3.0%
226 Katy  943 25.9%
185 Kaufman  787 5.0%
194 Keller  799 6.6%
79 Kerrville  727 -3.0%
162 Kilgore  768 2.5%
177 Killeen  778 3.8%
94 Kingsville  730 -2.6%
145 Kyle  754 0.7%
80 La Grange  727 -3.0%
41 Lamesa  700 -6.5%
114 Lampasas  735 -1.9%
95 Laredo  730 -2.6%
120 Leakey  737 -1.6%
184 Leander  787 5.0%
119 Lewisville  737 -1.6%
199 Lexington  804 7.4%
143 Lindale  753 0.5%
58 Little Elm  712 -4.9%
100 Llano  730 -2.5%
65 Lockhart  720 -3.9%
163 Longview  768 2.5%
15 Lubbock  682 -8.9%
138 Lufkin  751 0.3%
210 Lumberton  822 9.8%
190 Mabank  795 6.2%
195 Mansfield  799 6.6%
140 Marble Falls  751 0.3%
50 Marfa  707 -5.6%
110 Marlin  735 -1.9%
158 Marshall  767 2.4%
101 Mason  730 -2.5%
20 McAllen  684 -8.7%
160 McGregor  767 2.4%
32 McKinney  694 -7.4%
221 Mesquite  838 11.9%
11 Midland  681 -9.1%
24 Mineral Wells  692 -7.6%
22 Mission  688 -8.1%
218 Montgomery  836 11.7%
122 Mount Pleasant  739 -1.3%
123 Mount Vernon  739 -1.3%
6 Muleshoe  676 -9.7%
148 Nacogdoches  756 0.9%
121 Navasota  737 -1.6%
149 Nederland  757 1.1%
204 New Braunfels  811 8.2%
12 Odessa  681 -9.1%
56 Olney  711 -5.1%
171 Orange  772 3.1%
54 Ozona  711 -5.1%
105 Palacios  734 -2.0%
200 Palestine  806 7.7%
7 Pampa  676 -9.7%
68 Paris  722 -3.6%
224 Pasadena  927 23.8%
222 Pearland  838 11.9%
57 Pecos  712 -5.0%
196 Pflugerville  799 6.7%
36 Pilot Point  698 -6.8%
85 Pittsburg  729 -2.7%
8 Plainview  676 -9.7%
37 Plano  698 -6.8%
174 Pleasanton  775 3.4%
125 Port Aransas  740 -1.2%
213 Port Arthur  825 10.2%
106 Port Lavaca  734 -2.0%
38 Princeton  698 -6.8%
61 Raymondville  715 -4.6%
126 Robstown  740 -1.2%
111 Rockdale  735 -1.9%
107 Rockport  734 -2.0%
39 Rockwall  698 -6.8%
201 Rosenberg  809 8.1%
166 Round Rock  770 2.8%
207 Rowlett  818 9.3%
133 Rusk  748 -0.1%
192 Salado  797 6.3%
87 San Angelo  730 -2.6%
227 San Antonio  956 27.6%
151 San Marcos  759 1.4%
112 San Saba  735 -1.9%
230 Seabrook  1,033 38.0%
108 Sealy  734 -2.0%
205 Seguin  811 8.2%
25 Seminole  694 -7.4%
40 Sherman  698 -6.8%
34 Silverton  695 -7.2%
113 Smithville  735 -1.9%
63 Snyder  716 -4.4%
9 Spearman  676 -9.7%
128 Stephenville  741 -1.1%
96 Sulphur Springs  730 -2.5%
64 Sweetwater  716 -4.4%
167 Taylor  770 2.8%
182 Temple  781 4.3%
186 Terrell  787 5.0%
172 Texarkana  773 3.2%
Texas Average 749 0.0%
198 Texas City  801 7.0%
219 The Woodlands  836 11.7%
175 Three Rivers  775 3.5%
225 Tomball  929 24.1%
173 Tyler  774 3.3%
147 Uvalde  756 0.9%
72 Van Horn  724 -3.4%
135 Victoria  751 0.2%
169 Waco  772 3.0%
214 Waxahachie  832 11.0%
69 Weatherford  722 -3.6%
129 Westlake  743 -0.9%
206 Wharton  812 8.4%
144 Whitehouse  753 0.5%
33 Wichita Falls  694 -7.4%
181 Wills Point  781 4.3%
146 Wimberley  754 0.7%
150 Wylie  758 1.2%

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

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