The Best Cheap Motorcycle Insurance in Texas

Dairyland has the cheapest motorcycle insurance in Texas, at about $22 per month for full coverage.

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Best cheap motorcycle insurance in Texas

Motorcycle owners in the Lone Star State need to have insurance. But it doesn't have to break the bank. We collected thousands of quotes from seven top companies to find the best motorcycle insurance for Texas riders.

ValuePenguin scored the best motorcycle insurance companies in Texas based on cost, coverage availability and customer service.

To find the cheapest companies, we compared quotes for a full coverage policy with collision and comprehensive coverage, plus higher liability limits than the state minimum. Full methodology.

Cheapest motorcycle insurance companies in Texas

Dairyland has the cheapest motorcycle insurance in Texas.

A full coverage policy from Dairyland costs $22 per month, which is 53% cheaper than the statewide average.

Cheapest motorcycle insurance rates in Texas

Compare Motorcycle Insurance Quotes in Texas

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The average cost of motorcycle insurance in Texas is $46 per month, or $556 per year. That's 39% more expensive than the national average.

Cheapest motorcycle insurance companies in Texas

Monthly rate
Dairyland logo
Progressive logo
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Best for most people: Progressive

  • Editor rating

  • Monthly rate

    $26 ?

Pros and cons

  • Lots of coverage options and discounts
  • Reliable customer service
  • Not the cheapest option

Progressive is our top recommendation for Texas motorcycle insurance.

While it's slightly more expensive than Dairyland, Progressive has more reliable customer service. Progressive gets 35% fewer complaints than competitors, according to the National Association of Insurance Commissioners (NAIC). That means you can count on Progressive to help get your bike fixed quickly after an accident.

A full coverage policy from Progressive costs $26 per month, which is 44% lower than the average in Texas. That's only $4 per month more expensive than Dairyland, the cheapest company.

A policy from Progressive also comes with more protection than most basic motorcycle policies.

For example, Progressive's policy includes full replacement cost coverage. That means it won't factor wear and tear into your payout after an accident so you can fix your bike with new parts.

In addition, Progressive also offers lots of discounts that are easy to earn, including discounts for:

  • Getting a quote at least one day before your new policy starts
  • Switching to Progressive from another company
  • Paying your bill on time, in full or using automatic payments
  • Having a valid motorcycle license or endorsement

Cheapest motorcycle insurance in TX: Dairyland

  • Editor rating

  • Monthly rate

    $22 ?

Pros and cons

  • Cheapest quotes in Texas
  • Replacement cost coverage for bikes under 3 years old
  • Fewer coverage options than other companies
  • Difficult claims process

Dairyland offers the cheapest motorcycle insurance in Texas, at $22 per month for a full coverage policy. That's $24 per month less than the Texas average.

Dairyland offers a few ways for bikers to upgrade their protection, like roadside assistance and rental car reimbursement.

You can also protect your new bike with replacement cost coverage for up to three years. That means if you wreck your motorcycle, Dairyland will help replace it with a new model. Most other companies only offer this coverage for bikes under 2 years old.

However, Dairyland doesn't offer trip interruption coverage, gap insurance or a disappearing deductible. Most major companies offer these options.

If you choose Dairyland, getting back on the road after an accident may take a long time. Dairyland gets 60% more complaints than its competitors, according to the NAIC. Most of these complaints are about a long claims process. You should consider getting rental car coverage if your motorcycle is your main vehicle. That way, you can get around while waiting for Dairyland to pay for repairs.

Best for military families: USAA

  • Editor rating

  • Monthly rate

    $25 ?

Pros and cons

  • Excellent customer service
  • Wide range of coverage options
  • Only available to military members, veterans and their families

USAA has the best motorcycle insurance in Texas for bikers with ties to the military.

Texas has the third-most active military service members of any state. Those military members, veterans and some family members can get affordable rates and excellent service on motorcycle insurance through USAA.

The company is known for having some of the best customer service around. USAA customers will have peace of mind knowing that the company will take good care of them in an emergency.

USAA doesn't sell motorcycle insurance directly. Instead, it partners with Progressive for coverage and offers members a 5% discount. Progressive already has very affordable rates, with an average of $26 per month before discounts. USAA's discount means that members can expect to pay around $25 per month for coverage.

Average cost of motorcycle insurance in Texas by city

Midland has the cheapest motorcycle insurance quotes among larger Texas cities, with an average of $39 per month.

Riders in Pasadena pay the highest rates, averaging $58 per month.

Full coverage motorcycle insurance quotes by city in TX

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Full coverage motorcycle insurance rates can vary by up to $19 per month, depending on where you live in Texas. Riders who live in big cities with lots of traffic and higher crime rates tend to pay more for motorcycle insurance. That's because they're more likely to file an insurance claim.

For example, rates for riders in Houston, Galveston and San Antonio are up to 18% higher than the state average.

Motorcycle laws in Texas

Texas has several laws for people who ride a motorcycle regarding protective gear, insurance and licensing. Even if you don’t live in Texas, you should understand these regulations if you plan to ride a motorcycle in the state.

Motorcycle insurance requirements in Texas

All riders are required to have motorcycle insurance in Texas. Riders must have a minimum amount of liability coverage, which can be listed as 30/60/25.

Medical payments, uninsured motorist, comprehensive and collision coverage aren’t required to drive a motorcycle in Texas. But you should consider adding them to your policy. If you’re in an accident, these coverage options will help pay for your injuries or property damage.

Texas helmet law

Texas law requires motorcycle drivers and passengers under 21 to wear a helmet at all times.

If you’re older than 21, you're still required to wear a helmet while riding unless:

  • You’ve completed a motorcycle safety course, or
  • You have health insurance that will pay for health care services, medical expenses and surgical expenses if you're in a motorcycle accident

Texas doesn’t require you to wear other gear besides a helmet. But you should consider eye protection and clothing tough enough to prevent road rash.

You may have to follow other gear requirements if you're active-duty military.

Motorcycle license requirements in Texas

The requirements to get a Texas motorcycle license, also called a Class M license, vary depending on 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 their Social Security number
  • Show proof of insurance
  • Provide their Texas vehicle registration, if they're surrendering an out-of-state license
  • Bring a certificate of completion for a motorcycle safety course approved by the Texas Department of Public Safety (DPS) within the past 24 months
  • Pass a vision exam
  • Have their 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. Texas may waive this requirement if you’re over 18.

If you’re applying for your first license and only want a Class M motorcycle license, you'll also need to complete:

  • The written test for car drivers
  • 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)

Frequently asked questions

How much is motorcycle insurance in Texas?

The average cost of motorcycle insurance in Texas is $46 per month for a full coverage policy. Riders can find the cheapest rates at Dairyland, where a policy costs around $22 per month.

What does Texas require for motorcycle insurance?

Texas requires riders to have a minimum of $30,000 of bodily injury liability coverage per person and $60,000 per accident, along with $25,000 of property damage liability coverage.

Which company has the cheapest motorcycle insurance in Texas?

Dairyland has the cheapest motorcycle insurance in Texas, at $22 per month for a full coverage policy. Riders should also compare quotes from Progressive, which has more coverage options and better customer service. A policy from Progressive costs around $26 per month.


To find the best cheap motorcycle insurance in Texas, ValuePenguin gathered rates across more than 50 of the largest cities in the state from seven top insurance companies. Rates are for a 45-year-old single man with a clean driving record who owns a 2018 Honda CMX500 Rebel.

Quotes are based on a full coverage policy. It includes higher liability limits than the state requirement and comprehensive and collision coverage.

  • Bodily injury liability coverage: $50,000 per person and $100,000 per accident
  • Property damage liability coverage: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Uninsured and underinsured motorist property damage: $25,000 per accident
  • Medical payments: $5,000
  • Comprehensive and collision deductible: $500

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.