Best Motorcycle Insurance in Texas

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Everything’s bigger in Texas, including your motorcycle insurance premiums. The average cost is 44% higher than the national average: $62 a month or $729 a year. Texas also ranks 3rd in the nation for uninsured drivers, so getting appropriate coverage requires some forethought and research to make sure you’re getting the best deal.

That’s why I set out to find which companies in the state are most likely to offer the cheapest policies, at both state-minimum and upgraded coverage levels. To do this, I rounded up quotes from local providers, but quotes can vary widely based on your address, your vehicle, and other factors. For best results, compare by getting your quotes using the tool below.

Find the Best Motorcycle Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

I used similar methodology as The Simple Dollar’s national review of motorcycle insurance and took it to the local level. I started with the eight biggest companies that met the same coverage and financial stability requirements as the national review: an “A-” or better from A.M. Best and all my “must have” coverages (collision, comprehensive, medical payments, liability, and uninsured motorist coverages.) Then I eliminated the two providers that do not write policies directly in the state of Texas to cut out the middlemen.

Because the average American motorcycle rider is around 41 years old and male,  I got quotes for Lenny, a 40-year old bachelor and homeowner in San Antonio. He likes to spend his weekends on his Harley Road King, touring the countryside. He can load up the saddlebags with camping gear and enjoy a smooth ride clear to the state lines. Lately, he’s been thinking about giving up on the big city and moving out near Alpine to get the ranch that his cowboy heart desires. Until then, Lenny needs some straight-shooting insurance coverage that he can trust.

I focused on pricing during my evaluation, but I didn’t neglect reviewing things like policy offerings, online tools, and unique service features — affordability is great, but not at the expense of a sub-par policy with terrible customer service. I also considered local needs, such as uninsured motorist coverage, to find out which Texas provider is most likely to give you the best value for your money.

The Best Texas Motorcycle Insurance

Motorcycle Insurance CompanyAwardMy Quote
NationwideCheapest Upgraded Policy$43/Month
ProgressiveCheapest Bare-Bones Policy$9/Month
EsuranceHonorable Mention$17/Month

Texas motorcycle Insurance Reviews

Nationwide: Cheapest Upgraded Policy

For just $43 per month, Nationwide covered Lenny, the bike, and uninsured motorists at limits that can allow one to ride free and rest easy. The upgraded policy I got quotes for included $50,000 in bodily injuries for each injured person in an accident, $100,000 total for all bodily injuries per accident, and $25,000 for property damage per accident, with uninsured motorists coverage for the same amounts. This is more than the minimum required by the state, but given the Texas motorcycle data that I’ll get to later, these limits seem more appropriate.

To compare, similar policies from Progressive and Esurance were quoted at $71 per month and $73 per month respectively. This means that choosing Nationwide could save you almost $30 per month for the same coverage, around $340 a year. Nationwide offers plenty of discounts as well. Lenny qualified for 3 (anti-lock brakes, homeowner, and paid-in-full), and there’s a massive list of partnering organizations that you may be affiliated with, such as select universities across the country, to get even more savings.

Nationwide also offers a wide range of additional coverage that other customers may appreciate and not be able to find elsewhere. For example, Nationwide offers coverage for trikes, but Progressive doesn’t. Nationwide also covers custom motorcycles whereas Esurance does not. Nationwide can give you the most options for the most robust policy at the lowest price around.

Progressive: Cheapest Bare-Bones Policy

If you’re interested in only the minimum insurance required by the state and nothing more, Progressive can deliver for the low price of $9 per month. Similar coverage would cost $10 per month from Nationwide and $17 per month from Esurance. This $9-per-month quote was the result of 6 total discounts that Lenny qualified for: motorcycle endorsement, anti-lock brakes, and responsible driver just to name a few, making Progressive the most economical. Full warning, however, that the cheapest policy is not always best. Seriously consider an upgraded policy to protect you and your finances from the unthinkable.

If you are looking for upgraded coverage, Progressive is a worthy second choice as well. At $71 per month, you’ll pay more than you would with Nationwide, but you’ll get more too. As with Nationwide, the upgraded policy I researched includes higher liability limits and uninsured motorist’s coverage. Unlike Nationwide or Esurance, Progressive’s upgraded policy automatically comes with $3000 accessory coverage and $100 deductible for comprehensive damages, which is valid for any damage except collision. For example, if Lenny’s bike is damaged in a freak hail storm to the tune of $500, he can pay his $100 deductible and let insurance take care of the rest. This coverage would cost him an extra $28 per month (or $336 a year) over Nationwide, but in this scenario, the difference would pay for itself.

Esurance: Honorable Mention

Esurance gave Lenny the second cheapest quote for upgraded coverage ($71 per month) and third cheapest for a bare-bones policy ($17 per month.) This is still competitive in terms of pricing, and Lenny saved a total $15 per month in discounts, which is almost the entire cost of the bare-bones policy itself. Esurance definitely deserves a second look if you’re shopping around.

Esurance provides some unique tools for customers that may make it worth the extra cash on those premiums. It is the only company in my top three to offer an app for filing claims, checking claim status, and other convenient functions by phone. There is also a cool “what if” tool for policy holders with which you can calculate the effect on your premium of getting a speeding ticket, moving to a different zip code, or other potential life changes. The quote process was also incredibly smooth and user-friendly, including a line by line breakdown of how much each additional item factors into the total. This is a small, nice touch that not all providers have, and it was much appreciated as a potential customer trying to make a cost-effective decision.

Unlike Progressive and Nationwide, there is no option to find a local agent, so keep that in mind if you prefer to do your insurance business in person. Overall, though, Lenny could be getting better service for a mere $1 more than Progressive for the bare-bones coverage, and only $28 more than Nationwide for an upgraded policy. Use the quote tool below to compare what other providers offer for your unique situation.

Find the Best Motorcycle Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Texas’ Motorcycle Insurance Minimum Requirements

If you have a motorcycle in Texas, insurance is required by law. Your coverage must meet the state minimums of $30,000 in bodily injury coverage for each injured person in an accident, up to $60,000 total for all bodily injuries per accident, and $25,000 for property damage per accident. In insurance terms, this is referred to as “30/60/25.”

The cheapest motorcycle insurance policy isn’t always the best.

These minimums are a bit higher than in surrounding states, but even these won’t be enough to fully cover you in most cases. Here are some unsettling numbers:

  • In 2013, motorcycle riders represented 15% of all traffic-related deaths in Texas with approximately 500 people. These numbers are only going up, compared to a decrease nationally.
  • The Governors Highway Safety Association reports that half of all fatal motorcycle crashes in Texas occur because a car or truck driver never saw the motorcyclist.
  • Texas has 1.6 million uninsured drivers, ranking the 3rd highest in the nation according to the Insurance Research Council.
  • A motorcycle crash could cost you up to $1.4 million if it’s non-fatal. Non-fatal disabling injuries cost an average of $80,700.
  • In 2015, there were 1,887 capacitating injuries and 3,324 incapacitating injuries among Texas motorcycle riders and passengers.

Taking this into account, I would recommend upgraded coverage of at least 50/100/25, or $50,000 in bodily injuries for each injured person in an accident, $100,000 total for all bodily injuries per accident, and $25,000 for property damage per accident. I would also recommend uninsured motorists coverage for the same amounts.

Imagine Lenny is out for one of his weekend camping trips. Passing through an intersection on a country road, he’s blindsided by a driver who didn’t see him. The driver is uninsured, and Lenny miraculously survives the collision but is unconscious for several days. After that, he is off work for 8 weeks recovering from his severe injuries. All of this amounts to $80,700 in medical bills and vehicle damage, not to mention lost wages, and the other driver has no insurance.

In this scenario, Progressive’s bare-bones policy would cover up to $30,000 of the injury costs per person and $25,000 of the property damages. Choosing that policy rather than upgraded coverage with Nationwide would save Lenny $408 over the course of a year, but he could be left with up to $25,700 to pay out of pocket if the costs exceed his limits. The upgraded coverage from Nationwide, however, would likely cover all of the costs, leaving Lenny one less thing to worry about in his recovery. The upgraded policy would cost $34 more per month, but in the end, that peace of mind would be priceless.

Give me a home, where low premiums roam

If Lenny decides to move out to the ranch, his motorcycle premiums for upgraded coverage could be significantly lower. Look at the difference in quotes, changing nothing but the zip code:

 NationwideProgressiveEsurance
Minimum Coverage
San Antonio, TX
$10/month$9/month$17/month
Upgraded Coverage
San Antonio, TX
$43/month$71/month$73/month
Minimum Coverage
Alpine, TX
$10/month$11/month$19/month
Upgraded Coverage
Alpine, TX
$32/month$54/month$79/month

While the quotes for bare-bones policies are generally the same between locations, the difference for upgraded coverage can be significant. For policies with Nationwide or Progressive, for example,  the address change could save Lenny $132 or $204 per year, respectively.

Alpine could be a great place to have a motorcycle in more ways than one. There’s beautiful scenery with mountain views, plenty of wide open spaces, and a town center that caters to tourists. Also, your motorcycle premiums could rank among cheapest in the state, reportedly around 30% less than the state average.

San Antonio has more people, more traffic, more crime, and, wouldn’t you know it, higher premiums. For motorcycles, these are nearly 28% higher than the state average, making San Antonio the 4th most expensive city for motorcycle coverage in Texas. If the urban excitement and NBA basketball are worth it, proceed at your own risk.

The Bottom Line

For the cheapest possible motorcycle insurance in Texas, check out bare-bones coverage from Progressive. But don’t stop there — the only way to find the best and most affordable policy is to compare multiple quotes for yourself. And keep in mind that while affordability is key, a policy with higher limits and uninsured motorist coverage could end up saving you much more down the road.

Find the Best Motorcycle Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.