The Best Motorcycle Insurance in Texas

Texas motorcycle insurance isn’t optional if you want to ride your bike in the great state of Texas. In Texas, the average motorcycle insurance policy is $749 a year or $62 a month. That compares with a national average of $519 a year or $43.25 a month — a difference of nearly 45%. That doesn’t mean you can’t get great insurance for motorcycles in Texas without breaking the bank. To choose our top picks for the best motorcycle insurance in Texas, we used our proprietary SimpleScore system to rate insurers on accessibility, coverage options, customer service, discounts and customer support.

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    In this article

      The best motorcycle insurance in Texas

      • Best Overall: Nationwide
      • Best Minimum Coverage: Progressive
      • Best for Military Members: Esurance
      • Best for High-Risk Riders: Dairyland
      • Best Enhanced Coverage: Safeco

      Best in Texas overall – Nationwide

      Everything is bigger in Texas and Nationwide has taken that to heart by offering the biggest motorcycle coverage for Texans.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA+
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Nationwide 4.2
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 4

      Nationwide gives Texans the option to keep premiums at a minimum or enhance their motorcycle coverage with a wide range of added coverage. All of Nationwide’s policies include liability, collision, comprehensive, underinsured and uninsured coverage and personal injury protection. Getting a quote and a policy is quick and easy, and it doesn’t have to cost an arm and a leg. Customers also appreciate the wide array of discounts available, including the Vanishing Deductible program and the discounts for motorcycle safety features, policy bundling, paying your premium in full and completing an approved motorcycle safety course.

      Best minimum coverage – Progressive

      Smaller isn’t always better, unless it’s the smaller premiums offered by Progressive on motorcycle insurance.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 4

      Progressive calls itself the #1 motorcycle insurance company based on the fact that one in three insured motorcycle riders choose Progressive. It’s easy to see why this could be the case since Progressive not only has great rates, it also has a complete range of enhanced coverage options and discounts for things like loyalty, safety and multi-bike owners. It rates well in customer satisfaction too, so you won’t pay for your inexpensive motorcycle insurance with poor service.

      Best for military members – Esurance

      Esurance gets a salute from us for its policy of helping active military members get the motorcycle coverage they need.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA-
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Esurance 4.4
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 2
      Support 5
      Accessibility 5

      Esurance received four out of five power circles from J.D. Power in its 2019 Insurance Shopping Study, making it the top pick for customer service. Maybe that’s why Esurance goes the extra mile to provide coverage for military members. It also goes the extra mile in claims handling, with a mobile app that allows filing claims and following up on claims. Less tech-savvy customers can always get someone on the phone to talk with if they choose. Getting a quote and a policy from Esurance is a smooth process, and the company gives a line-by-line breakdown of costs as part of the quote. This is a nice feature and very helpful when deciding how to customize a policy.

      Best for high-risk riders – Dairyland

      Dairyland gives Texans the option for bare-bones coverage, making it a cowboy’s best friend.

      J.D. Power Rating
      N/A
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      2.8 / 5.0
      close
      SimpleScore Dairyland 2.8
      Discounts 2
      Coverage Options 5
      Customer Satisfaction N/A
      Support 2
      Accessibility 2

      You can get motorcycle insurance from dozens of companies, but very few are willing to accept high-risk riders. At Dairyland they specialize in non-standard motorcycle insurance, and a high-risk rider with a poor driving record can still get the coverage they need. One huge plus at Dairyland is their offering of SR-22 insurance, which riders need to keep or reinstate their driving privileges after being involved in certain types of traffic incidents such as DUI or driving with a suspended license. Policies are very affordable for these high-risk drivers, but since Dairyland is focused on non-standard motorcycle insurance those with a good driving record might find the premiums to be a bit pricey.

      Best enhanced coverage – Safeco

      Whether  you need basic or enhanced coverage Safeco is a choice that’s sure to please. 

      J.D. Power Rating
      4/5
      AM Best Rating
      A
      Standard & Poor’s
      A-
      SimpleScore
      4 / 5.0
      close
      SimpleScore Safeco 4
      Discounts 2
      Coverage 5
      Customer Satisfaction 4
      Support 4
      Accessibility 5

      Safeco is a Liberty Mutual brand, and like the parent company is proud to offer some of the cheapest insurance products. Basic policies cover everything necessary, but the enhanced coverage options are where Safeco really shines. The insurer has an impressive array of additional, optional coverage including trip interruption coverage, which is a rare offering at motorcycle insurance providers. Granted, these enhanced coverage options are more expensive than the basic coverage required by law, but these enhanced coverage options also mean you can ride with peace of mind.

      Compare Affordable Motorcycle Insurance Rates in Texas

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        How much does motorcycle insurance cost in Texas?

        Texans pay quite a bit more for motorcycle insurance when compared with the rest of the U.S. In Texas the average motorcycle insurance policy runs $749 a year or $62 a month. That compares with a national average of $519 a year or $43.25 a month, a difference of nearly 45%. Of course those are only averages. Motorcycle insurance costs are impacted by a number of factors, including:

        • your age
        • where you live
        • the type of bike you ride
        • how often you ride
        • modifications to your bike
        • your credit score
        • and more

        Each state determines minimum coverage requirements, and in Texas this is $30,000 injury coverage per person, $60,000 injury coverage for all injuries, and $25,000 for property damage. In addition to this, Texas law requires insurance companies to include $2,500 in personal injury protection (PIP), although the policyholder is free to purchase more than this.

        [ Read: The Best Car Insurance Companies]

        Texas average motorcycle insurance cost per carrier 

        Insurance Company Texas avg. cost Texas monthly avg. cost Texas weekly average.
        Nationwide$683$56.92$13.13
        Progressive$645$53.75$12.40
        Esurance$1,406$117.17$27.04
        Dairyland$704$58.67$13.54
        Safeco$588$49.00$11.31

        The cheapest motorcycle insurance in Texas

        When looking at average costs in Texas Safeco is the least expensive motorcycle insurance, while Esurance is the most expensive. Of course motorcycle insurance premiums are extremely variable and dependant on a huge number of variables. Because of this we recommend you always shop around and get quotes from at least 4 different insurance providers to find the cheapest motorcycle insurance for your specific case.

        RankCompany name Avg. annual premium 
        5Safeco$588
        4Progressive$645
        3Nationwide$683
        2Dairyland$704
        1Esurance$1,406

        The cheapest motorcycle insurance in Texas, by city

        No matter where you live in the country, you’re going to pay more for motorcycle insurance if you live in a large city, and Texas is no different. Premiums in Dallas, Houston and San Antonio clocked in as 18% to 34% higher than the state average. In contrast, the premiums in smaller cities such as Amarill and Odessa came in lower than the state average.

        CityAvg. annual premium 
        Amarillo$727
        Austin$857
        Dallas$965
        Galveston$875
        Houston1,014
        Odessa$730
        San Antonio$1,071
        Waco$820

        Choosing your provider

        We’ve mentioned it before, but it bears repeating – motorcycle insurance premiums are based on many different factors and that means comparison shopping is necessary if you want the lowest rates and the best coverage. We also recommend not to avoid local and regional insurance providers. They know the local areas best and often have the best combination of price, coverage and service.

        [ More: Do You Need Insurance for a Moped or Scooter? ]

        Local Provider

        Pros 

        • Best for high-risk riders.
        • Broad choice of additional coverages.

        Cons 

        • Safe riders can find lower premiums elsewhere.
        • High percentage of customer complaints.

        Regional Provider

        Pros

        • Affordable policies.
        • Excellent standard coverage.

        Cons 

        • Claims process isn’t always quick.
        • Policy enhancements are more expensive than average.

        Things to know about motorcycle insurance in Texas

        Texas has minimal requirements for insurance, and you can get by with a very cheap policy covering your insurance for motorcycles in Texas, but you’ll certainly be putting yourself at risk. Adding additional coverage and raising limits will certainly cost you more in your monthly premium payments, but that small additional monthly amount could save you from a catastrophic loss if you get into a serious accident without sufficient coverage.

        Whatever you decide is certainly your own business. There are tens of thousands of Texans who choose to ride without even the most basic coverage, but that is very risky. Not only could it cost you in fines, but it could also cost you your license. 

        Minimum motorcycle insurance requirements in Texas

        Motorcycle insurance is required for every rider in the state of Texas. There are also state-mandated minimum liability coverage requirements as follows:

        • $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

        [ See: What’s My State’s Minimum Coverage for Car Insurance? ]

        Insurers are also required to provide $2,500 in personal injury protection insurance. What isn’t required by state law is uninsured/underinsured coverage and medical payment insurance. However, we do recommend you at least consider these when purchasing your policy. They can give you much better protection for your own injuries, for property damage and for accidents where the fault is with an uninsured rider or motorist.

        Texas motorcycle insurance FAQs

        Texas law requires motorcycle insurance for all riders in the minimum amounts of $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 and $25,000 property damage liability coverage.

        The best  provider for you is going to depend on your needs and specific circumstances, and the type of coverage you require. We recommend shopping around and getting quotes from a minimum of four motorcycle insurance providers to get the best combination of coverage and price.

        Your cost for motorcycle insurance in Texas will vary depending on a number of factors including your age, what kind of bike you ride, your experience level and a host of other factors. In general, those in larger cities pay more, and those with more experience riding will pay less.

        There are several ways to save money on motorcycle insurance premiums. These include:

        • Maintaining a safe driving record
        • Policy bundling
        • Paying your annual premium in full
        • Completing an approved motorcycle safety course

        Last updated November 20, 2020 – Updated editorial buying guide.

        We welcome your feedback on this article and would love to hear about your experience with the motorcycle insurers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Steven Walters

        Contributing Writer

        An avid traveller and hiker, Steve has been writing in the personal finance, investing, and blockchain spaces for nearly a decade. His writing has been featured on Financial Samurai, Free Money Finance, Coin Bureau, and a number of other personal finance and investing sites.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.