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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.
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
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
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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.
|Rank||Company name||Avg. annual premium|
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.
|City||Avg. annual premium|
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.
- Best for high-risk riders.
- Broad choice of additional coverages.
- Safe riders can find lower premiums elsewhere.
- High percentage of customer complaints.
- Affordable policies.
- Excellent standard coverage.
- 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
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.
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 email@example.com with comments or questions.