The Best Motorcycle Insurance in Texas 2020

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Everything’s bigger in Texas, including your motorcycle insurance premiums. The average cost of motorcycle insurance in the U.S. is $519 per year. Texas residents pay $62 a month or $749 a year on average to insure their motorcycles. 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.

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I used similar methodology as The Simple Dollar’s national review of the best 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.

Texas Motorcycle Insurance Reviews

Motorcycle Insurance Company My Quote
Nationwide $43/month
Progressive $9/month
Esurance $17/month


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.


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 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.

How do these motorcycle insurance companies compare?

Best Overall: Nationwide

Nationwide motorcycle insurance offers the best of both worlds—affordable monthly premiums with a high amount of coverage.

Best for Minimum Coverage: Progressive

If you’re looking to purchase the minimum amount of coverage required in Texas, Progressive offers plans with monthly premiums in the single digits.

Best for Discounts: Three-way tie

The three motorcycle insurance providers we evaluated here offer very similar discounts. Expect to save money on your monthly premiums if you have certain safety features installed on your bike, are a member of a motorcycle group, have taken an approved motorcycle safety course, insure multiple bikes, bundle your policies, pay your policy in full and more.

Best for Custom/Vintage Bike Owners: Progressive

Progressive has extensive experience with vintage bikes, and will work with you to determine the current value of your antique or vintage bike. They also offer coverage for custom and OEM parts, and will give you the full value of those parts if your motorcycle is damaged.

Best for Military Members: Esurance

Of the three insurance providers on this list, Esurance is the only company that provides insurance assistance to members of the military. If you are deployed, reassigned or are coming home from deployment, Esurance will help you get the coverage you need for your motorcycle, wherever it’s located.

Best for Policy Bundling: Three-way tie

All three insurance providers on this list allow customers to bundle their home, life and auto insurance policies. In fact, bundling your policies is likely to save you money on your monthly and annual premium.

Best for Customer Satisfaction: Esurance

In J.D. Power’s 2019 Insurance Shopping Study, Esurance received 4/5 power circles for overall satisfaction, and 4/5 circles for call center representative interaction. In comparison, Nationwide and Progressive received 2/5 circles and 3/5 circles respectively for overall satisfaction

Compare Affordable Motorcycle Insurance Rates in Texas

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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. According to Houston Public Media, 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, Texas motorcycle accidents involved 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.

Frequently Asked Questions

Is motorcycle insurance required in Texas?

Yes, the state of Texas requires all motorcycle owners to purchase insurance for their bike. The minimum amount of coverage required in Texas is $30,000 in injury coverage for each person in an accident, up to $60,000 for all injuries per accident, and $25,000 for property damage per accident.

What is the best motorcycle insurance provider in Texas?

Based on J.D. Power’s 2019 Insurance Shopping Study, Esurance received the highest ratings for overall satisfaction, policy offerings and price. However, the best motorcycle insurance provider depends on a number of personal factors, including the type of bike you own, your driving history and your budget.

How much will I spend on motorcycle insurance in Texas?

On average, motorcycle insurance in Texas costs about $749 per year. However, your premium is based on a number of factors that could increase or decrease those numbers.

How can I save money on my insurance premiums?

Motorcycle insurance in Texas is expensive, but there are many ways to save money on your insurance premiums. The insurance providers on this list all offer savings for safe drivers, policy bundling, paying your policy in full, being a member of a motorcycle group, taking an approved motorcycle safety course, installing safety features on your bike and more. Most insurance providers have a full list of the discounts they offer on their website.

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.

Compare Affordable Motorcycle Insurance Rates in Texas

Save money on motorcycle coverage with our simple comparison tool.