It’s legally required to have motorcycle insurance in Texas — and for good reason. According to the Texas Department of Transportation, more than 1,800 bikers were seriously injured in Texas in 2019. To help riders understand the various rates and coverages, MoneyGeek analyzed six carriers to find the best and cheapest motorcycle insurance in Texas. We’ll help you evaluate your options to find the best motorcycle insurance in Texas for you and your needs.
Motorcycle Insurance in Texas: The Cheapest Quotes and Best Companies
The Cheapest Motorcycle Insurance in Texas
Riders looking for the cheapest motorcycle insurance in Texas can look at liability-only policies. These policies satisfy the minimum Texas motorcycle insurance laws and requirements but go no further than that. This is why riders should opt not to make their decisions solely on the lowest motorcycle insurance rates in Texas. Instead, it’s better to get full coverage, which includes comprehensive and collision coverage.
In the analysis below, MoneyGeek examined a good rider in Texas with 50/100/25 liability-only coverage.
Cheapest Liability-Only Motorcycle Insurance Quotes in Texas
The carriers offering the cheapest motorcycle insurance in Texas with liability-only coverage rates include the following:
- Progressive: $79 per year
- Markel: $89 per year
Progressive’s rates are 86.59% lower than the most expensive option in Texas, which is Nationwide. Nationwide offers its liability-only policies at a hefty price of $589 per year.
Average Annual Premium for Liability Coverage
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- CompanyAnnual Premium
Cheapest Full Coverage Motorcycle Insurance Quotes in Texas
A full-coverage policy is the best insurance option for riders in Texas because it offers both comprehensive and collision coverage. Comprehensive insurance helps protect a rider’s bike in case it gets damaged outside of an accident, while collision coverage pays for damages to the motorcycle in case you are responsible for an accident.
Riders who are still in the process of paying off their bike are required to have full coverage insurance instead of liability-only.
In this analysis, MoneyGeek used a sample profile of a good rider in Texas with 50/100/25 coverage and a $500 deductible for comprehensive and collision coverage.
The carriers offering the cheapest full coverage motorcycle insurance in Texas are:
- Dairyland: $205 per year
- Harley-Davidson: $292 per year
In Texas, Nationwide offers the most expensive full coverage policies, charging around $1,125 per year. Dairyland is 81.78% cheaper than Nationwide, which goes to show just how important it is to look at various motorcycle insurance quotes in Texas before making a final decision.
Average Annual Premium for Comprehensive and Collision
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- CompanyAnnual Premium
What Is the Average Motorcycle Insurance Cost in Texas?
Motorcycle insurance quotes in Texas can vary based on a number of factors, as is the case with quotes all across the nation. Some factors that will influence the price of your quote include the coverage amounts, rider’s personal information and riding experience, the motorcycle’s year, make and model.
For full coverage policies, the average cost of motorcycle insurance in Texas is $472 per year or roughly $40 per month. This is 30.03% more than the national average of $363.
For liability-only policies, Texans pay an average of $184 per year or around $15 per month — $43 or 30.5% higher than the national state average of $141. This may be cheaper than full coverage policies, but remember that it does not protect riders or their bikes in case of an accident.
Policy coverage used to determine Texas averages were $50,000/$100,000 bodily injury coverage with $25,000 property damage, a $500 deductible for full coverage policies and PIP and Uninsured motorist minimum coverage if required.
Car Insurance Costs by Coverage Type
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- Policy TypeAverage 12-Month Cost in TexasAverage 12-Month National CostVariance
- Full Coverage$472$364$109
- Liability Only$184$141$43
The Best Motorcycle Insurance Companies in Texas
To find carriers that offer the best motorcycle insurance in Texas, we considered three main attributes: the company’s product offerings and selection, their service and their financial stability.
Based on these attributes, MoneyGeek discovered that Harley-Davidson offers the best motorcycle insurance in Texas.
- They offer a variety of discounts for riders with easy eligibility requirements
- They specialize in motorcycle insurance
- They have unique coverages for motorcycle riders, made by bikers
- They do not offer auto insurance
- Their premium perks are only available for HOG members
- They are not present in Hawaii, Alaska and Washington, D.C.
Harley-Davidson specializes in motorcycle insurance — so much so that they only offer motorcycle insurance. They have a MoneyGeek score of 97.01 out of 100 and were highly ranked in terms of total products and services. Their full coverage policies in Texas cost an average of $292 per year, while their liability-only policies cost around $115 per year. The company offers great discounts for riders — and even more perks for Harley Owners Group (HOG) members, where membership starts at $49 per year. Some easy-to-get discount requirements for members and non-members include: paying on time, having and insuring multiple bikes, taking the H-D™ Riding Academy New Rider Course and more. Given that Harley-Davidson specializes in motorcycles, it makes sense that they also cover multiple bike types — from standard motorcycles and sports bikes to trikes and scooters. They also offer guest passenger liability, optional equipment coverage, optional equipment replacement cost and rental reimbursement coverage.
- Offer discounts to riders who are part of a club or motorcycle association
- Has a mobile app to easily pay bills or review information
- Known to insure high-risk riders
- Does not offer their services in all states
- Does not have an official ‘claims response time’ promise
- Does not offer all their discounts in all states
Dairyland offers the next best motorcycle insurance in Texas. MoneyGeek gave them a score of 95.86 out of 100. Their full coverage policies are the cheapest in the state, costing an average of $205 per year, while their liability-only policies are around $128 per year. Aside from offering the standard bodily injury, personal property and comprehensive and collision insurance coverages, Dairyland also offers roadside assistance coverage, guest passenger and physical damage plus options. They also provide discounts with simple requirements, such as a multi-cycle discount, homeownership discount and more. Dairyland is accessible to policyholders through the mobile app and web portal, where riders can pay for their bills and view account information. They have different payment plans and payment methods to cater to all their clients.
- Offer a wide range of discounts
- Give discounts to policyholders who get a motorcycle insurance quote online or on the phone
- Reward policyholders who have had no accidents in three years
- They don’t offer their Large Accident Forgiveness coverage in NC, NY and CA
- Disappearing deductible is also not available in all states
- Perks and discount availability depends on the state and situation
Progressive was given a MoneyGeek score of 95.31 out of 100 in Texas, closely following Dairyland and ranking well in terms of affordability. Their liability-only policies are the cheapest in the state, costing an average of $79 per year, while their full coverage policies cost around $334 annually. The company understands that all riders have different needs, which is why they allow their policyholders to customize their policy and coverage limits. They even offer specialized motorcycle coverage, such as Carried Contents®, which covers personal belongings that riders have on their bike if they're damaged, stolen or lost. This includes phones, camping equipment or hunting gear. Progressive also offers plenty of opportunities for riders to qualify for discounts. For instance, their simpler and easy-to-get discounts include: requesting quotes online or on the phone, obtaining a motorcycle endorsement and paying in full. Some additional discounts come from being claims-free for at least three years and having a Progressive policy for at least four years.
How to Get a Motorcycle Insurance Quote in Texas
Before seeking motorcycle insurance quotes in Texas, riders need to prepare the following information:
- Insurance coverage elections (see below for more information)
- Personal information about the driver — age, riding history, insurance history, etc.
- ZIP code and address in Texas where the biker and bike are located
- Information on the motorcycle’s year, make and model
- Additional background information on current assets
How Much Motorcycle Insurance Coverage Do You Need in Texas?
The minimum requirements for motorcycle insurance can vary across states. Texas motorcycle insurance laws and requirements state that riders should have at least the following coverages:
- $30,000 in per-person bodily injury liability (BI)
- $60,000 in per-accident bodily injury liability
- $25,000 in property damage liability (PD)
- Personal injury protection (PIP)
How Much Insurance Coverage Is Required in Texas?
In Texas, motorcycle insurance laws and requirements mandate that riders have at least 30/60/25 in liability coverage. This means that there’s coverage of up to $60,000 for all persons in an accident and a limit of up to $30,000 per person. There should also be at least $25,000 in property damage liability. This is the minimum amount that an insurer will cover third parties for in case you get into an accident.
Do You Need Uninsured Motorist, Underinsured Motorist or PIP Coverage in Texas?
By default, motorcycle insurance in Texas includes personal injury protection (PIP) coverage unless a policyholder specifically states they want it removed. Uninsured motorist (UM) and underinsured motorist (UIM) coverage is not required.
While it’s possible to stick to the cheapest motorcycle insurance in Texas and get liability-only policies, MoneyGeek highly recommends that riders get a full coverage policy of at least 50/100/25 and preferably 100/300/100 because of the small incremental cost for a larger increase in coverage. Additionally, as Texas requires PIP coverage, we also recommend getting more than the state minimum to match the above-mentioned coverage.
Frequently Asked Questions About Motorcycle Insurance in Texas
Motorcycle insurance rates can be difficult to understand, especially for riders who are learning about the topic for the first time. We answered a few frequently asked questions to help you make the best choice.
MoneyGeek collected motorcycle insurance quotes in Texas from six carriers in the state based on varying coverage amounts and rider profiles to give bikers the cheapest options. The best motorcycle insurance companies in Texas were determined using three criteria. This included policy cost in Texas (60% weighting), product offerings and service (30% weighting) and financial stability metrics from AM Best (10% weighting). The most recent license laws and insurance coverage requirements in Texas were gathered from the state DMVs to ensure accurate and up-to-date information.
About the Author
- Injury Prevention. "Motor vehicle driver injury and marital status: a cohort study with prospective and retrospective driver injuries." Accessed March 9, 2021.
- Insurance Information Institute. "2020 Insurance Fact Book." Accessed June 11, 2021.
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- Texas Department of Transportation. "Crashes Take Heavy Toll On State’s Motorcyclists." Accessed May 11, 2021.
- Texas Department of Insurance. "Automobile insurance." Accessed May 11, 2021.