Overall, the cheapest motorcycle insurance in Texas is offered by Dairyland with median rate of $33 per month or $401 yearly. However, Allstate, Geico, Progressive and Markel also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Texas
Updated: December 29, 2025
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Key Takeaways
For minimum coverage, Progressive is the cheapest motorcycle insurer and for full coverage, Dairyland offers the most affordable rates.
Motorcycle insurance in Texas costs an average of $12 per month for minimum liability coverage and $71 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Texas
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Dairyland | $33 | $401 |
Allstate | $37 | $443 |
Geico | $38 | $457 |
Progressive | $40 | $483 |
Markel | $44 | $531 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Minimum Liability Motorcycle Insurance in Texas
Progressive is the lowest cost motorcycle provider for minimum coverage in Texas with average rates of $81 per year or around $7 monthly. Compared to the state average, the company is 35% cheaper overall.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Progressive | $6.75 | 35% |
Markel | $7.58 | 27% |
Geico | $7.92 | 23% |
Harley Davidson | $13.76 | -33% |
Dairyland | $15.69 | -52% |
Cheapest Full Coverage Motorcycle Insurance in Texas
The cheapest full coverage motorcycle insurance provider in Texas is Dairyland with rates that are 25% lower than the state average. Below you can review other affordable providers in the state.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Dairyland | $53 | 25% |
Geico | $68 | 4% |
Progressive | $74 | -4% |
Markel | $79 | -11% |
Harley Davidson | $81 | -14% |
How Much Is Motorcycle Insurance in Texas?
The average annual cost of motorcycle insurance in Texas is around $124 for minimum coverage and $851 for full coverage. These costs make the state the 20th in affordability for minimum coverage and the 8th most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $12 | $124 | -20% |
Full Coverage | $71 | $851 | 49% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Texas Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Texas.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 35% on motorcycle policies in Texas. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Texas: Bottom Line
Our top three picks for affordable motorcycle insurance in Texas are Dairyland, Allstate, and Geico. However, if you are considering minimum coverage Progressive is the cheapest option in the state. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Texas Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Texas motorcycle insurance:
Which company has the cheapest car insurance in Texas?
For full coverage policies, Dairyland offers the cheapest option at $53 per month. For liability-only policies, Progressive offers riders the most affordable option for only $7 monthly.
How much does motorcycle insurance cost for most riders in Texas?
The average cost of motorcycle insurance in Texas is $851 per year or $71 monthly for full coverage policies and $124 annually or $12 monthly for liability-only policies.
Do you need motorcycle insurance in Texas?
Yes, Texas requires that all riders have motorcycle insurance with at least 30/60/25 in liability coverage.
How We Chose The Cheapest Motorcycle Insurance in Texas
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!