As with car insurance, motorcycle insurance rates vary widely from state to state. The best cheap motorcycle insurance in Texas may not be the best option in other states. Our team has reviewed the best motorcycle insurance companies nationwide, and we’ve focused our research here to bring you our top insurer recommendations specifically for Texas residents.
While we take a close look at local service ratings and premium costs, keep in mind that your own rates may vary. Insurers take numerous factors into account when determining motorcycle insurance rates, so the cheapest provider for one rider may not be the best option for another. To get an idea of what you might pay for motorcycle insurance in Texas, use the tools in the box below to start comparing rates.
In this article:
- 5 Best Cheap Motorcycle Insurance Companies In Texas
- Texas Motorcycle Insurance Requirements
- Cost Of Texas Insurance
- What To Know About Riding In Texas
- Final Thoughts
- FAQ: Motorcycle Insurance In Texas
5 Best Cheap Motorcycle Insurance Companies In Texas
To determine the best cheap motorcycle insurance companies in Texas, we considered local reviews, regional satisfaction surveys, and local quotes. Each of the recommended providers below scored well in our overall ratings and offered competitive rates when we reached out for a motorcycle insurance quote in Texas.
|Best Cheap Motorcycle Insurance: |
|RideApart Rating||Customer Service||Affordability||Coverage|
|1. Progressive Motorcycle Insurance||4.5||3.5||4.5||4.5|
|2. Nationwide Motorcycle Insurance||4.0||3.5||3.0||4.0|
|3. Geico Motorcycle Insurance||4.5||4.0||5.0||4.5|
|4. Dairyland Motorcycle Insurance||4.0||3.5||4.0||4.0|
|5.Allstate Motorcycle Insurance||4.0||4.0||3.0||4.0|
*You may notice that some motorcycle insurance companies are ranked above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for motorcycle insurance in Texas.
#1 Progressive: Best Overall Motorcycle Insurance Coverage In Texas
Progressive is a well-regarded national insurer that has received an A+ rating from both the Better Business Bureau (BBB) and AM Best, indicating that the company treats its customers fairly and has the financial strength to meet its claim obligations.
In Texas specifically, Progressive is highly rated when it comes to customer service. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, Progressive ranked second overall with 848 points out of 1,000. It ranked behind Texas Farm Bureau, which does not offer motorcycle insurance.
Progressive has some of the lowest-priced minimum coverage options, based on our cost research. We reached out for quotes from several providers and found Progressive to have the lowest rates. Note that your own quote experience may vary.
To learn more, read our full Progressive motorcycle insurance review.
#2 Nationwide: Cheap Full Coverage Insurance In Texas
Like Progressive, Nationwide also has an A+ rating with the BBB and an A+ financial strength score from AM Best. While Nationwide customer service scores are about average, the company offers especially low rates for low-risk riders.
In our cost research, Nationwide offered the cheapest quote for full coverage insurance (which includes liability coverage, collision coverage, and comprehensive coverage). If you’re looking for a low-cost way to insure your bike in Texas, be sure to get a quote from Nationwide.
Learn more by reading our full Nationwide motorcycle insurance review.
#3 Geico: Best Overall Nationwide Insurer
Geico topped our chart for best motorcycle insurance nationally, and is often one of our top picks in each state. For the state of Texas, Geico offered low quotes for minimum and full coverage policies.
The provider is also highly regarded by Texas residents. In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, Geico ranked third overall with a score of 846 out of 1,000. The company is also known for its reliability, as Geico has an A+ rating from the BBB and is among the most financially stable motorcycle insurers with an A++ financial strength score from AM Best.
In addition to basic motorcycle insurance policy options, Geico customers can purchase extra coverage for helmets and accessories, as well as roadside assistance coverage. Learn more about this insurer by reading our full Geico motorcycle insurance review.
#4 Dairyland: Best For High-Risk Riders In Texas
Dairyland partners with Sentry to provide motorcycle insurance coverage, specializing in high-risk motorcyclists. Many insurers that offer great coverage and policies for high-risk riders tend to be more expensive, but Dairyland is an exception. Our team received competitive rates from the provider that were on par with the top motorcycle insurance companies in Texas.
You can be confident in a policy with this insurer knowing that both Dairyland and Sentry have an A+ rating with the BBB, as well as a long history of meeting customer claim obligations.
Learn more by reading our complete Dairyland motorcycle insurance review.
#5 Allstate: Great Local Insurance Agents In Texas
While Progressive and Nationwide offered the lowest quotes for motorcycle insurance in Texas in our cost research, Allstate came in a close third for minimum coverage policies. However, a full coverage policy with Allstate was a little pricier than competitors. We looked at prices for a low-risk rider for Texas, though our national research found that Allstate tends to offer more competitive rates for high-risk riders.
Your cost may also vary from city to city, as Allstate works through a network of local independent insurance agents. You can expect a Texas motorcycle insurance expert to guide you through your policy options if you reach out to your local Allstate agent. Allstate is rated A+ by the BBB and fields a relatively low volume of complaints for a company of its size.
To learn more, read our full Allstate motorcycle insurance review.
Texas Motorcycle Insurance Requirements
As with car insurance, motorcycle insurance requirements vary from state to state. In many states, the minimum required car insurance and minimum required motorcycle insurance are the same, though this is not always the case.
Texas is an at-fault state, which means that fault is important when determining insurance settlements. At-fault states typically have fewer coverage requirements. In the state of Texas, all motorcyclists are required to carry the following minimum coverage:
- $30,000 per person bodily injury liability
- $60,000 per incident bodily injury liability
- $25,000 per incident property damage liability
You are only required to carry liability insurance to legally ride your bike on public roads, but it is generally recommended that you purchase comprehensive and collision coverage as well. Liability policies will only pay for damages to other vehicles and people, while comprehensive and collision coverage will pay to cover the repair or replacement cost of your own bike. You might also consider medical benefits that cover your hospital bills after a crash in which you are at fault.
Cost Of Texas Insurance
Motorcycle insurance costs vary for every rider. There is no one cheapest provider for everyone, and insurance companies set rates based on factors such as:
- Driving record
- Riding experience
- Marital status
- Type of motorcycle
- Anti-theft features
Other factors can also impact your rates and which motorcycle insurance discounts (such as multi-policy discounts or homeowner discounts) you are eligible for. Rates also vary from city to city. To give you an idea of what to expect from Texas motorcycle insurance rates, we reached out for several quotes from top providers.
The quotes in the tables below are for a 30-year-old single male motorist with five years of riding experience. The bike is a 2018 Harley FLHX Street Glide, a cruising motorcycle with a 1750cc engine.
|Provider||Monthly Cost||Down Payment||Total Annual Cost|
|Provider||Monthly Cost||Down Payment||Total Cost|
For context, motorcycle insurance rates in Texas are only slightly higher than national average rates.
What To Know About Riding In Texas
In order to ride a motorcycle in Texas, you’re required to have a valid motorcycle endorsement on your license. In order to get this endorsement, you must pass an approved motorcycle safety course as well as a vision test and riding test. Minors between 15 and 17 need a class C learner’s permit, a provisional driver’s license, and 32 hours of driver’s education before they can apply for a motorcycle endorsement.
You are required to wear a helmet while riding a motorcycle if you are under 21. Older riders can choose not to wear a helmet, though it is always recommended. According to the Texas Department of Transportation, 412 motorcyclists were killed in Texas in 2019 and more than 1,800 riders were seriously injured.
Motorcycle insurance is required for riders in Texas. While the best cheap motorcycle insurance in Texas may be different for every person, Progressive, Nationwide, Geico, Dairyland, and Allstate all offer quality, affordable motorcycle insurance options. The cheapest option will depend on your rider profile and what type of coverage you want.
To find the best price and coverage options for your needs, comparing quotes from our top-rated insurers is a great place to begin. Use the tool below to get started.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of motorcycle insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings, nationwide availability, and customer-first business practices receive the highest scores in this category.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost: Our research team reviews motorcycle insurance quotes for a variety of drivers in every state. Companies with lower prices and many motorcycle insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts.