What Is The Best Motorcycle Insurance In Texas? Everything You Need To Know

Explore top providers, coverage options, and essential tips to ensure you get the right policy for your needs.

Discover the best motorcycle insurance options in Texas with our comprehensive guide.

Compare rates, understand state requirements, and ride with confidence knowing you’re protected on the road

Motorcycle insurance is a legal necessity in Texas, and for valid reasons.

The Best Motorcycle Insurance In Texas
The Best Motorcycle Insurance In Texas

In 2019 alone, over 1,800 motorcyclists suffered severe injuries in the state, as reported by the Texas Department of Transportation.

These policies meet the minimum insurance requirements in Texas but offer no additional coverage.

Therefore, riders should not base their decisions solely on obtaining the lowest rates.

Opting for full coverage, which includes comprehensive and collision coverage, is a wiser choice.

Here are the carriers offering the cheapest motorcycle insurance in Texas with liability-only coverage:

  • Progressive: $79 per year
  • Markel: $89 per year

Progressive’s rates are 86.59% lower than the priciest option in Texas, which is Nationwide.

Nationwide offers its liability-only policies at a substantial cost of $589 per year.

An Infographic About The Best Motorcycle Insurance In Texas

Average Annual Premium For Liability Coverage

Company | Annual Premium

  1. Progressive | $79
  2. Markel | $89
  3. GEICO | $103
  4. Harley-Davidson | $115
  5. Dairyland | $128
  6. Nationwide | $589

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Cheapest Full Coverage Motorcycle Insurance Quotes in Texas

A full-coverage policy provides comprehensive and collision coverage, making it the optimal insurance choice for Texas riders.

Comprehensive insurance safeguards a rider’s bike against non-accident-related damage, while collision coverage covers damages to the motorcycle in case the rider is at fault in an accident.

Riders still paying off their bikes are mandated to have full-coverage insurance rather than liability-only.

The carriers offering the cheapest full-coverage in Texas are:

  • Dairyland: $205 per year
  • Harley-Davidson: $292 per year

Nationwide provides the most expensive full-coverage policies in Texas, charging approximately $1,125 per year.

Dairyland is 81.78% cheaper than Nationwide, underscoring the importance of comparing various motorcycle insurance quotes in Texas before finalizing a decision.

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Average Annual Premium For Comprehensive And Collision

Company | Annual Premium

  1. Dairyland | $205
  2. Harley-Davidson | $292
  3. Progressive | $334
  4. GEICO | $392
  5. Markel | $486
  6. Nationwide | $1,125

What Is the Average Motorcycle Insurance Cost in Texas?

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 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.

How To Obtain a Motorcycle Insurance Quote in Texas

Before seeking motorcycle insurance quotes in Texas, riders should gather the following information:

  • Insurance coverage preferences (details below)
  • Personal details about the rider, including age, riding history, insurance history, etc.
  • ZIP code and address in Texas where the rider and motorcycle are located
  • Details about the motorcycle’s year, make, and model
  • Additional background information on current assets

Determining Your Motorcycle Insurance Coverage Needs in Texas

The minimum insurance requirements for motorcycles can vary from state to state.

In Texas, motorcycle insurance laws mandate the following minimum coverages:

  • $30,000 in bodily injury liability per person (BI)
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability (PD)
  • Personal injury protection (PIP)
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