Texas Motorcycle Insurance: Costs, Laws, and Quotes

Texas motorcyclists see about-average insurance despite a year-round riding season. Here’s how to find the best policy.
Written by Kathryn Kurlychek
Reviewed by Bellina Gaskey
In Texas, the average cost of
motorcycle insurance
is $591 per year, or $49 per month. This is slightly above the national average of around $519.
  • Motorcycle insurance rates in Texas are above the national average thanks to a year-round riding season.
  • Popular motorcycle insurance providers in Texas include Nationwide and Progressive.
  • If you have a history of violations, you may want to consider an insurer like Dairyland for high-risk motorcycle coverage.

How to find cheap motorcycle insurance quotes in Texas

To find the cheapest rates on motorcycle insurance in Texas, you’ll want to compare multiple quotes from different insurance providers. We suggest getting quotes from 3-5 providers to find the lowest rate for the coverage you need.

Average cost of motorcycle insurance in Texas

On average, insuring a motorcycle in Texas costs $591 per year, or $49 per month. 
That’s not too far off from the national average of $519 per year. But it’s important to remember that averages can be misleading since they don’t account for specific personal and risk factors like your location, demographics, or driving and claims history. 

Cheapest companies for full coverage Texas motorcycle insurance 

Here are average quotes from some of the cheapest companies for full-coverage motorcycle insurance in Texas in the table below. 
Keep in mind that these estimates are based on a high level of coverage, including high liability coverage limits, collision coverage, and comprehensive coverage.
Average annual rate for full coverage
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You may pay a higher or lower amount for motorcycle insurance depending on the type of bike you own, the value of your bike, your driving record, your ZIP code, age, and insurance history.

Are motorcycles cheaper to insure than cars?

Yes. Insuring your motorcycle in Texas will be cheaper than insuring your car. 
Texas car insurance costs
an average of $1,957 per year for liability-only coverage or $2,543 for a full-coverage policy. 

Texas motorcycle insurance coverage requirements

Texans who own and operate motorcycles in the state must carry at least the following liability coverage: 

What should a basic motorcycle insurance policy cover?

Only buying your state’s minimum amount of required insurance leaves you vulnerable to out-of-pocket costs in an accident. While liability coverage can help protect other drivers if you’re ever in a crash, it doesn’t extend any coverage to you or your bike. 
That’s why the quotes we shared above were for a full-coverage policy, which includes higher liability limits along with
collision coverage
A good motorcycle insurance policy should cover damage to your bike from accidents, theft, vandalism, and more—and include any custom parts and additional equipment. 
Many insurance providers offer additional coverages that can help you meet your needs, including: 

The best companies for Texas motorcycle insurance

Best for safe riders: Nationwide

The good: Affordable, tons of motorcycle coverage options
The bad: Not available in every state
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 90/100
Nationwide is a popular insurance provider for motorcycle owners in Texas—and for good reason. The company’s robust basic motorcycle insurance policy includes comprehensive and collision coverage, liability coverage, uninsured motorist coverage, and MedPay insurance. 
Customers can add policy extras like custom equipment coverage and roadside assistance to bolster their bike’s protection.

Best for add-ons: Progressive

The good: Wide selection of coverage options
The bad: Rates can vary
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 84/100
As the nation’s top provider of motorcycle insurance, you can’t go wrong with bike protection from Progressive. 
In Texas, a Progressive motorcycle insurance policy automatically includes
OEM parts coverage
. If you carry comprehensive and collision insurance, you’ll also get $3,000 in custom parts and accessories coverage.
Riders can also enhance their policy with optional coverages like carried contents coverage and total loss coverage.

Best for multi-bike owners: Esurance

The good: Built-in roadside assistance coverage, tons of available discounts
The bad: Fewer coverage options than competitors, not available in every state
AM Best rating: A+
BBB rating: N/A
Jerry’s rating: 84/100
Whether you’re a long-time collector or simply ready to add another motorcycle to your household, it’s a good idea to look for multi-unit policies.
In Texas, Esurance offers riders some of the best rates for policies covering multiple bikes—along with a host of other discounts that can help bring down the cost of your insurance premium. 
Esurance is owned and backed by Allstate, so you can trust the company’s financial stability and credibility. 

Best for high-risk bikers: Dairyland

The good: Reputable insurer for high-risk drivers
The bad: Higher rates
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 82/100
Dairyland is one of the best insurance providers out there for bikers with a history of violations on their driving records. 
Despite potentially higher rates for high-risk bikers, the company offers a long list of discounts that can help lower the cost of your annual premium—from Harley-Davidson discounts to rider group member discounts and motorcycle endorsements. 
As far as coverage is concerned, Dairyland has a decent selection of insurance available, including replacement cost coverage for new bikes, trip interruption coverage, and OEM coverage. 
is the real deal. They accomplished what would normally take me days in around 5 minutes. Now I’ll be saving $75/month for insurance in Austin, TX!” —Nicholas E.


In order to rate motorcycle insurance companies in Texas, we collected public data and rated each company on four factors: (1) average cost of insurance (50% of our rating), (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index (25%), (3) coverage options (20%), and (4) financial stability as measured by AM Best (5%).
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