According to the Texas Department of Transportation, there are over 420,000 motorcycles registered in the state. While driving a motorcycle can feel like the ultimate freedom, it also comes with a unique set of safety risks. As a result, motorcycle owners in the state of Texas are required to have motorcycle insurance on their bike before they can hit the open road.
The 4 best motorcycle insurance companies in Texas
If you’re a motorcycle owner, or are considering purchasing one, make sure you have the best motorcycle insurance coverage. There are many motorcycle insurance companies available for Texas residents, so you might be wondering what’s the cheapest motorcycle insurance in Texas? To make your search easier, we identified the best options: Nationwide, Allstate, Dairyland and Safeco. To evaluate these providers, we compared average cost, coverage options, available discounts and customer service for each company.
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Specifically, the average monthly rates below are based on a female sample rider who is single, age 26 and owns a home in Houston. She has not had any accidents within the past 5 years and has taken an approved motorcycle safety course.
Best for high coverage limits: Nationwide
Nationwide’s motorcycle insurance keeps riders protected, as well as their bikes. Nationwide’s motorcycle insurance policies give customers the option to insure up to 12 bikes per year, making it the perfect provider for riders with multiple motorcycles. Customers can opt for coverage up to $50,000 per bike, custom bike parts up to $30,000 and even your trailer. All of Nationwide’s policies include liability, collision, comprehensive, underinsured and uninsured coverage and personal injury protection. Optional motorcycle insurance plans cover custom equipment, roadside assistance and OEM endorsement.
In addition to a wide array of coverage options, Nationwide also rewards safe riders with its Vanishing Deductible® program, which gives riders $100 off their deductible for each year of safe driving, up to $500. To save even more money, Nationwide offers motorcycle insurance discounts for motorcycle safety features, policy bundling, paying your premium in full, completing an approved motorcycle safety course and more.
Best for new and young riders: Allstate
Allstate’s motorcycle insurance is a great pick for any motorcycle owner, but it’s especially appealing for young riders, or drivers that are new to riding a motorcycle. The company’s signature Accident Forgiveness program waives a driver’s first accident without raising their insurance premiums. Allstate has proven its commitment to motorcycle safety by creating resources like the O.N.E. Sign Guide, which provides a step-by-step process to get more “watch for motorcycles” signs installed in your area. The company provides the basic coverage options, including liability, collision, comprehensive and uninsured and underinsured coverage. Riders can also choose to purchase coverage for custom parts and equipment, that also protect riding gear and attire.
Customers can access motorcycle insurance discounts by insuring multiple motorcycles, bundling policies, having a clean driving history, completing an approved motorcycle safety course and being a member of a motorcycle organization.
Best for high-risk riders: Dairyland Insurance
Dairyland Insurance is a subsidiary of Sentry Insurance, which specializes in non-standard motorcycle insurance. Dairyland is a great provider for riders with a history of accidents, because the company offers free, same-day SR-22 coverage, which a driver needs in order to to reinstate or keep their driving privileges after certain traffic-related incidents. Motorcyclists might need an SR-22 if they’ve received a DUI or are found driving with a suspended license. Dairyland offers all the basic coverage options, including collision, comprehensive and Injury coverage, in addition to replacement costs, rental reimbursement, roadside assistance and special equipment coverage.
The company offers rider’s motorcycle insurance discounts on their insurance premium if they insure multiple bikes, are a member of a motorcycle group, bundle multiple auto policies, pass an approved motorcycle safety course and more.
Best for insurance discounts: Safeco
Safeco, which is under the parent company Liberty Mutual Insurance, offers some of the lowest cost motorcycle insurance premiums on the market. Basic policies cover bodily injury, guest passenger and personal property liability. Enhanced coverage policies include an impressive lineup of collision, comprehensive, medical payments, uninsured and underinsured drivers and roadside assistance coverage. Safeco is one of the few motorcycle insurance providers that offer trip interruption coverage, which covers the cost of food and lodging if your motorcycle breaks down and you’re stranded away from home. Although the enhanced coverage policy is slightly more expensive than basic coverage, the amount of coverage included means that you can ride with total peace of mind.
For customers looking for motorcycle insurance discounts, Safeco is a great insurance option. The company offers a variety of ways for riders to get a discounted premium, including taking an approved motorcycle safety course, joining a riding club, maintaining a clean driving record, storing your bike in a secure location, installing bike safety features, bundling your policies, getting a quote ahead of time and many more options.
How much is motorcycle insurance in Texas
You might be wondering, “How much is motorcycle insurance in Texas?” Texas has one of the highest average motorcycle insurance premiums of any state, with most yearly premiums falling around $749, or $62 per month. However, there are several key factors that determine how much you’ll pay for a motorcycle insurance premium, including the city you live in, your age, your accident history and the type of motorcycle you own.
To compare average monthly motorcycle insurance premiums in different Texas cities, we looked at rates for a 41 year old male, who is single and owns a home. In San Antonio, Texas, the average premium for minimum insurance would be around $12 per month. In Alpine, Texas, minimum insurance is just over $13 per month. However, upgraded insurance is significantly more costly. In San Antonio, the average premium for enhanced motorcycle insurance is roughly $62 per month, whereas in Alpine, it’s slightly lower, around $55 per month.
Minimum motorcycle insurance required in Texas
In Texas, motorcycle operators are required to have insurance for 30/60/25 coverage. State laws require drivers to have a minimum of $30,000 in bodily injury coverage for each injured person in an accident, or up to $60,000 for all bodily injuries per accident. Additionally, drivers must have at least $25,000 for property damage per accident.
Texas motorcycle laws
In order to legally operate a motorcycle in the state, make sure you know the motorcycle laws of Texas.
- Licensure: You must have a valid Class M License to ride a motorcycle. To get a Class M license, you must already have a regular driver’s license. Before you can get a Class M license, you’re required to take a motorcycle safety class, a written test and driving test.
- Registration: All motorcycles must be registered with the state, and have a valid and visible registration sticker on the license plate.
- Insurance: All motorcyclists in Texas are required to have minimum insurance coverage before driving.
- Helmets: Texas motorcycle drivers under age 21 must wear a helmet. Riders over age 21 may forego a helmet if they have the proper certification or insurance coverage.
- Lane splitting: Texas does not explicitly prohibit lane splitting, but it should always be done safely and at a reasonable speed.