Cheapest and Best Motorcycle Insurance in Texas December, 2024
Harley Davidson (Sentry Insurance) offers the cheapest plan for budget-minded riders, with a monthly cost of only $25.
It’s not easy to find the right motorcycle insurance in Texas, but you’re in the right place to make it simpler. Based on our findings, the best provider delivers a combination of comprehensive coverage and exceptional customer service.
Over my 15 years in the insurance industry, I’ve seen how skimping on motorcycle insurance can lead to big problems. It’s not just a legal issue; it’s about protecting the investment you’ve made.
Our guide is crafted from years of knowledge to help you sidestep pitfalls and identify the most trustworthy and affordable options for your motorcycle.
Best Motorcycle Insurance In Texas 2024
Compare The Best Motorcycle Insurance Companies In Texas
| Overall Rating | Cheapest For | AM Best Rating | J.D. Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Harley-Davidson |
|
Overall |
A+ |
Not Rated |
9/10 |
Instant Quote |
| GEICO |
|
Bundling Insurance |
A++ |
830 |
9/10 |
Instant Quote |
| USAA |
|
Military Members |
A+ |
809 |
7/10 |
Instant Quote |
| Allstate |
|
Customer Service |
A++ |
816 |
8/10 |
Instant Quote |
Best Motorcycle Insurance Companies in Texas
Best Overall
Key Statistics
Why We Like Them
⇅For the best motorcycle insurance in Texas, Harley Davidson is the top pick, providing robust policies and superior service with Sentry Insurance, creating a distinct advantage.
Backed by Sentry, a well-regarded insurance company, Harley Davidson’s policies promise reliability and financial security. Sentry’s A+ rating from AM Best validates their ability to uphold policyholder commitments.
Harley Davidson’s insurance offerings, backed by Sentry’s expertise, are designed to meet the diverse demands of Texas’s riders. With extensive coverage and customer-focused services, these policies are a smart investment for motorcyclists.
Benefits & Drawbacks
⇅- Customized insurance options for motorcyclists
- Backed by Sentry Insurance, known for its financial stability and reliability
- Provides discounts and rewards for safe riders and H.O.G. members ✓
- Some riders might not prefer third-party insurer coverage
- Coverage is especially beneficial for Harley Davidson owners
- Availability is limited in some regions ✘
Best For Bundling Insurance
Key Statistics
Why We Like Them
⇅GEICO is highly recommended for insurance bundling in Texas, especially with motorcycle policies. Their competitive rates on multiple insurance types make them a favorite for Texas seeking comprehensive coverage.
GEICO’s unique feature is its seamless integration of multiple insurance policies, including motorcycle, auto, and home, under one umbrella, simplifying management and often leading to significant savings for policyholders.
Besides offering cost-effective insurance, GEICO is praised for its user-friendly experience. Their digital platforms, including a detailed website and a highly-rated mobile app, make managing policies easy. Furthermore, GEICO’s customer service is highly rated, providing prompt assistance.
Texas motorcyclists benefit from easy access to policy details and smooth claims processing with GEICO. Its affordability, convenience, and excellent customer service make it the top choice for bundling insurance in Texas.
Benefits & Drawbacks
⇅- Offers competitive pricing and various discounts
- User-friendly online tools and a mobile app for simple policy management
- Efficient claims processing and a strong reputation for customer service ✓
- Coverage options may be less specialized for motorcycles compared to providers dedicated solely to motorcycle insurance
- Some customers have reported inconsistencies in customer service experiences
- Policy customization options may be fewer compared to niche motorcycle insurance providers ✘
Best for Military Members
Key Statistics
Why We Like Them
⇅Military members will find USAA to be the best choice for motorcycle insurance, thanks to its tailored services and trusted partnership. Recognizing the specific requirements of the military community, USAA has partnered with Progressive, an A+ (Superior) rated company, to oversee coverage and claims. This strategic partnership combines Progressive’s reputable motorcycle insurance services with USAA’s dedication to military members and their families.
By partnering with Progressive, USAA ensures its members receive specialized motorcycle insurance with financial strength and industry expertise. Additionally, USAA’s top rating in customer service from J.D. Powers showcases its commitment to excellence and customer satisfaction.
This alliance benefits military members through efficient service, rapid claims handling, and policies that address the complexities of military life. The synergy between USAA and Progressive offers military riders a trustworthy and comprehensive insurance solution designed for their specific needs.
Benefits & Drawbacks
⇅- Services and discounts tailored for military members and their families
- Coverage and claims are managed by Progressive, known for its motorcycle insurance expertise
- USAA is highly rated for customer service, ensuring a supportive and responsive experience ✓
- USAA membership is exclusive to military members, veterans, and their families, restricting access for the general public
- Some policyholders may prefer dealing directly with a single insurer rather than through a partnership
- Coverage options and benefits could be more generic, as they are part of a broader, non-specialized portfolio ✘
Best for Customer Service
Key Statistics
Why We Like Them
⇅In Texas, Allstate excels as a premier choice for motorcycle insurance, primarily because of its exceptional customer service. Allstate’s personalized approach ensures every policyholder receives tailored and attentive care, vital for motorcyclists with specific needs distinct from standard auto insurance clients.
In Texas, home to a diverse biking community, Allstate’s local agents provide essential on-the-ground support. These agents understand Texas’s unique road laws and riding culture, offering insights beyond typical insurance queries. Allstate’s strong online and mobile platforms further enhance their service, offering convenient 24/7 access to policy management and claims filing.
In Texas, Allstate distinguishes itself with knowledgeable local agents, efficient digital tools, and a steadfast commitment to customer satisfaction in motorcycle insurance.
Benefits & Drawbacks
⇅- Comprehensive coverage options and customizable policies tailored to individual needs.
- Local agents provide personalized service and have knowledge of regional insurance requirements.
- Offers various discounts, such as those for safe riding and multiple policies. ✓
- Premiums may be higher than some other insurance providers.
- Discounts and policy options vary greatly based on personal circumstances.
- Some riders may find the policies more suitable for casual rather than professional or competitive riding. ✘
Cheapest Motorcycle Insurance In Texas For Minimum Liability Coverage
From our research, USAA (working with Progressive) provides the lowest monthly rate for minimum coverage in Texas, at just $10.
“Cheapest minimum coverage for motorcycle insurance in Texas” pertains to the most affordable insurance policies that meet the state’s minimum legal standards for motorcycle riders. These policies usually include basic liability coverage, which pays for bodily injury and property damage that the rider may cause to others in an accident.
Driving history is a crucial factor that influences insurance rates in this category. Riders with a clean record generally receive lower premiums, as they are considered lower risk by insurers. On the other hand, those with a history of accidents or traffic violations tend to pay higher rates, as insurers see them as more prone to future incidents.
Having an accident can severely impact your rate, as it indicates a higher risk of costly claims for the insurer. This risk evaluation directly influences the cost of minimum coverage insurance in Texas.
| Insurance Provider | Minimum Coverage Annual Cost (Paid in Full) |
| (USAA) Progressive | $80 |
| Geico | $88 |
| Allstate | $96 |
| Dairyland | $101 |
Cheapest Motorcycle Insurance In Texas For Full Coverage
Based on our in-depth research, Harley-Davidson (Sentry) offers the least expensive full coverage motorcycle insurance in Texas, at a rate of $25 per month.
“Cheapest full coverage for motorcycle insurance in Texas” pertains to the least expensive policies offering more than the state’s minimum liability coverage. These full coverage plans generally include comprehensive and collision insurance, providing extensive protection against a variety of incidents like accidents, theft, vandalism, and natural disasters.
Insurance rates in this category are strongly affected by a rider’s driving history. A clean record usually results in lower premiums because insurers consider these riders less risky.
Conversely, having a history of accidents or traffic violations often results in higher rates, as these riders are seen as higher risk. Specifically, being involved in an accident can notably increase your rate due to the insurer’s perception of future claim likelihood.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $35 |
| Progressive | $46 |
| Allstate | $52 |
| Nationwide | $58 |
Average Cost Of Motorcycle Insurance In Texas
Full coverage motorcycle insurance in Texas has an average monthly cost of $40.
| Company | Average Monthly Rate for Full Coverage |
| Harley-Davidson | $25 |
| Geico | $35 |
| Progressive | $46 |
| Allstate | $52 |
| Nationwide | $58 |
Average Cost Of Motorcycle Insurance In Texas – By City
The city where you reside in Texas can influence your motorcycle insurance costs. Riders in larger metro areas usually pay more than those in rural regions due to the higher incidence of accidents in more populated zip codes.
These ten cities have the lowest motorcycle insurance rates in Texas:
| Rank | City | Average Monthly Rate |
|---|---|---|
| 1 | Lubbock | $55 |
| 2 | Amarillo | $58 |
| 3 | Abilene | $60 |
| 4 | Wichita Falls | $62 |
| 5 | Midland | $65 |
| 6 | Odessa | $67 |
| 7 | San Angelo | $70 |
| 8 | Laredo | $72 |
| 9 | McAllen | $75 |
| 10 | Corpus Christi | $78 |
Do You Need Motorcycle Insurance In Texas?
Motorcycle insurance is a legal necessity in Texas. The state requires all motorcyclists to maintain a minimum level of insurance coverage to legally operate on public roads. This mandate ensures financial responsibility for any injuries or damages caused in an accident.
In Texas, the minimum insurance coverage includes liability insurance, which pays for bodily injury and property damage caused to others in an accident. The law requires at least $30,000 for injury/death to one person, $60,000 for injury/death to multiple people, and $25,000 for property damage. However, this basic coverage does not cover the rider’s injuries or damage to their motorcycle.
For a broader scope of protection, riders typically consider adding collision, comprehensive, and uninsured/underinsured motorist coverages. Collision coverage pays for damages from accidents, while comprehensive insurance covers theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is especially vital in Texas, where many drivers and riders may not have sufficient insurance.
Although the law mandates minimum insurance requirements, riders should evaluate their needs based on their motorcycle’s value, riding frequency, and personal financial situation. Failure to carry the necessary insurance can result in penalties, including fines, license suspension, and motorcycle impoundment.
How To Get A Motorcycle Insurance Quote
Getting a motorcycle insurance quote involves a few clear steps:
Gather Your Personal Information
Before you begin, collect your personal information, including your full name, address, date of birth, and driver’s license number. Also, have details ready about any other riders who might use the motorcycle.
Collect Your Motorcycle’s Details
You’ll need to know your motorcycle’s make, model, year, engine size, and VIN. Additionally, if your bike has any modifications or specific safety features, have those details handy since they can affect your quote.
Determine Your Insurance Needs
Assess your coverage needs by determining your liability limits and deciding if you want to add comprehensive, collision, or uninsured motorist coverage.
Research Insurance Providers
Look for insurance companies that sell motorcycle insurance. Consider their reputation, customer service history, and financial stability.
Get Quotes
Requesting quotes for motorcycle insurance is possible through various methods: online, via phone, or in person. Share the relevant information with the insurance company. Utilizing online forms can quickly provide multiple quotes simultaneously, offering ease. (Utilizing services like Insuranceopedia can help by providing multiple quotes, making your selection process smoother.)
Compare Quotes
When you have gathered several quotes, assess them based on price, coverage options, deductibles, and any exclusions or limitations. Make sure to compare similar coverages across different quotes.
Ask About Discounts
See if you can get discounts for safe driving, bundling policies, or taking motorcycle safety courses.
Review Quotes and Select a Policy
Go through all the information and pick the policy that offers the most suitable mix of price and coverage.
Provide Additional Information and Make Your Purchase
After you’ve picked a provider, you may be asked for more information or documentation. Review the policy details, make your first payment, and receive your proof of insurance.
After choosing a provider, additional information or documents might be needed. Go through the policy details, make your first payment, and receive your proof of insurance.
Our Methodology
To identify the leading motorcycle insurance in Texas, I relied on unbiased information from AM Best for financial stability and J.D. Powers for customer satisfaction ratings. I also factored in consumer reviews and my background as a former property and casualty insurance agent.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is motorcycle insurance in Texas?
The standard monthly rate for full coverage motorcycle insurance in Texas is $40.
Who is the cheapest motorcycle insurance company in Texas?
The lowest cost motorcycle insurance in Texas is from Harley Davidson, priced at $25 per month, with coverage and policyholder services managed by Sentry Insurance Company.
Do you need motorcycle insurance in Texas?
Every motorcyclist in Texas is required by law to carry insurance.
Sources
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