Best Texas Motorcycle Insurance

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Contributor, Benzinga
April 29, 2022

Quick Look: The Best Texas Motorcycle Insurance

  • Best for High-Risk Rider Rates: Nationwide
  • Best for Low Mileage Riders: VOOM
  • Best for Affordable Coverage: Dairyland
  • Best for Flexible Policies: esurance
  • Best for Bundling With Other Types of Coverage: Safeco
  • Best for Military Personnel, Veterans and Their Families: USAA

Go big or go home is a slogan most people are familiar with — especially in Texas. Everything is supposed to be bigger and better in Texas, after all. Luckily, insurance prices in Texas do not fall into that category. Read this guide to learn more about the best Texas motorcycle insurance.

Best Texas Motorcycle Insurance

With 22 companies providing motorcycle insurance in the state, Texans have big choices to help you save money, select policy options and snag plentiful discounts. Here are our picks for the best motorcycle insurance companies in the Lone Star State:

1. Nationwide

Nationwide offers Texans low monthly premiums for high coverage levels, and with the carrier’s new Nationwide Express service, agents promise to prepare a quote for multiple products in as little as 2 minutes.

With its below-average $695 1-year policy quote, the carrier also touts its discounts for paying for the year in full, bundling 2 or more vehicles, having anti-lock brakes or belonging to an affinity group such as an alumni association.


Now available in Texas, VOOM motorcycle insurance believes per mile coverage is ideal for motorcyclists who travel short distances or only ride occasionally. This service does not require a physical device or mobile app to track mileage or behavior. Riders simply send in a photo of their odometer every month.

VOOM specializes in data-driven, usage-based insurance products associated with high risks, making it easier for you to save money on your insurance and ride legally at the same time.

3. Dairyland

Dairyland consistently is the cheapest motorcycle insurance in states where it’s offered. Texas is no exception. The carrier offers bare-bones coverage for a standard policy, but it has options you can add to your policy.

Those options include roadside assistance, trip protection and total loss replacement of your bike. Its discounts for loyalty, homeowner’s, riding group members and insuring multiple bikes can save you even more money.

At $197, its 1-year policy quote is appealing.

4. esurance

Whether you own a Honda, Harley or a Suzuki Hayabusa — or all 3 — Esurance has got you covered with motorcycle insurance policies and discounts for multiple bikes.

With a 1-year policy quote of $357, Esurance gives riders more wiggle room to add on policy options without a painful price tag. The carrier includes roadside assistance and plenty of discounts.

Whatever it can’t do alone, Esurance has even more muscle to serve customers with its parent company, Allstate. 

5. Safeco Insurance

Choosing Safeco Insurance to insure your motorcycle will eliminate your worries about aftermarket parts being used to repair your bike.

All Safeco policies include original equipment manufacturer (OEM) parts for coverage.

You can rest assured your motorcycle will be repaired the correct way. Talk to an agent about Safeco’s policy that includes $3,000 worth of extra parts coverage at no additional costs.


If you choose USAA as your motorcycle insurance company, you automatically will earn a 5% discount on your total policy.

While most companies do not offer discounts specifically for members of the military, USAA exists because of you. The carrier was created in the 1920s to serve members of the U.S. Armed Forces, the National Guard, and the Reserve and their families.

Now being serviced by Progressive, USAA offers an array of options and discounts, including savings for remaining claims-free, owning multiple motorcycles and completing a safety course. Its 1-year policy quote in Texas is $478.

Texas Motorcycle Insurance

Here are some quick Texas rider facts to put in your bike bag:

  • The approximate number of riders in Texas is: 364,690
  • Minimum state insurance requirements:
    • $30,000 bodily injury per person per accident
    • $60,000 for all bodily injury per accident
    • $25,000 for property damage per accident
  • The average rate with a clean driving record is $702.59. 

Texas Motorcycle Insurance Law Explained

In Texas, motorcycles are treated the same as cars and require registration, titling, and insurance.

State insurance minimums are $30,000 in bodily injury coverage for each person per accident, a total of $60,000 for all bodily injuries per accident and $25,000 for property damage per accident. This is known as 30/60/25 in insurance terms.

Types of Texas Motorcycle Insurance

While you’ll meet the minimum legal requirements with these coverage levels, you should consider adding additional coverage to your policy. Liability insurance only pays for damage you cause to others. That means if you have an unfortunate accident, minimum coverage levels may not cover all costs for injuries, property damage or to replace your motorcycle.

  • Personal injury protection: PIP helps cover the costs of injuries for you and your passengers, and it covers your lost wages if you get hurt and can’t work.
  • Uninsured/underinsured protection: If you have a collision with someone who is uninsured or their coverage is insufficient to cover your damages in the accident, this covers it.
  • Collision coverage: If you have collision coverage, it will pay for your bike to be repaired. Also called full coverage, you may first have to pay a deductible before your bike can be fixed. 
  • Comprehensive coverage: This coverage pays for damage caused by the weather, vandalism or theft. You may have to pay a deductible before coverage kicks in.

Texas Motorcycle Insurance Quotes

The cost of Texas motorcycle insurance can range from less than $200 to more than $1,300. Here are 1-year policy quotes from 5 carriers that serve the Lone Star State:

CompanyQuote for a 1-Year PolicyPrice Rating
Harley Davidson$1,0622

Motorcycle Insurance Discounts

Depending on which motorcycle insurance company you choose, you can get a number of discounts that will help you stash more cash or increase your coverage levels. Here are motorcycle insurance discounts that 5 carriers offer.

CompanyDiscounts OfferedOverall Rating

Multiple bike, Loyalty, Homeowners, Riding group, Claims-free, Rider experience, Smart rider, Anti-lock brake, Anti-theft, Safety course, Motorcycle license                                                        4.3
FarmersTransfer, Multiple bike, Loyalty, Homeowner, Riding group, Anti-lock brake4.3
AAAMultiple bike, Loyalty, Homeowners, Claims-free, Anti-theft, Safety course4.7
McGraw PowersportsTransfer, Multiple bike, Homeowner, Military, Riding group, Claims-free, Rider experience, Anti-lock brakes, Anti-theft, Safety course, Motorcycle driver’s license3.0
ProgressiveMultibike, Loyalty, Homeowner, Claims-free, Anti-theft, Safety course4.7

Carefully Consider Your Options

You can choose a motorcycle insurance policy with minimum coverage levels or increase your coverage. Adding more coverage will cost you more money each month, but it could save you a fortune if you have an accident that causes catastrophic damage and you have insufficient coverage.

What you decide ultimately is up to you. You also may choose to ride your motorcycle without any coverage. Many Texans drive with no coverage, research shows. But doing that is risky.

If a law enforcement officer stops you, asks you for proof of insurance, and you don’t have it, you can get a ticket, pay other fines and even have your license suspended. On top of that, your motorcycle may be towed. That’s when the costs begin adding up. You’ll have to pay to get your bike back, and you’ll probably need proof of insurance to get it back.

With a record, you may not be able to get regular insurance and have to get an SR-22, which proves financial responsibility for people with suspensions, DUIs, and other serious traffic convictions. You’ll be required to have the SR-22 for 2 years after your conviction. And it likely will cost more than a regular motorcycle insurance policy. 

So choose wisely when making decisions about your motorcycle coverage.

Frequently Asked Questions


Do motorcycles fall under auto insurance?


No. Motorcycles require their own type of insurance that is separate from any car you own.


Can you buy too much insurance?


You are only buying too much insurance if you are not utilizing that insurance or you simply will never have a need for it.

*Metrics used for quote: 2017 Harley Davidson FLHTK, 35-year-old male, discounts applied.  Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.

Money-saving Motorcycle Insurance

Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support. 

You can get Harley-Davidson Insurance today with a free, quick quote.