Motorcycle Insurance

The Best Cheap Motorcycle Insurance in Texas

After conducting a survey consisting of over 1,100 insurance quotes for motorcyclists in Texas, we've found that Progressive's motorcycle insurance offers the best combination of cost and features. While the average motorcycle insurance policy in Texas costs $817, the quotes we collected from Progressive offered rates of around $645. Below, we go into the details on Progressive and other great insurers for motorcyclists. If you'd like to see quotes right away, enter your information in the tool above.

• Best for most people: GEICO
• Best for cheap coverage: Progressive
• Best for motorcycle collectors: Dairyland

Best for most people: GEICO

When we evaluated motorcycle insurance in Texas based on price, features and the quality of customer service, GEICO stood out with the highest all-around value for consumers. Insuring a motorcycle with GEICO in Texas costs an average of $651, just a few dollars more than the average for the cheapest insurer we found. For this price, you receive coverage at a level that we believe will cover most needs for most motorcyclists.

The features we selected when gathering quotes from GEICO included both collision and comprehensive coverage, which protect your motorcycle from road accidents as well as theft and natural disasters. These coverages are never legally required — states only demand that motorists carry liability insurance to cover their costs in case they cause damage to other drivers. However, collision and comprehensive coverage is important if you care about protecting the value of your own vehicle. GEICO covers motorcyclists for liability and vehicle damage at a competitive rate.

Customer service is our third pillar for evaluating insurers, and GEICO's reputation for user satisfaction was acceptable. It has a low complaint index of 0.68 assigned to it by the National Association of Insurance Commissioners (NAIC), which tracks every insurer's relative share of customer complaints. J.D. Power's periodic surveys of customer satisfaction in auto insurance rated GEICO at 3 out of 5 — not a top-notch score, but enough to put it ahead of most competitors in Texas.

One final note for GEICO: Based on its website, we couldn't verify whether its collision and comprehensive coverage is actual cash value or replacement cost. This can make a critical difference to how much you're paid in a claim situation. If you need insurance for the full replacement value of your ride, we suggest confirming this with GEICO or choosing a different insurer.

Best for cheap coverage: Progressive

If you just want to find motorcycle insurance at the lowest price, our analysis found that Progressive offers the lowest average premiums in Texas among motorcycle insurance companies. The low base price of a Progressive policy leaves room in your budget for adding optional extras that you might not consider at more expensive insurers.

Across the hundreds of in-state addresses we used in our survey of quotes, Progressive's rates for motorcycle insurance rang in at an average of $645, which was 21% lower than the average in Texas. Not only does Progressive start you off at a below-average premium, but it also gives you the chance to eliminate your deductibles over time: For each full year in which you file no claims for collision or comprehensive coverage, the company will reduce the deductibles on those coverages by 25%.

The rates we found for Progressive reflect a fairly high level of coverage, but the company's online form left room for a number of additional protections that offer great flexibility to match your individual insurance needs. For instance, Progressive lets you choose between actual cash value coverage on your vehicle and Total Loss Coverage, which promises to pay the costs of replacing your vehicle with a new version of it. This kind of replacement cost coverage is important if you've invested a lot in your motorcycle.

Customer satisfaction numbers for Progressive turned out to be somewhat less competitive than its cost. The NAIC assigns Progressive a low complaint index of 0.69, but J.D. Power most recently gave it a low satisfaction score of 2 out of 5. If you're confident that your riding habits make it unlikely that you'll ever make a claim, Progressive's low prices may be worth considering.

Best for motorcycle collectors: Dairyland

Dairyland's deep policy features and discounts on multivehicle motorcycle insurance make it our top recommendation for die-hard enthusiasts. While it's not the cheapest insurer of motorcycles in Texas, the average rate of $704 for a Dairyland policy pays for a wide range of coverages that may be essential for enjoying your motorcycles with financial confidence.

Unlike some of its competitors, Dairyland includes the option to get both full replacement cost coverage and OEM parts coverage. Together, these protections ensure that you'll be fully covered when restoring a damaged vehicle to its original condition, down to every part. Such policies definitely come with higher premiums than policies that offer actual cash value compensation, which takes the depreciation out of your claim amount.

However, that level of insurance may be well worth the added cost if you have an extensive collection of motorcycles. In Texas, we found that Dairyland delivers such coverage for a reasonable rate. As far as the company's record on customer service goes, we found that Dairyland scored a great NAIC complaint index of just 0.20 in 2018, while A.M. Best assigned it a financial stability rating of A+ — which indicates that the company is highly capable of meeting its financial responsibility on all claims.

Comparing Texas motorcycle insurers by customer service quality

Our motorcycle insurance recommendations for Texas aren't solely based on the average premium recorded for each provider. Regardless of your premium or coverage limit, it's difficult to judge an insurance policy's value until you actually have to rely on it in a claim situation. To get an approximation of that value, we relied on numbers from three different sources, each measuring insurers from a different angle.