Updated July 24, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Texas Motorcycle Insurance: Costs, Coverage and How to Save

Jerry is a free app trusted by more than 5 million users that compares motorcycle insurance quotes from top insurers.

• Get personalized motorcycle insurance options in minutes.

• Buy and switch right in the app.

• Licensed agents are ready to help if you need them.

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Author

Ben Moore

Ben Moore is a writer and editor at Jerry. He previously worked as a writer, editor and content strategist at NerdWallet, and has bylines in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He holds a bachelors degree in marketing from Olivet Nazarene University.

Credentials:

• 6 years covering auto insurance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Jerry helped more than 1,045 customers in Texas compare motorcycle insurance quotes in the past year. Our data shows the cheapest price was $10 per month for a Texas motorcycle policy meeting the state’s 30/60/25 liability minimums.

Texas has one of the largest motorcycle populations in the country, with about 326,000 registered motorcycles on the road as of 2024. Year-round riding weather in most of the state, frequent severe hailstorms, hurricane risk along the Gulf Coast, and a ban on lane splitting that took effect in September 2023 all shape how insurers price coverage here. That mix of factors is exactly why comparing motorcycle insurance quotes matters so much for Texas riders.

Jerry is the only digital insurance service where you can compare real motorcycle insurance quotes from multiple top insurers side-by-side, in minutes. It’s free to compare options, and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.

See motorcycle quotes side-by-side with Jerry.

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What Texas riders pay right now

Motorcycle insurance costs in Texas vary widely based on your bike’s make, model and engine size, plus your riding history, age, annual mileage and where you store your bike. Where you live in Texas also makes a meaningful difference. Riders in Houston, Dallas-Fort Worth and San Antonio typically pay more than riders in smaller towns because of higher traffic density and theft risk.

Jerry users in Texas typically pay a median of $23 a month for state-minimum coverage and $91 a month for full coverage. But it all depends on your policy’s coverage limits and personal situation.

Jerry can help you find competitive prices and strong coverage, regardless of those factors. Take a look at some recent examples below of real Texas customers.

Best motorcycle insurance in Texas

There’s no single “best” motorcycle insurance company in Texas. What works for one rider doesn’t necessarily work for another, and the right insurer comes down to your bike, your budget and how you ride. A cruiser rider logging daily miles on I-35 through Austin has very different needs than someone who only takes their sport bike out on weekends.

Price matters too, since Texas is a large state with big swings in rates between rural counties and dense metros. When you compare quotes, look at how each insurer handles the things that matter most to you, whether that’s affordable liability limits, generous theft protection or strong roadside coverage for long Hill Country rides.

That said, our data shows some clear trends among Texas riders. Here are the most popular motorcycle insurance companies Jerry customers pick:

• Progressive is the most popular insurer in Texas, accounting for 44% of policies.

• Liberty Mutual (Formerly Safeco) comes in second, accounting for 27% of policies.

• The rest are spread across insurers like National General, Dairyland (The General) and Foremost.

Also check: Best car insurance in Texas

Get the right coverage without overpaying

For Texas riders, choosing the right coverage levels can save you money while making sure you’re protected in case of a severe accident.

Liability coverage is the foundation of your motorcycle insurance policy. It pays for injuries and property damage you cause to others in an accident. Texas requires every motorcycle policy to include at least $30,000 for injuries to one person, $60,000 total for injuries in one accident, and $25,000 for damage to other people’s property. Insurers often shorten this to 30/60/25. According to the Texas Department of Insurance, this is the minimum required to legally ride a motorcycle on Texas roads.

Most riders carry more than the minimum to protect their assets, especially given the cost of medical care after a crash. Beyond liability, you’ll want to consider collision for damage to your bike from a crash, comprehensive for theft, vandalism, hail and animal strikes, uninsured/underinsured motorist coverage, which is especially important given Texas’s high uninsured driver rate, and extra coverage for any upgrades or accessories you’ve added to your bike.

Here’s what Texas riders typically pay based on common coverage levels:

• State minimum liability, 30/60/25: $10 – $43 /month. Lowest cost, but limited protection. May not cover serious injury or property damage claims, especially if hit by an uninsured driver.

• Full coverage: $46 – $186 /month. Recommended if you can’t afford to repair or replace your bike if it’s damaged, stolen or totaled.

Learn more: What does motorcycle insurance cover?

Why Texas riders choose Jerry for motorcycle insurance

Jerry is the only digital insurance service that lets you compare motorcycle insurance quotes and buy your policy right in the app. With Jerry, you can:

🔍 Compare insurers in one place. See prices and coverage from top carriers side-by-side. Instead of spending hours gathering quotes, Jerry pulls them together in minutes.

📱 Buy entirely online. Get covered without the unwanted phone calls or spam. Jerry never sells your data, backed by bank-level security.

💬 Get help when you need it. Not sure how much uninsured/underinsured motorist coverage to carry, or whether to raise your comprehensive deductible given Texas’s hail and theft risk? Jerry’s licensed agents are a chat or call away, 7 days a week.

🔁 Stay protected over time. Jerry monitors your rate, tells you when it’s time to reshop, and reminds you about renewals. We’re your insurance assistant, not just a one-time tool.

Factors that affect motorcycle insurance costs in Texas

From hailstorms to gridlocked freeways, where you ride and what you ride in Texas plays a big role in what you pay. Here’s what stands out most for Texas riders and how to stay protected.

4 ways to save on motorcycle insurance in Texas

You don’t have to overpay for motorcycle insurance in Texas. Here are four ways to lower your rate while keeping the coverage you need.

Jerry Agent Tip 1: Compare quotes from multiple insurers

Every insurer prices coverage differently, which means the same motorcycle insurance policy can cost less depending on who you’re with. Comparing quotes side-by-side with Jerry is the fastest, most effective way to lock in a better rate.

Jerry Agent Tip 2: Stack discounts for a cheaper rate

From completing an approved Motorcycle Safety Course to insuring more than one bike, most Texas riders qualify for at least a few discounts, and stacking them can add up to real savings. Insurers don’t always apply every discount you’re eligible for, which is why Jerry checks for them automatically when you compare quotes.

Here are some common Texas motorcycle insurance discounts:

Jerry Agent Tip 3: Pick the right deductible

Your deductible is the amount you pay out of pocket before insurance kicks in, and it has a direct impact on your premium. Raising your deductible generally lowers what you pay each year. For Texas riders, the deductible decision matters most on comprehensive coverage, given hail and theft exposure.

The trade-off is simple: a higher deductible means a lower premium, but more out of pocket if you file a claim. To find the right balance:

• Check what you can afford out of pocket. If a $2,000 expense after a crash would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
• Consider how often you’d actually file a claim. Most riders only file a claim every several years, so the premium savings can add up well before you ever pay that deductible.

Jerry Agent Tip 4: Improve your credit score

In Texas, insurers can use credit-based insurance scores to help set your premium. Riders with good or excellent credit often save hundreds compared to those with fair or poor credit. Improving your credit isn’t an overnight fix, but even small improvements can lead to a lower rate at your next renewal.

To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.

If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which insurers offer the best rates for your situation.

Get covered and ride confident with Jerry.

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