I’m looking for affordable motorcycle insurance in Texas. Dairyland seems to have the lowest rates, but I’d like to know if other companies are worth considering too. Anyone have recommendations?
Dairyland is definitely the cheapest. They offer full coverage for about $22 per month, which is half the average rate in Texas
Morgan said:
Dairyland is definitely the cheapest. They offer full coverage for about $22 per month, which is half the average rate in Texas
Agreed. Dairyland also has replacement cost coverage for bikes under 3 years old, which is rare. Just be aware they don’t have as many add-ons as Progressive
@Keir
Yeah, but I’ve heard Dairyland’s claims process can be slow. They get about 60% more complaints than competitors according to the NAIC. Might be worth considering if quick claims processing is a priority
@Corey
True, their claims process is a bit hit-or-miss. If your motorcycle is your primary ride, definitely consider adding rental reimbursement so you’re not stuck without transportation
For most people, Progressive is probably the best option. It costs a little more than Dairyland at $26 per month, but the customer service is more reliable and they have better coverage options
Storm said:
For most people, Progressive is probably the best option. It costs a little more than Dairyland at $26 per month, but the customer service is more reliable and they have better coverage options
Plus, Progressive’s full coverage includes replacement cost, which means no depreciation on parts if your bike needs repairs. They also offer lots of discounts for things like paying in full or switching providers
@Drew
Progressive’s discounts are pretty good. You can get up to 25% off just for things like having a valid motorcycle license or setting up autopay
Finley said:
@Drew
Progressive’s discounts are pretty good. You can get up to 25% off just for things like having a valid motorcycle license or setting up autopay
I switched to Progressive from another provider and got a nice discount for doing that. It’s worth getting a quote if you’re thinking about changing companies
For military families, USAA is the best option. They don’t sell motorcycle insurance directly but partner with Progressive to offer a 5% discount
Vic said:
For military families, USAA is the best option. They don’t sell motorcycle insurance directly but partner with Progressive to offer a 5% discount
Yeah, USAA’s customer service is top-notch, and the partnership with Progressive means you get both affordable rates and good support. But remember, it’s only available if you’re military or a family member
@Peyton
If you qualify, USAA is definitely worth it. The extra discount can make Progressive’s already low rates even more affordable
Location matters too. I’m in Midland and pay about $39 per month, which is cheaper than riders in cities like Pasadena who pay closer to $58 per month
Hollis said:
Location matters too. I’m in Midland and pay about $39 per month, which is cheaper than riders in cities like Pasadena who pay closer to $58 per month
That’s a good point. Insurance rates in Texas vary by city because places with higher traffic and crime rates, like Houston, tend to have higher rates
For those under 21, Texas requires you to wear a helmet, and over 21, you’re exempt if you’ve taken a safety course or have health insurance. Always worth it to check the latest helmet laws if you’re riding in Texas
Don’t forget about Texas’s insurance requirements. You need a minimum of 30/60/25 liability coverage, but it’s a good idea to add comprehensive and collision if you want full protection
Haru said:
Don’t forget about Texas’s insurance requirements. You need a minimum of 30/60/25 liability coverage, but it’s a good idea to add comprehensive and collision if you want full protection
Definitely recommend comprehensive and collision, especially if you have a newer bike. Basic liability only covers damage to others, so you’d be out of luck if your own bike gets damaged
@Jacqueline
Also, if you’re financing your bike, most lenders require full coverage, so liability alone won’t cut it
@Kade
Even if you’re over 21, wearing a helmet is still a good idea. And for those on active duty, you might be required to wear more gear depending on military rules
Zachary said:
@Kade
Even if you’re over 21, wearing a helmet is still a good idea. And for those on active duty, you might be required to wear more gear depending on military rules
True, safety should come first. A lot of insurance companies offer discounts if you take safety courses too, so it’s a win-win