This kind of replacement cost coverage is essential if you've invested a lot in your motorcycle. For instance, Progressive lets you choose between actual cash value coverage on your bike and total loss coverage, which promises to pay the costs of replacing your vehicle with a newer version. Not only does Progressive have a cheaper-than-average premium, but it also gives you the chance to eliminate your deductibles over time: For each full year in which you don’t file any claims for collision or comprehensive coverage, the company will reduce the deductibles on those coverages by 25%.įor those lower rates, Progressive delivers a high level of coverage, but the insurer also leaves room for additional protections that offer great flexibility to match your individual insurance needs. The company offers the cheapest rates alongside the most robust set of coverage options.Īcross the hundreds of in-state addresses we used in our survey of quotes, Progressive's rates for motorcycle insurance averaged $631 per year, which was 23% lower than the average in Texas. Progressive is our top recommendation for Texas motorcycle insurance. Progressive is our top pick for motorcycle insurance in Texas because of its combination of coverage options and low rates.
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