Why Motorcycle Insurance in Texas Costs Triple What Riders Pay in Maine

Motorcycle Insurance

Motorcycle Insurance Costs Spike as Riders Hit the Road This Summer

Motorcycle season is here, but the numbers? They’re grim. Fatal crashes are skyrocketing, according to a recent LendingTree report. Between 2019 and 2023, fatalities jumped 26.2%. Last year alone? A staggering 6,242 lives lost. The highest in recent history.

Which states are the most dangerous? Texas leads the pack. Missouri and the District of Columbia trail close behind. Maine? It’s the safest of the bunch.

You can really tell when looking at the average cost for Texas motorcycle insurance, it’s a whopping $851 per year. Compare that to Maine’s $284. That’s almost three times more. Why the huge difference? Several factors are at play.

Texas vs. Maine: Why the Gap?

First, it’s no surprise Texas has higher fatality rates. The state’s wide-open highways. Speed limits that stretch higher. And lax helmet laws. Universal helmet laws? Nope, not in Texas. Riders over 21 don’t even have to wear one if they have insurance or completed a safety course. Maine, on the other hand? It’s colder. Fewer riders on the road. Stricter helmet laws apply, and shorter riding seasons keep accidents low.Helmet  Laws

Riding in the District of Columbia and Missouri also isn’t cheap. Full coverage in D.C. averages $853, close to Texas’s rates. Missouri’s is lower but still high at $614. Reasons? Heavy traffic, urban congestion, and again, relaxed helmet policies.

Who’s Really at Fault?

But let’s talk accidents. Cars versus motorcycles. Who’s to blame? Statistically, it’s often the car. Studies show drivers are at fault about two-thirds of the time. They don’t see the motorcycle. Or they don’t check their blind spots. And distracted driving? It’s only making things worse. Phones in hand and eyes off the road. You can guess the outcome.

Motorcyclists aren’t perfect either. Speeding, weaving through traffic, and riding without protective gear don’t help things. But when it’s car vs. bike, the bike usually loses. And that shows up big time in fatality rates.

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Here’s the bottom line. Fatalities are on the rise. Insurance premiums are climbing too. States with riskier conditions and fewer safety laws pay the price. Think about it next time you’re in Texas. Or D.C. Highways packed with cars. Riders buzzing by. You feel the tension in the air.

Motorcyclists, gear up. Drivers, put down your phone. Summer’s here. And the stats don’t lie. Stay safe out there.

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