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What are the motorcycle insurance requirements in Texas?

Texas has the following liability coverage requirements for motorcycle insurance coverage:

  • Bodily injury liability: $30,000 coverage per person
  • Bodily injury liability: $60,000 coverage per accident
  • Property damage: $25,000 coverage minimum per accident
  • Uninsured/underinsured motorist coverage: Unless rejected, mandatory coverage limits must be equal to or less than bodily injury limits

If you don’t maintain the minimum insurance coverage in Texas, your punishment could include:

  • Fines
  • Driver's license suspension
  • Bike impoundment

You can appeal the driver’s license suspension notice within 20 days of receiving it. An appeal may stop the suspension until the issue is resolved.

You can lift your suspension by:

  • Paying reinstatement fees (typically between $175–$350)
  • Providing proof of current liability insurance coverage

Does Texas have any optional motorcycle insurance coverage?

In addition to the coverage you already have, you can get other forms of insurance in Texas. At Dairyland, we have plenty of additional coverage options to help protect you and your bike:

  • Medical payments: This isn’t a mandatory coverage option. Limits must be the same on all vehicles. Medical Payments coverage is mutually exclusive with personal injury protection.
  • Comprehensive and collision: This isn’t a mandatory coverage option. The deductible may vary between comprehensive and collision.
  • Special processions: Assuming your primary business isn't participating in special daytime processions, this policy endorsement removes any policy restrictions on using your bike for such a purpose. You must be the one doing the riding.
  • Mexico limited liability coverage: This coverage extends your insurance policy protections when you travel to Mexico. Coverage is in force, provided you travel within 25 miles of the U.S. border and take less than five trips per month that aren't greater than 10 days at a time during any single trip.

Texas motorcycle insurance discounts

The average annual cost of a Texas motorcycle insurance policy is about $750. To enjoy even more affordable rates, we offer money-saving insurance discounts on these already competitive rates:

  • Advance quote
  • Drug and alcohol driving awareness program
  • Anti-theft
  • Bike replacement (loyalty)
  • Claim-free renewal
  • Garaging
  • H.O.G.® member
  • Homeowner
  • Motorcycle endorsement
  • Multi-line
  • Multi-vehicle
  • Operator safety course
  • Paid-in-full
  • Prompt payer
  • Rider group
  • Transfer

Sites to see in Texas

Three Sisters/Twisted Sisters (or The 100 Mile Loop): This is a go-to ride for any experienced motorcycle rider in Texas. Full of twisting roads, natural beauty, and rustic central Texas scenery, this route features plenty of canyons and hills. This is a demanding adventure, however, so it’s not advised for inexperienced riders. On this journey, you'll start at Medina, head to Leakey, ride to Camp Wood, and then end your adventure back at Leakey.

Prada Marfa: This art installation is just off U.S. Highway 90, 1.4 miles from the tiny town of Valentine (population of 134 in 2010), and 26 miles northwest of the city of Marfa. This piece looks 100 percent like a Prada store, but is in fact a sculpture. Don't bother trying to get in; the door is non-functional. But from outside, you can see several Prada items that were donated by Miuccia Prada, the company's head designer, from their fall/winter 2005 collection. Some say the artwork is a criticism of consumerism, luxury branding, and gentrification. In contrast, others say it's a great photo opportunity for your Instagram or dating profile. Either way, Prada Marfa is worth the photo-op and pitstop.

The Grand Canyon of Texas: The Palo Duro Canyon is the second-largest canyon in the U.S. Like the Grand Canyon, it has rocks in a cornucopia of colors and walls of steep mesa. It's the sort of jaw-dropping site that can only be made by nature itself. A must-see if you're in the area, and something to add to your Texas bucket list if it's out of the way.

Big Bend National Park: This is perhaps the most remote and least visited of the 59 national parks in the U.S. Resting along the Rio Grande River, Big Bend has held national park status since 1944 and includes more than 200 miles of paved and unpaved roads to ride on. Cost is $20 to ride for the week. Extend your journey from the park via the River Road and explore more of Texas.

Get a Texas motorcycle insurance quote

The Lone Star State is a five-star destination. So get on the road worry-free with cheap motorcycle insurance coverage and enjoy your travels.

Get insured and ride on.

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