Texas motorcycle insurance

Illustration of the San Antonio Riverwalk in TexasIllustration of the San Antonio Riverwalk in Texas

Texas is a biker's dream, with its seemingly endless roads, attractions, and delicious food. But that positive experience can quickly change without motorcycle insurance. So, hit the road with the protection you need so you can focus on your ride and your destination. In the Lone Star State, both are equally impressive.

What’s required of all motorcycle riders in Texas?

Texans are required to prove financial responsibility for any accidents they may cause. Although most motorcycle owners in the state prove their financial responsibility by purchasing a motorcycle insurance policy, the following are also acceptable examples of proof of financial responsibility:

  • A surety bond filed with the county clerk—the bond must include two people who each own real property in Texas

  • A deposit of $55,000 in cash or securities, made to the county comptroller

  • A deposit of $55,000 in cash or cashier’s check, made to the county judge

  • Certification of self-insurance through the Texas Department of Transportation (TxDOT)

    • Note: This option is typically for dealers, as you must own more than 25 vehicles to be eligible for self-insurance

In Texas, everyone who operates a registered motor vehicle (motorcycles included) must carry minimum insurance. In addition to the insurance policy premium, state legislation also requires a $4 per motor vehicle fee paid to the Motor Vehicle Crime Prevention Authority.

Unless you’re at least 21 years old and covered by a health insurance plan that specifically covers medical/surgical expenses incurred from a motorcycle accident, you’re required to wear a helmet. In Texas, this motorcycle law applies to both operators and passengers.

Visit the Texas DMV for more information on Texas motorcycle laws.

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Prepare for your Texas tour

Make sure your motorcycle is in ride-ready shape.

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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 liability: $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

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The factors behind your insurance rates

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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. 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: These aren't mandatory coverages. 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 no more than five trips per 30 days that aren't greater than 10 days at a time during the 30-day period.

Want to explore Texas off the beaten path? We have coverage options for your ATVs, UTVs, and dirt bikes.
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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

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

  • Harley Owners Group (H.O.G.) member

  • Homeowner

  • Motorcycle endorsement

  • Multi-line

  • Multi-vehicle

  • Operator safety course

  • Paid-in-full

  • Prompt payer

  • Rider group

  • Transfer

Motorcycle rides in Texas
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Here’s what you need to know about exploring the Palo Duro Canyon loops via motorcycle. From safety tips to must-see stops along the route, we’ll help you plan your ride.

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The Twisted Sisters is an ideal route for the adventurous motorcycle rider, with plenty of winding roads and stunning vistas. Check out our guide to the ride as you prepare for your trip.
Fall scene at Guadalupe River State Park

The Guadalupe River flows through Texas hill country and offers motorcycle riders plenty of recreation opportunities to go with its stunning scenery. Check out our guide for travel tips.

Things to do in Texas

Prada Marfa

The Prada Marfa 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 Prada 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.

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.

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.

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