Texas Motorcycle Insurance

Finding the right policy is easy when you work with a local independent agent.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Texas Motorcycle Insurance

It’s easy to find great roads for riding in the Lone Star State. Whether you prefer to take in scenic views of grassy plains, rolling hills, rugged mountains, or glistening waters, this state has an ideal road for you. That may explain why there are around 350,000 motorcycles registered in Texas.

Of course, you can’t legally take your bike out on the road until you have purchased motorcycle insurance. Local independent agents can help you find the best and most affordable coverage for your ride. Find an insurance agent near you to get started.

How Much Does Motorcycle Insurance Cost in Texas?

The average cost of motorcycle insurance in Texas is $723 a year. Keep in mind that actual rates are calculated individually, so this average can only give you a ballpark idea of what you might be expected to pay. Things that can influence how much you are charged for coverage include the following.

  • The value, make, model, and year of the bike(s) you are insuring
  • Your age and occupation
  • Your years of riding experience and your traffic citation history
  • The estimated number of miles you ride each year
  • Your motorcycle and car insurance claims history
  • The size of your deductible

When you take the time to contact a few competing insurance providers to request customized quotes, you can rest assured that the policy you are choosing is offered at a reasonable rate. Independent agents make comparison shopping easy.

Is Motorcycle Insurance Required in Texas?

As with car insurance, motorcycle insurance is required in Texas. In this state, your policy must include liability insurance, which is designed to cover any property damage or injuries you may cause to others if you are responsible for an accident while on your motorcycle.

Your policy must meet or exceed the following coverage amounts.

  • Bodily injury liability coverage
    • $30,000 per person
    • $60,00 per accident
  • Property damage liability coverage
    • $25,000 per accident

All other motorcycle coverage is optional.

What Else Can Motorcycle Insurance Cover?

In addition to the mandatory liability coverage mentioned above, most insurance companies will offer a menu of optional coverage choices including the following.

  • Collision and comprehensive coverage: These are designed to pay for damage to your bike. You can purchase actual-value or replacement-value coverage to compensate you in the event of a total loss.
    • Collision coverage: This can cover the cost to repair or replace your motorcycle if it is damaged in a collision, regardless of fault. 
    • Comprehensive coverage: This can cover the cost to repair or replace your motorcycle if it is damaged in a non-collision event like a tornado or a flood.
  • Custom parts and equipment coverage: This is designed to increase the assessed value of your bike you have added any customized accessories or equipment to it. That way, if it is deemed a total loss in a covered event, you will be compensated for the extra money you have put into it.
  • Medical payments coverage: This is designed to cover medical bills for any treatments needed by you and your passenger if you are injured in an accident, regardless of fault.
  • Uninsured motorist coverage: This is designed to cover your property damage and injuries if you are hit by an uninsured driver while on your motorcycle. This saves you from the need for you to go through lengthy legal channels to get the compensation owed to you.
  • Towing and roadside assistance coverage: This can cover the cost of assistance If you motorcycle becomes disabled while you are out on the road.

Be sure to review the details and costs of each of your various options. That way, you can make an informed decision about which hold value for you.


Better Motorcycle Insurance

Our independent agents shop around to find you the best coverage.

Do I Qualify for Any Motorcycle Insurance Discounts?

Many motorcycle insurance providers in Texas offer discounts and incentives to their policyholders who qualify. Here are examples of some the discounts you may come across that include reduced rates.

  • Passing a certified motorcycle safety course
  • Having a membership in a qualifying organization or riding association
  • Being a homeowner
  • Paying your annual premium in full
  • Bundling your motorcycle insurance with other policies like car insurance, homeowners insurance, or renters insurance

When you work with a good insurance agent who has your best interests at heart, you can rest assured that your policy includes all the discounts for which you qualify.

Why Talk to a Local Independent Insurance Agent?

Independent agents can be a wonderful source of information when you are in the market for any type of insurance coverage. These agents work for you, not for a particular insurance provider. This means they are free to shop around to find you the coverage you need at the most competitive price.

There are nearly 1,800 independent insurance agencies in Texas so it should be easy to find an agent near you. When you are ready to start comparing customized motorcycle insurance quotes, arrange an obligation-free consultation with one of these experienced insurance agents.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn