Adherence to Texas motorcycle laws is ensured by having a motorcycle license, insurance coverage, wearing a helmet based on age, and completing a motorcycle training course.
A type of financial protection for your two-wheeled vehicle, motorcycle insurance covers damage to your vehicle or third parties that results from an accident or a natural catastrophe. Most states mandate liability insurance for motorcycle owners.
You might want to think about the following coverage options for your motorcycle insurance policy:
Collision insurance: Collision insurance allows you to have your insurance company pay for fixing the damage done to your motorcycle, excluding your deductible, which you must pay out of pocket for repairs, regardless of who may be at blame for creating the accident.
Comprehensive coverage: Your insurance provider will pay to repair or replace your motorcycle if it is lost or damaged due to circumstances unrelated to a collision under the terms of your motorcycle insurance policy's comprehensive coverage. Hail, fire, water, and vandalism damage would compensate under comprehensive insurance. It also makes financial sense to replace any stolen motorcycle accessories. A deductible lowers your cost for the policy, just like it does for collision insurance.
Uninsured and underinsured motorist coverage: These coverages enable you to claim against your insurance provider if you sustain injuries in an accident that was the fault of a driver who did not have liability insurance or did not have enough insurance to cover your medical bills and other damages.
You must have at least liability insurance in Texas to legally ride on public highways; however, you are responsible for determining if the additional cost is justified given the additional security other coverages provide.
Medical payments protection: Medical payments protection compensates for medical expenses associated with injuries you or your passengers sustain in a motorcycle accident. Not all states offer medical cost coverage for motorbike insurance. You might not require this coverage if you have health insurance. Medical payment coverage would be helpful if you don't have health insurance or don't have enough health insurance coverage.
Personal injury protection insurance: PIP or no-fault insurance is a requirement in several states for drivers. In some states, they use this coverage in place of medical payments coverage. Regardless of who was at blame for the collision, it would pay for any medical expenses related to injuries you and your passengers sustained.
| Company | Average Annual Premium |
|---|---|
| Progressive | $631 |
| Nationwide | $740 |
| Dairyland | $784 |
| Markel | $928 |
| Allstate | $1094 |
| State | Motor Insurance Limit | Requirement by state |
|---|---|---|
| Alabama | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Alaska | · $50,000 bodily injury liability per person
· $100,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Arizona | · $15,000 bodily injury liability per person
· $30,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Arkansas | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| California | · $15,000 bodily injury liability per person
· $30,000 bodily injury liability per accident · $5,000 property damage liability per accident |
Yes |
| Colorado | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $15,000 property damage liability per accident |
Yes |
| Connecticut | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Delaware | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Florida | · $10,000 bodily injury liability per person
· $20,000 bodily injury liability per accident · $10,000 property damage liability per accident · Florida requires a $10,000 medical benefit, but that can come from your health insurance |
Yes |
| Georgia | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Hawaii | · $20,000 bodily injury liability per person
· $40,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Idaho | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $15,000 property damage liability per accident |
Yes |
| Illinois | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
| Indiana | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Iowa | · $20,000 bodily injury liability per person
· $40,000 bodily injury liability per accident · $15,000 property damage liability per accident · A surety bond, cash, or securities of $55,000 |
No |
| Kansas | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Kentucky | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Louisiana | · $15,000 bodily injury liability per person
· $30,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Maine | · $50,000 bodily injury liability per person
· $100,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Maryland | · $30,000 bodily injury liability per person
· $60,000 bodily injury liability per accident · $15,000 property damage liability per accident |
Yes |
| Massachusetts | · $20,000 bodily injury liability per person$40,000 bodily injury liability per accident
· $5,000 property damage liability per accident |
Yes |
| Michigan | · $20,000 bodily injury liability per person
· $40,000 bodily injury liability per accident · $10,000 property damage liability per accident |
No |
| Minnesota | · $30,000 bodily injury liability per person
· $60,000 bodily injury liability per accident · $10,000 property damage liability per accident · $25,000 uninsured/underinsured motorist coverage per person · $50,000 uninsured/underinsured motorist coverage per accident |
Yes |
| Mississippi | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Missouri | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Montana | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
| Nebraska | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Nevada | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
| New Hampshire | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| New Jersey | · $15,000 bodily injury liability per person
· $30,000 bodily injury liability per accident · $5,000 property damage liability per accident |
Yes |
| New Mexico | · You can prove financial independence by leaving 60k in cash or a surety bond with the treasurer's office or getting liability insurance. Same as car limits.
· $25,000 bodily injury liability per person · $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| New York | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $50,000 liability for death per person · $100,000 liability for death per accident · $10,000 property damage liability per accident · $50,000 personal injury protection |
Yes |
| North Carolina | · $30,000 bodily injury liability per person
· $60,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| North Dakota | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Ohio | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Oklahoma | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Oregon | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
| Pennsylvania | · $15,000 bodily injury liability per person
· $30,000 bodily injury liability per accident · $5,000 property damage liability per accident |
Yes |
| Rhode Island | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| South Carolina | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| South Dakota | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Tennessee | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $15,000 property damage liability per accident |
Yes |
| Texas | · $30,000 bodily injury liability per person
· $60,000 bodily injury liability per accident · $25,000 property damage liability per accident |
Yes |
| Utah | · $25,000 bodily injury liability per person
· $65,000 bodily injury liability per accident · $15,000 property damage liability per accident |
Yes |
| Vermont | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Virginia | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
| Washington, D.C. | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| West Virginia | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $25,000 property damage liability per accident · $25,000 uninsured motorist coverage per person · $50,000 uninsured motorist coverage per accident · $25,000 uninsured motorist property damage coverage |
Yes |
| Wisconsin | · You are required to show financial responsibility either with a $60,000 cash deposit with the Wisconsin transportation department, posting a bond issued by an insurance company, or having liability insurance.
· $25,000 bodily injury liability per person · $50,000 bodily injury liability per accident · $10,000 property damage liability per accident |
Yes |
| Wyoming | · $25,000 bodily injury liability per person
· $50,000 bodily injury liability per accident · $20,000 property damage liability per accident |
Yes |
Various factors, such as the following, determine Texas's affordable motorbike insurance.
You have a variety of choices while searching for motorbike insurance in Texas. Some auto insurance providers allow clients to add motorbike insurance as an endorsement or rider to their auto insurance policy. You can do this or buy a different motorcycle insurance plan.
Be careful that if you add your motorcycle as an endorsement or rider to your auto insurance policy, your options for coverage can be limited. Standalone Texas motorcycle insurance policies are frequently more adaptable, customizable, and in some circumstances, even more economical.
Picking the right insurance for you is similar to choosing your desired car. Your search for protection will determine how to proceed.
To discover Texas's best and most affordable motorbike insurance, you should shop around. To compare motorcycle insurance rates and coverage options, you must obtain at least three quotations from different insurance providers.
The cost of motorcycle insurance in Texas varies widely between companies. You can start by entering your zip code in San Antonio, Austin, or anywhere else. Then create insurance quotations from Texas-based firms.
You can search businesses to identify the ones from which you want insurance quotes. Once you receive basic insurance estimates, you can contact individual businesses for further inquiries. You can drive without concern when you select the best coverage for you.
Yes. In Texas, all drivers, including those on motorcycles, must demonstrate their financial responsibility for any accidents they may cause.
Individuals must apply for a Class M and fulfill the prerequisites for a regular driving license to operate a motorcycle.
In Texas, driving without a motorcycle endorsement might result in a fine of about $207. You may be subject to a $272 to $482 fine if you don't have motorbike insurance.
Underage motorcycle operators and passengers in Texas are required by law always to wear helmets. Even if you are above 21, you must wear a helmet when riding a motorcycle unless you can demonstrate that:
You successfully finished the MSF motorcycle safety course.
In the event of a motorbike accident, your health insurance will pay benefits for medical services or hospital and surgical costs.
In Texas, you only need to wear a helmet, but you should also think about eye protection and clothing that is durable enough to prevent road rash. You might need to adhere to additional gear requirements if you are a military member on active service.
With multi-vehicle discounts, OEM parts, and full-replacement coverages, Dairyland scores first for people with several motorcycles stored in their garage or driveway. These features may help to offset its higher average cost of $704 for motorcycle collectors in Texas.
Numerous other types of Texas motorcycle insurance coverages are available in addition to the ones mentioned above. You can alter your insurance to suit your needs if you satisfy the minimum liability standard for financial responsibility. The following coverages can be available for addition to your Texas motorbike insurance plan as options.
Insurance coverage for modified motorcycle parts in Texas depends on your motorcycle. Most of the time, non-factory motorbike parts don't get coverage by conventional collision and comprehensive insurance.
If you own a motorbike trailer in Texas, be careful to ask your motorcycle insurance provider whether your cargo trailer is covered. For up to $7,500, several providers will cover your trailer.
Texas roadside assistance: If your bike develops a mechanical or electrical problem, roadside assistance will come to your aid. In some instances, it might even involve towing. With roadside assistance, you might receive assistance for various problems, such as if your motorcycle ran out of gas, had a dead battery, had a flat tire, etc.
Compensation for rental costs: Texas provides compensation if you need a rental to go around while your bike needs some repair. You can receive compensation for rental costs from your motorbike insurance provider if you have rental reimbursement coverage.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
A motorcycle insurance policy in Texas typically costs about $762 a year.
Yes. All motorists in Texas, including motorcycle riders, must demonstrate their financial responsibility for any accidents they may cause.
Yes, motorcycle insurance is comparatively more expensive in Texas than in other states.
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