Texas requires all motorcycle riders to carry liability insurance before hitting the road. Riding without coverage can result in fines up to $350 for a first offense, license suspension, and vehicle impoundment. Here's everything you need to know about motorcycle insurance in the Lone Star State.
Texas Motorcycle Insurance Minimum Requirements
Texas follows a 30/60/25 minimum liability rule for motorcycles:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
These minimums cover damage and injuries you cause to others — they do not cover your own bike or medical bills if you're at fault.
What Additional Coverage Should Texas Riders Consider?
- Collision coverage — Pays to repair or replace your motorcycle after an accident, regardless of fault.
- Comprehensive coverage — Covers theft, fire, weather damage, and vandalism.
- Uninsured/Underinsured Motorist (UM/UIM) — Critical in Texas, where roughly 20% of drivers carry no insurance.
- Medical Payments (MedPay) — Covers your medical bills after an accident, regardless of fault.
- Roadside Assistance — Towing and emergency service coverage, especially valuable for long Texas highway rides.
Average Motorcycle Insurance Rates in Texas
| Coverage Type | Average Annual Premium |
|---|---|
| Liability Only (minimum) | $180 – $320 |
| Full Coverage (sport bike) | $800 – $1,400 |
| Full Coverage (cruiser) | $500 – $900 |
| Full Coverage (touring) | $600 – $1,100 |
How to Lower Your Motorcycle Insurance Premium in Texas
- Complete an MSF course — The Motorcycle Safety Foundation Basic RiderCourse is widely recognized by Texas insurers and can earn you a 5–15% discount.
- Store your bike in a garage — Reduces theft and weather risk, lowering your comprehensive premium.
- Bundle with auto or home insurance — Multi-policy discounts typically range from 10–20%.
- Choose a higher deductible — Raising your deductible from $500 to $1,000 can reduce your premium by 10–15%.
- Ride a lower-risk bike — Cruisers and touring bikes are generally cheaper to insure than sport bikes.
Get a Texas Motorcycle Insurance Quote
Sewell Insurance Agency is licensed in Texas and specializes in motorcycle coverage for all bike types — cruisers, sport bikes, ATVs, trikes, and more. We shop multiple carriers to find you the best rate.