Texas is one of the best states in America for motorcycle riding — wide open highways, iconic routes like US-90 through the Big Bend region, the Hill Country's FM roads, and mild winters in most of the state make Texas a year-round riding destination. Texas also has specific motorcycle insurance requirements that every rider must meet.
In 2026, the average Texas motorcyclist pays approximately $750 per year for full coverage and around $225 per year for liability-only coverage — below the national average.
Texas Motorcycle Insurance Requirements
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
Texas requires all motorcyclists to carry proof of financial responsibility (insurance) at all times. Riding without insurance can result in fines up to $350 for a first offense and license suspension.
Helmet Law in Texas
Texas requires helmet use for riders under 21. Riders 21 and older may ride without a helmet if they have completed an approved safety course or carry health insurance with at least $10,000 in medical coverage. However, wearing a helmet significantly reduces the risk of fatal injury and may lower your insurance premium.
Get Your Free Texas Motorcycle Insurance Quote
Sewell Insurance Agency is licensed in Texas and serves riders across Harris, Dallas, Tarrant, Bexar, and Travis counties. Our licensed brokers will find you the best motorcycle insurance rate for your Texas riding profile.