Motorcycle Insurance in Texas: Coverage, Cost & Top Providers

Motorcycle riders in Texas who are looking for the least expensive option can investigate liability-only insurance. These policies do what is required by law in Texas for motorcycle insurance but do not cover anything above the bare minimum. As a result, focusing simply on finding the cheapest motorcycle insurance in Texas could be a mistake. Full coverage, which includes both collision and comprehensive, is a better option. In this article, we will discuss the best motorcycle insurance coverage in Texas and how much it costs.

What Is Motorcycle Insurance in Texas?

Motorcycle insurance in Texas, like in many other states, is a type of coverage policy designed specifically for motorcycle owners. It provides financial protection in case of accidents, theft, or other unforeseen events involving the insured motorcycle. Texas law mandates that motorcycle owners carry liability insurance to cover bodily injury and property damage that they may cause to others while operating their motorcycle. The minimum liability coverage required in Texas is $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident.

In addition to liability coverage, motorcycle owners in Texas can opt for additional types of coverage, such as collision coverage, which pays for damage to their own motorcycle in the event of an accident, and comprehensive coverage, which covers non-collision-related incidents like theft, vandalism, or natural disasters. Uninsured or underinsured motorist coverage is also available, providing protection if the insured motorcyclist is involved in an accident with a driver who lacks sufficient insurance.

Insurance premiums vary based on factors like the rider’s age, experience, and the type of motorcycle being insured. Riders are encouraged to compare quotes from different insurance providers to find the most suitable coverage for their needs and budget. It’s essential for motorcycle owners in Texas to comply with the state’s insurance requirements to avoid legal consequences and ensure financial protection on the road.

What’s Required of All Motorcycle Riders in Texas?

The state of Texas mandates that all drivers carry proof of financial responsibility. Most states require their motorcyclists to show proof of financial responsibility by acquiring motorcycle insurance, but the following are also acceptable:

Bonding documentation must be submitted to the county clerk; the surety must include two Texas property owners.
Paid in full to the County Comptroller in cash or marketable securities in the amount of $55,000
$55,000 deposited in the office of the county judge via cash or cashier’s check
The Texas Department of Transportation (TxDOT) will certify your self-insurance.

To qualify for self-insurance, you must own more than 25 vehicles; therefore, this is often only an option for businesses that deal in vehicles.

In Texas, mandatory insurance coverage is required for everyone operating a registered motor vehicle (including motorcycles). State law mandates payment of a $4 per car fee to the Motor Car Crime Prevention Authority in addition to the insurance premium.

Anyone under the age of 21 who is not wearing a helmet while riding a motorcycle must carry medical or surgical expenditure coverage in the event of an accident. Anyone riding or riding along on a motorcycle in Texas must comply with this legislation.

What Does Motorcycle Insurance Cover in Texas?

Motorcycle insurance in Texas typically covers several aspects, providing financial protection for motorcycle owners. The mandatory coverage required by law includes liability insurance, which covers bodily injury and property damage that the insured motorcyclist may cause to others in an accident. The minimum liability coverage in Texas is $30,000 per injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident.

Apart from liability coverage, motorcycle insurance in Texas can include additional optional coverages such as:

Collision Coverage: This covers the cost of repairs to the insured motorcycle in the event of an accident, regardless of who is at fault.
Comprehensive coverage also referred to as “other than collision” coverage, compensates the insured motorcycle for losses resulting from incidents like theft, vandalism, natural disasters, or collisions with animals.
Uninsured/Underinsured Motorist Coverage: This coverage protects the insured motorcyclist if they are involved in an accident with a driver who lacks insurance or has insufficient coverage to pay for the damages and injuries.
Medical Payments Coverage: This optional coverage helps pay for medical expenses incurred by the insured motorcyclist and their passengers in case of an accident, regardless of who is at fault.
Custom Parts and Equipment Coverage: This coverage ensures that any customizations, aftermarket parts, and accessories added to the motorcycle are covered in case of damage or theft.

The specific coverage and limits can vary based on the insurance policy and the choices made by the motorcycle owner. It’s essential for riders to carefully review their policy and understand the coverage options to ensure they have adequate protection on the road.

How Much Is Motorcycle Insurance in Texas?

Motorcycle insurance costs in Texas, like those across the country, can change depending on a variety of criteria. Your quote will be based on a number of variables, including the type of coverage you’re interested in, the age, make, and model of your motorcycle, and the rider’s driving record.

In Texas, the average cost of motorcycle insurance is $472 annually, or around $40 monthly for full coverage premiums. A national average of $363 makes this price tag 30.03 percent higher.

Compared to the national average of $141, Texas residents spend $43, or 30.5% more, for their liability-only coverage. This works out to about $15 each month. Even though it costs less than comprehensive policies, keep in mind that this provides nothing to safeguard bikers or their bikes in the event of an accident.

The Texas averages were found by looking at information from policies that had limits of $50,000 to $100,000 for bodily injury and $25,000 for property damage. These policies also had a $500 deductible for full insurance coverage plans and had to have Personal Injury Protection and Uninsured Motorist Protection.

Does Texas Require Motorcycle Inspection?

Yes, motorcycle inspections are necessary in the state of Texas. Motorcycles in the state of Texas are subject to a yearly safety check. Certified mechanics will check the motorcycle’s lights, brakes, tires, horns, mirrors, and other safety-related components to make sure they are up to code with state regulations. A valid inspection sticker is awarded if the motorcycle passes the inspection and must be displayed on the motorcycle’s license plate.

Furthermore, in certain counties in Texas, the law requires emissions testing and inspections of motorcycles to ensure compliance with emissions standards. The model year and county in which a vehicle is registered influence the extent to which it must pass emissions testing.

To ensure that their motorcycles are road-worthy and legal in the Lone Star State, Texan motorcyclists must pass a mandatory inspection. Not getting an inspection sticker or passing an emissions test might result in costly fines.

Cheap Motorcycle Insurance in Texas

Everyone, especially Texans, has heard the famous “go big or go home” phrase. In Texas, as the saying goes, “The bigger, the better.” Fortunately, Texas insurance rates are not outrageous.

There are 22 motorcycle insurance providers in Texas, so Texans have plenty of options when it comes to finding the best policy at the best price. Listed below are the top cheap motorcycle insurance providers in Texas:

#1. Progressive

Progressive is widely recognized as one of the best and cheapest motorcycle insurance companies in Texas and across the United States. With a strong reputation for competitive rates and a range of coverage options, Progressive is a popular choice among motorcycle owners.

One of Progressive’s key advantages is its commitment to providing customizable policies tailored to individual needs. Motorcyclists can choose from a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. Progressive also offers additional features such as accessory coverage, which protects custom parts and equipment, and total loss coverage for brand-new motorcycles.

Progressive is known for its user-friendly online platform, allowing customers to get quotes, manage policies, and file claims conveniently. Their website and mobile app streamline the insurance process, making it easy for policyholders to access information and services.

Moreover, Progressive offers various discounts, including multi-policy, safe driver, and continuous insurance discounts, helping riders save on their premiums. The company’s focus on customer satisfaction, combined with its competitive rates and comprehensive coverage options, solidifies its position as one of the best choices for cheap and reliable motorcycle insurance in Texas.

#2. Nationwide

Nationwide stands out as one of the best and most affordable motorcycle insurance companies in Texas, offering comprehensive coverage and competitive rates to motorcycle owners. Known for its reliable services and customer-oriented approach, Nationwide provides a range of coverage options tailored to individual needs.

One of Nationwide’s strengths is its flexibility in offering customizable policies, allowing riders to select the coverage that best suits their requirements. Their motorcycle insurance policies encompass essential protections such as liability, collision, comprehensive, uninsured or underinsured motorist, and medical payments coverage. Additionally, Nationwide provides specialized coverage for custom parts and equipment, ensuring that motorcycle enthusiasts’ unique modifications are safeguarded.

Nationwide’s commitment to customer satisfaction is evident in its efficient claims process and 24/7 customer support, providing policyholders with peace of mind and support when they need it most. The company’s online platform makes it easy for customers to obtain quotes, manage policies, and access resources, enhancing the overall user experience.

Furthermore, Nationwide offers various discounts, including those for completing safety courses, being a responsible rider, and bundling multiple policies. These discounts contribute to making Nationwide an attractive option for motorcycle owners seeking affordable yet reliable insurance coverage in Texas.

#3. Geico

GEICO is renowned as one of the best and cheapest motorcycle insurance companies in Texas, offering riders competitive rates and a variety of coverage options. With a strong presence and a reputation for excellent customer service, GEICO is a preferred choice for many motorcycle enthusiasts.

One of GEICO’s standout features is its ability to provide cost-effective policies without compromising on coverage. Motorcycle owners can choose from essential protections such as liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments coverage. GEICO’s policies are known for their flexibility, allowing riders to customize their coverage to meet their specific needs.

GEICO’s user-friendly online platform makes it convenient for customers to obtain quotes, manage policies, and file claims seamlessly. The company’s efficient claims processing and 24/7 customer support contribute to a positive customer experience.

Additionally, GEICO offers various discounts, including those for completing safety courses, being a responsible rider, and bundling multiple policies. These discounts help riders save on their premiums, making GEICO an attractive option for those seeking affordable motorcycle insurance in Texas. GEICO’s commitment to providing reliable coverage at competitive prices solidifies its reputation as one of the best choices for motorcycle insurance in the state.

#4. USAA

Selecting USAA as your motorcycle insurance provider will instantly qualify you for a 5% discount.

USAA is here because of you, the service member, while most other firms don’t even bother to offer special discounts to you. In the 1920s, the ship was established to meet the needs of active-duty military personnel, veterans, and their families, as well as those in the National Guard and Reserve.

Progressive now provides service for USAA, which offers a wide range of options and discounts, including those for not filing claims, owning several motorcycles, and enrolling in a safety course. Coverage for one year would cost $478 in Texas.

#5. Esurance

Esurance provides motorcycle insurance policies and discounts for numerous bikes, whether you own a Honda, Harley, or Suzuki Hayabusa, or all three.

It provides additional leeway for riders to add on policy options without significantly increasing the base cost of the policy ($357 for a year). The service provider provides free roadside assistance and many discounts.

Esurance’s parent corporation, Allstate, gives it access to resources it wouldn’t have otherwise to better serve its consumers.

Are Motorcycles Hard to Insure?

Insuring motorcycles isn’t inherently difficult, but the cost and availability of coverage can vary based on several factors. Insurance providers consider elements such as the rider’s age, riding experience, type of motorcycle, location, and the coverage options chosen.

Riders with a history of accidents or violations might find it harder to obtain affordable coverage, and certain high-performance or customized bikes can be more expensive to insure. Additionally, the area’s crime rate and accident frequency can affect insurance costs.

While obtaining basic liability coverage is typically straightforward, finding comprehensive coverage with additional features might require more research. It’s essential for motorcycle owners to shop around, compare quotes from multiple providers, and understand the coverage options to find suitable and affordable insurance. Riders can also take safety courses and maintain a clean riding record to potentially lower insurance premiums.

Are Older Motorcycles Cheaper to Insure?

In general, older motorcycles are often cheaper to insure compared to brand-new ones. Several factors contribute to this. First, the value of an older motorcycle is typically lower than that of a new model. Since insurance premiums are often based on the vehicle’s value, older bikes can result in lower premiums.

Secondly, older motorcycles might be less attractive to thieves, reducing the risk of theft and consequently lowering insurance costs. Additionally, older bikes might have simpler and less expensive parts, making repairs more affordable, which can lower comprehensive and collision coverage costs.

However, it’s important to note that the specific insurance premium depends on various factors, including the rider’s history, the type of coverage chosen, and the motorcycle’s make and model. It’s advisable for motorcycle owners to obtain insurance quotes from multiple providers to find the most affordable coverage for their specific situation, regardless of the motorcycle’s age.

Texas Motorcycle Insurance Discounts

In Texas, motorcycle insurance costs roughly $750 per year on average. Our already low prices are made even more reasonable with the addition of insurance discounts.

Garaging
H.O.G.® member
Homeowner
Motorcycle endorsement
Multi-line
Multi-vehicle
Operator safety course
Advance quote
Drug and alcohol driving awareness program
Anti-theft
Bike replacement (loyalty)
Claim-free renewal

Can You Ride a Motorcycle Without a License Plate in Texas?

No, you cannot operate a motorcycle in the state of Texas without a valid registration. Displaying a proper license plate is mandatory in the state of Texas for all vehicles. You could face fines and other penalties if you ride a motorcycle without a license plate. In addition, a license plate is necessary so that authorities and other motorists may easily identify the car and its owner. So, before hitting the streets, motorcyclists in Texas should check that their bikes have a valid license plate affixed to the front.

How Much Does It Cost to Fill Up a Motorcycle?

The cost of fuel for your motorcycle will change depending on how often you ride, what kind of fuel you use, and what kind of motorcycle you own. At $3 per gallon, a typical 5-gallon fuel tank will set you back about $15 at each fill-up. Spending money wisely requires that you use your judgment.

Factors in Filling up a Motorcycle

Motorcycle riders incur a recurring charge whenever they need to fill up their petrol tank, but this cost can change significantly depending on a number of factors. Riders can save money on gas and reduce their carbon footprint if they have a firm grasp of these factors.

Let’s look at some of the major variables that influence the cost of fueling a motorcycle.

#1. Riding Frequency

The amount you spend on fuel depends heavily on how often you ride your motorcycle. If you ride your bike to work every day, you should expect to refuel more regularly than if you only ride on the weekends.

The more often you drive, the more gasoline you use, which means you’ll have to fill up more often and spend more money.

#2. Fuel Efficiency

The cost of filling up your motorcycle’s tank is directly proportional to its fuel economy. The manufacturer, model, and engine size of a motorcycle all contribute to its mileage capacity. Typically, the cost per fill-up is lower for smaller, more fuel-efficient motorcycles because they use less gas per mile.

In order to maximize fuel economy and reduce gasoline expenses, it is important to do routine maintenance on your motorcycle.

#3. Fuel Type

Another factor that can affect your budget is the fuel you choose to use. The two most common types of fuel used in motorcycle engines are regular unleaded and premium. High-performance motorcycles that run on premium gasoline may be able to achieve better acceleration, but this fuel is more expensive.

Finding the sweet spot between performance and economy on your motorcycle can depend on your familiarity with its fuel needs and your selection of the most suitable fuel type.

#4. Fuel Price Fluctuations

Global market trends, political considerations, and natural calamities all have an impact on how much we pay for gas. These fluctuations can have a major effect on how much it costs to fill up your motorcycle’s gas tank.

It is possible to mitigate the financial impact of gas price increases by monitoring local pricing and taking advantage of loyalty programs or discounts.

Do Motorcycles Need Insurance in Texas?: Bottom Line

Yes, motorcycle owners in Texas are required by law to have insurance coverage for their vehicles. Texas mandates that all motor vehicles, including motorcycles, must have liability insurance to operate legally on public roads. Liability insurance covers bodily injury and property damage that the motorcyclist may cause to others in an accident.

Motorcycle owners must carry proof of insurance, and they may be asked to provide this proof during a traffic stop or after an accident. Failure to have insurance can result in fines, license suspensions, and other legal consequences. Also, it is important for motorcycle owners to obtain and maintain the required insurance coverage to comply with Texas state law and ensure financial protection on the road.

Frequently Asked Questions

How much is motorcycle insurance in Texas for 21 year old?

The average cost of motorcycle insurance in Texas is $56 per month, or $672 per year, for a 21-year-old rider.

What is the minimum motorcycle insurance in Texas?

In Texas, a minimum of $30,000 in bodily injury coverage per person is required to legally ride a motorcycle. The average cost of injuries in an accident is $60,000. Also, accidental property damage is covered up to $25,000.