Texas motorcycle insurance

Q: What's the best motorcycle insurance in Texas?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Dallas, Austin, Lubbock or anywhere in between, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Texas for bikers, delivering the valuable protection you need for peace of mind while riding.

Texas is known for its independent spirit, making it a natural home to motorcyclists in search of the open road. From El Paso to Houston, Progressive assists bikers throughout the Lone Star State with personalized coverage and easy discounts that protect your wallet. Find out everything you need to know about motorcycle insurance in Texas.

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What are the minimum requirements for motorcycle insurance in Texas?

Texas motorcycle law requires all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries you're liable for or property you're responsible for damaging in an accident, up to your policy's limits. You can increase the amount of liability coverage, if necessary, to more fully protect your assets. It's important to note that property damage liability coverage doesn't cover damage to your own motorcycle.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$30,000 per person $60,000 per accident
Property damage liability	What it coversProperty damage you cause to others in an accident	Minimum amount$25,000 per accident

The state of Texas requires the submission of a signed form to reject or lower these three mandated coverages:

Uninsured/underinsured motorist bodily injury (UM/UIM)
Uninsured/underinsured motorist property damage (UM/UIM PD)
Personal injury protection (PIP)

Do you need comprehensive and collision coverage?

Comprehensive motorcycle coverage and collision motorcycle coverage are often required if you're financing or leasing your motorcycle. If not, these coverages are optional. But we know how important motorcycles are to their owners. Comprehensive coverage can protect your prized possession, as it may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Texas?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Texas with liability coverage only was $176.37^* Many factors affect your price for motorcycle insurance, including your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

Pro tip:

Bundle and save with two or more Progressive insurance policies. Get a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV, or boat insurance.

What's the best motorcycle insurance in Texas?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Dallas, Austin, Lubbock or anywhere in between, the best motorcycle insurance features reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Texas for bikers, delivering the valuable protection you need for peace of mind while riding.

You can lower the cost of motorcycle insurance in Texas with motorcycle insurance discounts such as:

Multi-policy discount
Defensive driver discount
Motorcycle license/endorsement discount
Safe and steady rider discount
Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Texas

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can cover damage to enhancements you've made to your bike and equipment, including grips, lighting, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal possessions along for the ride when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Texas

Helmets are required for all motorcycle operators and passengers under the age of 21. Riders and passengers over 21 aren't required to wear a helmet if they have completed a department-approved motorcycle operator training course or they are covered with at least $10,000 in medical insurance, according to the Texas Department of Licensing and Regulation.
You will need proof of inspection and your insurance card to register your motorcycle, according to the Texas DMV.
Lane splitting is illegal in Texas as is riding directly alongside another rider in the same lane. Riding in the same lane in a staggered formation, however, is legal and encouraged as it helps other motorists see the motorcyclists.