Motorcycle Insurance in Texas - Compare Quotes & Save
Riding across Texas highways, from I-35 to US-290 and the vast open roads of the Hill Country, demands coverage built for long hauls, variable weather, and urban traffic. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories - all while unlocking real rider discounts.
Texas Requirements (What You Must Know)
Minimum Liability
Texas minimum liability limits are $30,000 per person / $60,000 per accident for bodily injury and $25,000 for property damage (30/60/25). We recommend quoting higher limits that better fit Texas road exposure and your riding style.
No PIP or No-Fault
Texas is a fault state. There is no mandatory Personal Injury Protection (PIP) for motorcycles. Consider adding Medical Payments (MedPay) to help cover your medical bills regardless of who is at fault.
Helmet Law
Texas has a partial helmet law. Riders under 21 or without proof of medical insurance must wear a DOT-approved helmet. All riders are strongly encouraged to wear helmets for safety.
Inspection & Lane Splitting
Annual safety inspections are required for all motorcycles in Texas. Lane splitting is not legal in Texas; riders must follow standard traffic laws for lane usage.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Texas Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for better protection on Texas highways
- Property Damage: $50k-$100k common for higher-value vehicles and property
UM/UIM
- Match to your BI limits to protect you from uninsured and underinsured drivers
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, vandalism, hail, animal strikes, crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for saddlebags, fairings, crash bars, custom paint, audio systems
Roadside & Trip Interruption
- Towing, jumpstarts, flats - peace of mind on long Texas highways
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: ABS-equipped models show markedly lower fatal crash rates in national studies - many insurers offer an ABS discount.
Texas Riding Realities (and How We Insure Around Them)
- Highway speeds & long distances: From I-10 to US-59, higher speeds and long rides increase exposure - favor higher BI/PD and UM/UIM limits.
- Theft & weather risk: Urban areas and hail-prone regions mean comprehensive coverage is essential. Garaging, alarms, and lower deductibles help.
- Wildlife & seasonal storms: Deer, armadillos, and sudden hail or flooding are common. Roadside assistance and strong comprehensive protect you.
Getting Your Texas Motorcycle License
Course Path (Recommended)
- Enroll in an approved Texas Motorcycle Safety Course
- Pass the course; receive completion certificate
- Present certificate at DPS to add the M endorsement (often waives skills test)
Permit + Testing Path
- Obtain a learner’s permit (knowledge test + vision screening)
- Practice under permit restrictions
- Take DPS motorcycle skills test; add M endorsement
Bike Size & Restrictions
Testing on a very small-displacement bike can trigger a restriction. Completing an approved safety course typically removes this - ask us if you’re unsure.
See Why Customers Love Us
What Texas Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | Higher limits for highway speeds and multi-vehicle claims |
| UM/UIM | Match BI | Protects you from uninsured drivers common on Texas roads |
| MedPay | $5k-$25k | Helps cover medical costs since Texas has no PIP for motorcycles |
| Comp/Collision | $250-$1,000 deductibles | Lower deductibles recommended for hail and weather risks |
| Accessories | $3k-$10k+ | Document with photos & receipts for custom parts |
| Roadside | Included or add-on | Towing and trip interruption valuable for long-distance travel |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered.
Get Your Motorcycle Insurance Quote in Texas
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Texas
Is lane splitting legal in Texas?
No. Lane splitting is not legal in Texas. Riders must stay within a single lane and follow standard traffic movement rules.
Does Texas require PIP on motorcycles?
No. Texas is a fault-based state and does not require PIP coverage for motorcycles. MedPay is a popular optional coverage to help with medical expenses.
What are the current Texas minimum motorcycle insurance limits?
Texas requires at least 30/60/25 liability coverage: $30,000 per person / $60,000 per accident for bodily injury and $25,000 for property damage. Higher limits are strongly recommended.
Do I need a helmet in Texas?
Riders under 21 and those without proof of medical insurance must wear a DOT-approved helmet. All riders are encouraged to wear helmets for maximum safety.
Do motorcycles require safety inspections in Texas?
Yes. All motorcycles must pass an annual safety inspection at an authorized station to be registered in Texas.
Will ABS lower my motorcycle insurance premium?
Many carriers offer discounts for ABS-equipped motorcycles. National studies also show ABS significantly reduces fatal crash involvement.
