- Motorcycle Insurance In Texas
- Motorcycle Insurance In Texas
- Motorcycle Insurance in Texas: State Requirements
- Motorcycle Insurance In Texas: Cheapest Liability Rates by City
- Motorcycle Insurance in Texas: Best Full Coverage Rates
- Motorcycle Insurance in Texas: How do you Get a Motorcycle License?
- Motorcycle Insurance in Texas: Motorcycle Safety Tips
- Motorcycle Insurance in Texas: Rating Factors
- Motorcycle Insurance in Texas: Other Coverage Options
- Motorcycle insurance in Texas: Frequently Asked Questions
- INSURANCE SERVICES WE OFFER

Motorcycle Insurance in Texas: State Requirements
Company | Liability (Average) |
---|---|
Geico | $91.00 |
Dairyland | $98.00 |
Progressive Insurance | $117.00 |
States require insurance by law to drive. Texas has it’s own state required liability limits. This is all you need to insure a motorcycle in order to legally operate a bike, even a Moped in Texas! It might be wise however to purchase greater limits of liability at a higher premium.
But if simple and cheap is what you are looking for seek out Liability-Only Motorcycle Insurance in TX to get you started. Further coverages like MedPay, Collision, and the like can be added later.
Below are some average rates by city for Motorcycle insurance in Texas. You’ll notice some areas are higher.. this is directly related to the population density of the area. This’ll raise the rate if an area is more populous or lower the rates if an area has less drivers. Less drivers mean less traffic and less opportunity for an accident. Which means savings for you.
So should we all just move out of the city? Maybe, but typically an individual living in the ‘city’ are paying for the convenience of city life. This can mean higher insurance rates. Find your City below for motorcycle insurance in Texas.
Motorcycle Insurance In Texas: Cheapest Liability Rates by City
One variable that has a huge impact on rates is the zip code.
If a city has a high number of traffic incidents, the rates will be higher. If it is more populated, insurers view this as more drivers on the road, and a higher potential to get in accidents, so rates will be high.
While at times it is out of our control where we live, we can each do our part to keep insurance rates down by contributing to a safer driving environment. Continue practicing safe driving habits and be one less statistic that makes your city so expensive!
City | Average Price |
---|---|
Amarillo | $114.00 |
Arlington | $124.00 |
Wichita Falls | $121.00 |
Fort Worth | $102.00 |
Waco | $97.00 |
New Braunfels | $110.00 |
Edinburg | $131.00 |
McKinney | $133.00 |
Frisco | $104.00 |
Motorcycle Insurance in Texas: Best Full Coverage Rates
As mentioned above Liability-Only insurance at the State Minimum need not be the type of coverage beneficial for you. You may opt for greater coverages with the goal of protecting your property and assets.
Full Coverage is adding Comprehensive and Collision coverage to your bike. SO when searching for Full coverage motorcycle insurance in Texas does this mean the cost is at a premium? Not necessarily!
Comprehensive and Collision are coverages that protect your vehicle from theft, weather, or other damages. Why might you choose these coverage options?

One reason may be that you are paying a Lienholder monthly for your motorcycle. In this case they may insist on you having full coverage in case of a total loss.
Another reason may be that even though your bike is paid off, it may be a rare collectors or worth much more than an average motorcycle. Making a total loss quite costly.
City | Price |
---|---|
San Antonio | $177 |
Dallas | $178 |
Texas City | $187 |
Houston | $207 |
Corpus Christi | $176 |
Euless | $203 |
Pasadena | $177 |
McKinney | $190 |
The Woodlands | $199 |
Keller | $190 |
Lubbock | $221 |
Motorcycle insurance in Texas: How do You Get a Free Quote?
Give us a Call at 888-445-2793 and get quoted in under 10 mins.
What can you expect when you call to get a free quote?
First, your agent will ask you a series of questions. They are not trying to invade your privacy, don’t worry! These questions are required by insurance carriers in order to give you an estimated rate.
Once you get your quote, you will be asked to provide your driver’s license and we will run an MVR report and an insurance report to verify there aren’t any surprises that will cause your rate to jump up.
If you are good with the results, we help you process your policy with your choice of payment plans and payment method.
Motorcycle Insurance in Texas: How do you Get a Motorcycle License?
Before we begin to explain the process of getting a motorcycle license in Texas, you must first obtain a regular driver license. Which you probably already have. Now, with that out of the way, what are the steps to acquiring a license to bike?!
To be granted the Class M driver license you must take an State approved motorcycle safety course and present it completed at a DMV. A vision and written test may be required, but after that you are a licensed Texas motorcycle operator.
Individuals younger than 21 are required to do more extensive training. Click Here to read about the restrictions.
Motorcycle Insurance in Texas: Motorcycle Safety Tips
#EndtheStreak is a popular Texas hashtag ran by Txdot.gov that takes the adage ‘Look Twice, Save a Life’ for motorcycle safety to the next level. This campaign is targeted toward motorists to watch out for motorcycles in Texas. However, there is much a rider can do to contribute to the safety of the roads themselves.
Be defensive! A motorcyclist should constantly be aware of their surroundings to calculate the probability of a potential accident.
FOR EXAMPLE
You are riding along the road in the evening, the sun is setting in the horizon with the wind on your face. As you pull to a traffic light turning red you notice a sedan merge into your lane without signaling or pausing to see you.
The Defensive driver now has some data to analyze… This motorist changes lanes thoughtlessly, the motor vehicle operator of this four door also appears to have clear blind spots they ignore, and lastly does not use turn signals to warn their fellow drivers of a merge.
Final assessment? Give a wide girth keeping a safe brake distance from this automobile and maintain controllable speed when maneuvering in their blind spot.
The above scenario could take a quarter of a second to process in your mind and save a lifetime of pain. Motorcycle training courses can also aid in this defensive driving mindset.
Motorcycle Insurance in Texas: Rating Factors
Below are a list of factors that contribute to the final premium monthly you be paying for you motorcycle insurance in Texas. Some you have control over, while others not so much, still others can be improved.
Rating Factors |
---|
Riding Frequency |
Rider Experience |
Education Level |
Driving History |
Gender |
Rider Age |
Coverages |
Type of Bike (Engine Size) |
Location |
Occupation and Credit |
Motorcycle Insurance in Texas: Other Coverage Options
There are many different coverage options out there so pay for what you need and not a penny more. At the same time, certain coverages for example like Full Coverage which is adding Collision and Comprehensive DO NOT cover Medical Payments or Roadside. Any insurance agent looking out for your interests will be able to explain all of these coverage options, whether it is for Auto insurance or Motorcycle insurance in Texas.
Below are different options you might wish to add to your policy.
Additional Coverages |
---|
Diminishing Deductible |
Trip Interruption |
Transport Trailer Coverage |
Rental Reimbursement |
Medical Payments |
Uninsured Motorist Bodily Injury |
Collision |
Accessory Coverage |
Safety Riding Apparel |
Roadside/Trip Interruption |
Roadside |
Guest Passenger Liability |
Optional Equipment |
Physical Damage Plus |
Carried Contents |
Uninsured Motorist Property damage |
Liability |
Comprehensive |
Motorcycle insurance in Texas: Frequently Asked Questions

How Much Does Motorcycle Insurance Cost in Texas?
Company | Liability (Average) |
---|---|
Geico | $91.00 |
Dairyland | $98.00 |
Progressive Insurance | $117.00 |
How much is a motorcycle license?
According to www.dps.texax.gov obtaining a Texas driver license with a motorcycle is $44.00.
INSURANCE SERVICES WE OFFER

Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Other Texas Insurance Guides |
Auto Insurance in Texas |
SR22 Insurance in Texas |
Last Updated on by amy Christie