Motorcycle Insurance in Texas
Motorcycle insurance in Texas varies far more between carriers than car insurance does, especially around custom parts, passenger liability, and layup discounts. I compare the carriers that actually specialize in bikes instead of treating yours like a car.
What motorcycle coverage includes
- Liability, collision, and comprehensive for your bike
- Custom parts and accessories coverage
- Uninsured motorist protection for riders
- Passenger liability and safety apparel coverage
- Layup discounts for the months you don't ride
Why use an independent agent
I'm not captive to one company. As an account executive with Goosehead Insurance, the #1 personal lines brokerage in Texas, I shop your policy across 150+ carriers, explain the trade-offs in plain language, and stay your single point of contact for renewals and claims.
Questions first? Call or text 346-333-0046.
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Motorcycle insurance FAQs
How much is motorcycle insurance in Texas?
Liability-only coverage often runs $200–$500 a year, while full coverage on a newer sport bike can exceed $1,200. Bike type, rider age, and riding history move the price more than anything else.
How do I get cheap motorcycle insurance in Texas?
Take a motorcycle safety course, bundle with your auto or home policy, use layup coverage during winter months, and shop the specialty carriers — the gap between the cheapest and priciest quote on the same bike is routinely 2–3x.
Is motorcycle insurance required in Texas?
Yes. Texas requires the same 30/60/25 liability minimums as cars. Collision and comprehensive are optional unless you're financing the bike.
Motorcycle insurance across Texas
I'm licensed statewide (Texas License #3530322) and write motorcycle insurance for clients in Houston, Dallas–Fort Worth, San Antonio, Austin, Corpus Christi, El Paso, Galveston, Lubbock, Amarillo, Waco, Beaumont, Laredo, Brownsville, Abilene, Midland, Arlington, Garland, and Plano — plus every town in between. Same application, same carrier panel, wherever you are in Texas.
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