Motorcycle insurance in Texas
Texas requires all motorcyclists to meet the same minimum coverage limits as drivers. The Lone Star State enjoys a year-round motorcycle season, so Texans have plenty of chances to ride — as long as they're insured. Learn more about what kind of insurance is required, what additional coverages are available, and how you can save on motorcycle insurance in Texas from Austin to Houston with valuable discounts.
What are the motorcycle insurance requirements in Texas?
If you want to ride in Texas, you'll need to carry liability insurance to pay for damage and injuries you cause to others. This type of coverage is called "bodily injury and property damage" and is often abbreviated "BI/PD." This minimum coverage only covers others, though. It doesn't protect you or your bike. The minimum requirements to operate a motorcycle in Texas are:
- $30,000 in bodily injury per person
- $60,000 in total bodily injury per accident
- $25,000 in property damage per accident
Progressive is the country's #1 motorcycle insurer. Get a motorcycle insurance quote online in minutes and find out why other riders choose Progressive.
What's included in a Progressive motorcycle insurance policy in Texas?
Progressive policies always pay to repair your bike to the condition it was in before the accident or better. We always use matching parts: OEM parts for bikes with original equipment manufacturer parts and custom parts for bikes with custom parts.
If your bike has add-ons, upgrades, or accessories, our Accessories coverage (sometimes called "CPE" for "custom parts/equipment") will protect them, so you don't have to re-customize your bike after a crash. We automatically include $3,000 in coverage with comprehensive and collision coverage, but you can increase that limit to as much as $30,000 depending on your needs.
Standard motorcycle insurance coverages
The most important part of any motorcycle insurance policy in Texas is the BI/PD coverage required by law. Our policies meet state requirements for liability and can be customized with higher limits if you're concerned about financial responsibility after a crash. Other basic physical damage protections include collision coverage, which can pay for damage to your bike after a crash regardless of fault, and comprehensive coverage, which may pay for non-collision damages that result from forces outside your control, like natural disasters or vandalism.
Other common coverages are medical payments which can cover medical bills for you or your passenger, and uninsured motorist coverage for your motorcycle, which can help cover the difference when another driver is at fault but doesn't have adequate insurance to pay for the damages they caused you.
Other motorcycle coverages available in Texas
Beyond the basics, you can upgrade your policy with optional motorcycle insurance coverages such as:
- Roadside assistance covers the cost of towing your bike to the nearest mechanic. It can be further expanded with trip interruption protection to cover costs like hotel or transportation if you're away from home.
- Enhanced injury protection can pay up to $250 a week for as long as two years if injuries from a covered accident leave you unable to work.
- Carried contents offers coverage for personal effects or other belongings you carry on your bike in the event of a covered loss.
- Total loss coverage pays the full replacement cost of a new motorcycle without depreciation (minus deductible) in the case of a total loss — as long as the bike is no more than one model year old on a new policy or two years old on a renewal.
Learn more about the available motorcycle insurance coverages.
How much is motorcycle insurance in Texas?
Insurance rates are highly personalized. They reflect factors like your age, sex, location, driving history, the kind of motorcycle you drive, and the coverage limits on your policy. In general, though, Progressive's rates in Texas are in line with its national average.
Learn more about motorcycle insurance costs.
Where to find cheap motorcycle insurance in Texas
Whether you're searching for the best motorcycle insurance in Texas or just the best deal, Progressive's customizable policies are a great place to start. We insure nearly 1 in every 3 motorcycles on the road nationwide and offer many motorcycle insurance discounts, including:
- Motorcycle endorsement
- Safety course
- Association member
- Responsible driver
Learn more about motorcycle insurance discounts.
After a crash, Progressive's physical damage protection can get you back on the road. We always use matching parts — OEM for original equipment and custom for custom equipment — so your bike will be just like it was before.