Insurance requirements for motorcyclists in Texas are the same as those for car drivers—but what happens if you’re in an accident without the proper coverage?
Minimum requirements for insurance are the same for motorcycles as for passenger vehicles in Texas but additional coverage is strongly recommended.
Penalties for riding a motorcycle without insurance in Texas are the same as those for driving a passenger vehicle without insurance.
Do you need motorcycle insurance coverage in Texas?
Yes. All Texas drivers—including those on motorcycles—are required to carry at least minimum amounts of liability insurance to prove financial responsibility for accidents in the Lone Star State.
To make sure you’re fully protected, it’s a good idea to increase your liability coverage limits to 100/300/100. You may also consider adding the following:
Seizure and impoundment of your motorcycle and any other vehicle registered in your name for at least 180 days
All of these repercussions may leave you feeling like you’d be better off fleeing the scene if you’re involved in an accident without the proper coverage in Texas—but you’d be wrong.
takes all the consequences listed above and adds a criminal charge to them.
Where to buy motorcycle insurance in Texas
Most major insurance providers offer policies that cover motorcycles in Texas. If you’re looking for the ones that offer the best coverage with the lowest premiums, here are some of our top picks:
saved me so much time and money! I went from $230 to $150, still with full coverage! The whole process was amazingly simple!” —Ronda S.
FAQs
Can you drive a motorcycle with a car driver’s license in Texas?
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You can only drive a motorcycle in Texas with a Class C car driver’s license if it includes a motorcycle endorsement.
How much is Texas motorcycle insurance?
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Insurance is a highly personalized product so pricing will vary from one rider to the next. That said, recent studies indicate an average cost of about $631 per year for basic liability coverage that meets state minimums.
How much you pay will depend on several factors, including your personal driving record, the type of motorcycle you ride, and the
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