Texas Motorcycle Insurance Information & Services


The state of Texas has the most miles of road of any of the United States. Take full advantage of them by riding a motorcycle, and we’ll get you an affordable and dependable motorcycle insurance policy in as little as 10 minutes. 

There are many ways to prove your financial responsibility in Texas, but there is only one way to make sure that you get the best deal possible on Texas motorcycle liability insurance policies, shop with us! Click the buttons or call 1-800-771-7758 to get started receiving your free motorcycle insurance quotes instantly. 

We are a full-service insurance agency offering free quotes and the lowest monthly rates on both full coverage and liability motorcycle insurance. We even insure classic and vintage motorcycles like Indian, Harley Davidson, and rare brands.


Liability Insurance: Texas Motorcycle Insurance Requirements 

The following are the absolute minimum motorcycle insurance requirements for the state of Texas. These required amounts are determined by the state of Texas’ Department of Motor Vehicles to be sufficient for protecting other drivers on public roadways from the risk posed by your driving or riding.

If you choose motorcycle liability insurance as your means of demonstrating financial responsibility, you must purchase a motorcycle insurance policy that can provide benefits in at least the following amounts after an accident.

  • $30,000 bodily injury liability for one person in an accident
  • $60,000 bodily injury liability total per accident
  • $25,000 property damage liability per accident

Remember always that these liability insurance limits, are only the minimum amounts required, and any good insurance agent or lawyer will encourage you to purchase additional insurance if...

  1. You have a lease on your motorcycle and the dealer or your financier have a security interest in the physical state of the vehicle. OR
  2. You could not pay to repair or replace your motorcycle in the event of an accident.


Read more to find out about motorcycle insurance coverage beyond the bare minimum, and what options are available to you.


Do I Need Texas Motorcycle Liability Insurance? 

No, insurance is just one of many different options for proving financial responsibility in Texas. A liability insurance policy is still the cheapest option for proving financial responsibility however, 

There are several liability insurance alternatives in Texas though, and they are as follows: 

  1. A current auto insurance policy or car, or binder issued pending issuance of a liability policy (minimum limits of 30/60/25).
  2. A certificate of compliance showing that a surety bond filed with the Texas Department of Public Safety (DPS).
  3. A certificate showing that $55,000 in cash or securities has been deposited with the State Comptroller.
  4. A copy of a certificate filed with the DPS that was issued by a county judge (and acknowledged by a sheriff) verifying you have deposited at least $55,000, in cash or by cashier's check, with the county judge.  County judge must be in the county where the vehicle is to be registered.
  5. A copy of a self-insurance certificate issued by the DPS (must own 25 vehicles or more to qualify).

For options 2-5, a certificate of financial of responsibility must be issued by the authorities for you to keep on file with the DMV, otherwise you will not have proof of insurance during traffic stops or when you attempt to register your vehicle or renew registration.
Read more: http://www.nasdaq.com/article/alternatives-to-car-insurance-cm251682#ixzz2cjKQpLxR


Texas SURE Program

The Texas SURE program is a collaboration of the Texas Departments of Insurance, Public Safety, Motor Vehicles, and Information Resources to make it tougher for drivers to get away with driving without insurance.

Basically Texas authorities now have the ability to cross reference data from all of the above departments and triangulate precisely who is driving without insurance based on policy end-dates, payments made to insurance companies, registration suspensions, and other data.

Basically it’s impossible to avoid tickets and fines for driving without insurance in Texas if you also fail to meet one of the above requirements.


Other Motorcycle Insurance Coverage Options

  • collision
  • Comprehensive
  • Full Coverage
  • Personal Effects
  • Uninsured/ Under Insured Motorist
  • Many More 

For more information on Texas motorcycle insurance you may visit the following websites.

Transportation Code Pertaining to Financial Responsibility