Texas motorcycle insurance costs between $200 and $800 per year for basic liability coverage, depending on your age, riding history, the bike you own, and which company quotes you

There is no single "Texas motorcycle insurance price" because insurers weight risk differently. A 25-year-old with a clean record on a 250cc sport bike will pay less than a 19-year-old on a 1000cc superbike, even with the same company. Liability-only coverage (the legal minimum in Texas) costs less than comprehensive and collision, which protect your own bike. The quotes you get also depend on whether you've taken a safety course, how many miles you ride annually, and whether you store the bike indoors.

The best way to understand what you'll actually pay is to get quotes from multiple insurers—not to find an average, but to see how each one prices your specific situation. Texas doesn't cap motorcycle insurance rates, so companies have room to charge differently. Some specialize in younger riders; others focus on older, experienced ones. A quote takes 10 minutes online and costs nothing.

Key Takeaways

  • Texas requires only liability coverage, which is the cheapest option but leaves your bike unprotected if you cause no accident.
  • Your age, driving record, bike model, and engine size all change your rate significantly—a 20-year-old and a 40-year-old on the same bike can pay $300 apart annually.
  • Completing a Motorcycle Safety Foundation course can lower your premium by 5 to 15 percent with most insurers in Texas.
  • Comprehensive and collision coverage add $300 to $600 per year but protect your bike from theft, weather, and accidents where you're at fault.
  • Getting quotes from at least three insurers takes under an hour and often reveals $200+ annual differences for identical coverage.

What Texas law requires and what it costs

Texas requires you to carry liability coverage with limits of at least 30/60/25—meaning $30,000 per person injured, $60,000 per accident, and $25,000 for property damage. This is the bare legal minimum. Liability-only coverage typically costs $150 to $400 per year, depending on your age and record.

Liability covers damage or injury you cause to someone else. It does not cover your bike if you crash, if someone hits you, if it's stolen, or if weather damages it. Many riders find this gap unacceptable once they own a bike worth more than a few hundred dollars. That's where comprehensive and collision come in, but they're optional under Texas law.

How age and riding history change your rate

Age is one of the largest cost drivers. Riders under 25 typically pay two to three times more than riders 30 and older, even on the same bike with the same coverage. A 19-year-old might pay $600 to $900 annually for liability-only; a 40-year-old on an identical bike might pay $200 to $300. Insurers treat young riders as statistically higher-risk because accident rates are higher in that age group.

Your riding record matters just as much. A clean record—no accidents, no tickets—keeps your rate low. A single at-fault accident can raise your premium 20 to 40 percent for three to five years. A speeding ticket adds 10 to 20 percent. A DUI or reckless driving conviction can double your rate or make you uninsurable with standard insurers, forcing you to high-risk pools where rates are much higher.

Some insurers offer discounts for completing a Motorcycle Safety Foundation (MSF) course. The Basic Rider Course takes one weekend and costs $150 to $250. Many insurers will knock 5 to 15 percent off your premium if you show proof of completion. Over three years, that discount often pays for the course itself.

How your motorcycle's size and type affect the quote

Engine size and bike type directly influence your rate. A 250cc beginner bike costs less to insure than a 600cc middleweight, which costs less than a 1000cc superbike. Insurers see larger, faster bikes as higher-risk because they're involved in more severe accidents. A 250cc cruiser might cost $200 to $300 annually for liability; a 1000cc sport bike on the same rider might cost $400 to $600.

The bike's model also matters. Sport bikes and cruisers in the same engine class may have different rates because their accident histories differ. Theft risk plays a role too—popular bikes that are stolen frequently cost more to insure. A Harley-Davidson Street 750 and a Honda CB500F are both mid-sized, but insurers may price them differently based on claims data.

The bike's value affects comprehensive and collision premiums. If your bike is worth $3,000, comprehensive and collision might add $300 to $500 per year. If it's worth $12,000, those coverages might add $600 to $1,000 per year because the insurer's potential payout is larger.

Comparing coverage options and what they cost

Texas riders typically choose between three coverage packages. Liability-only meets the law and costs $150 to $400 per year. Liability plus uninsured/underinsured motorist (UM/UIM) adds $50 to $150 per year and protects you if an uninsured or hit-and-run driver injures you. Liability, UM/UIM, comprehensive, and collision is the full package and costs $500 to $1,200 per year depending on your bike and age.

Comprehensive covers theft, vandalism, weather, and animal strikes—anything that isn't a collision. Collision covers accidents where you're at fault or hit a parked car. Both usually come with a deductible of $250, $500, or $1,000. A higher deductible lowers your premium; a lower deductible raises it. If your bike is financed or leased, the lender will require comprehensive and collision.

Medical payments coverage (MedPay) is optional and costs $20 to $50 per year. It covers your hospital bills after an accident, regardless of fault. If you have good health insurance, you may not need it. If you don't, it's worth considering.

Discounts that actually lower your Texas motorcycle insurance

Most Texas insurers offer discounts that stack, meaning you can combine them. A Motorcycle Safety Foundation course discount (5 to 15 percent) stacks with a multi-policy discount (10 to 25 percent if you insure your car and bike with the same company). A good-driver discount (usually 5 to 10 percent for three years without an accident or ticket) stacks with both.

Some insurers discount for low annual mileage—if you ride fewer than 2,500 miles per year, you may save 10 to 20 percent. Others discount for storing your bike in a garage rather than on the street. A few offer usage-based discounts if you install a tracking app that monitors your riding habits.

Ask about bundling when you get quotes. Insuring your motorcycle and car together often saves more than insuring them separately, even if the motorcycle-only rate looks cheaper at first glance.

How to get accurate quotes for your situation

To get a real quote, you'll need your driver's license, the motorcycle's VIN (vehicle identification number), and information about your riding habits. Most insurers ask how many miles you ride annually, whether you commute on the bike, and whether you store it indoors. They'll also ask about accidents and violations in the past three to five years.

Get quotes from at least three companies. Major insurers in Texas include State Farm, GEICO, Progressive, Allstate, and Nationwide, but regional and specialty motorcycle insurers like Dairyland and Motorcycle.com's partner insurers sometimes undercut them. Each company weights risk factors differently, so the cheapest quote for a 25-year-old might not be the cheapest for a 45-year-old.

When comparing quotes, make sure the coverage limits and deductibles are identical across all three. A quote for $250 liability-only with a $1,000 deductible on collision is not comparable to a $350 quote with a $500 deductible. Write down the exact coverage for each quote so you're comparing apples to apples.

Frequently Asked Questions

Do I need comprehensive and collision coverage in Texas?

No—Texas law requires only liability. But if your bike is financed or leased, the lender will require both. If you own it outright and can afford to replace it, liability-only is legal. If you'd struggle to pay for repairs or a replacement, comprehensive and collision are worth the cost.

Will my car insurance rate go up if I add a motorcycle?

Not usually. Motorcycle and car policies are separate, and one doesn't affect the other. However, bundling them with the same insurer often gives you a discount on both, so your total cost for both vehicles may be lower than insuring them separately.

How much does a safety course discount actually save?

Most insurers discount 5 to 15 percent for completing an MSF Basic Rider Course. On a $400 annual premium, that's $20 to $60 per year. The course costs $150 to $250, so the discount pays for itself in three to five years. Some insurers also waive the first accident forgiveness, which is another benefit.

Can I get motorcycle insurance if I have a DUI?

Yes, but standard insurers may decline you. You'll need to look at high-risk insurers, which charge significantly more—often 50 to 100 percent above standard rates. Some states have assigned-risk pools for drivers who can't find coverage; Texas does not have one for motorcycles, so your options are limited to companies that specialize in high-risk riders.

What happens to my rate if I get a ticket while riding?

A speeding ticket typically raises your rate 10 to 20 percent for three years. A reckless driving conviction can double it. The exact increase depends on the insurer and the violation. Some companies are more forgiving than others, so if your rate jumps significantly, get quotes from other insurers—you may find a better rate elsewhere.