Motorcycle Insurance in Texas

Riding a motorcycle in Texas offers an unmatched sense of freedom, but it also comes with risks that vary depending on where you’re traveling—from busy highways in Houston and Dallas to unpredictable weather on the Gulf Coast or wide-open rural roads in West Texas. These conditions highlight why safe riding habits and the right insurance coverage aren’t just recommended—they’re essential.

That’s where GEICO steps in for riders across the Lone Star State, offering well-rounded protection at affordable rates that can be personalized to fit each rider’s unique needs.

Is Motorcycle Insurance Required in Texas?

Yes, motorcycle insurance is required in Texas, just as it is for other motor vehicles, and riders must show proof of coverage to legally register their motorcycle. The state requires minimum liability coverage to ensure riders can cover damages or injuries they may cause in an accident, and failure to carry insurance can result in serious consequences.

Penalties for riding without insurance in Texas may include fines, surcharges, suspension of your license and registration, and even having your motorcycle impounded, making it critical for riders to maintain continuous coverage.

Minimum Motorcycle Insurance Coverage Requirements in Texas

The state of Texas requires all motorcycle riders to carry at least the minimum amount of liability coverage as part of their insurance policy. This includes both bodily injury and property damage liability, which are designed to protect the interests of other drivers if you are at fault in an accident.

Optional Motorcycle Insurance Coverages in Texas

While Texas’s state-required minimums create a solid foundation for motorcycle insurance, many riders choose to go beyond the basics for more complete protection. GEICO makes this easy by offering a wide range of optional add-ons that extend your coverage to better safeguard both you and your bike, such as:

• Collision coverage: Helps pay for repairs to your motorcycle after an accident, regardless of fault.
• Comprehensive coverage: Covers damage from theft, vandalism, weather, or other non-collision events.
• Uninsured/Underinsured Motorist (UM/UIM) coverage: Protects you financially if you’re involved in an accident caused by a driver who has no insurance or not enough coverage.
• Emergency Roadside Service: Provides help if you’re stranded due to a flat tire, dead battery, or breakdown.
• Emergency Roadside Service with trip interruption: Helps cover road travel costs if your motorcycle is rendered inoperable during a trip at least 100 miles away from your residence.

How Much Does Motorcycle Insurance Cost in Texas?

The average cost of motorcycle insurance in Texas tends to be close to, and in some cases or slightly higher than, the national average. This is largely due to factors such as the state’s dense urban traffic in cities like Houston and Dallas, severe weather risks along the Gulf Coast, and the long stretches of rural highways that can contribute to increased accident severity.

However, while statewide averages provide a general picture of how much you may pay, your individual premium will be shaped more directly by personal factors such as the type of motorcycle you ride, your riding history, and even your location within Texas.

Regardless of how these variables affect your rate, the most effective way to secure affordable motorcycle insurance is by taking advantage of the wide range of discounts available to riders.

Discounts on Motorcycle Insurance in Texas

At GEICO, we believe the right motorcycle insurance should always come at the right price for Texas riders. That’s why we provide a wide range of discount opportunities, offering savings for everything from bundling coverage and renewing your policy to practicing safe driving and adding safety features to your bike.

With so many options, nearly every policyholder can find a way to lower costs without giving up the essential protection they need on the road:

• Motorcycle policy transfer: Earn a discount when you transfer your motorcycle insurance to GEICO® Motorcycle.
• Multiple motorcycles: Lower your premium by insuring multiple motorcycles with GEICO.
• Mature riders: Get rewarded for years of experience driving a motorcycle.
• Insurance renewal: You may be eligible for a discount when you renew your motorcycle insurance with GEICO.
• Safety course: Pick up safe driving tips and reduced rates for completing a Motorcycle Safety Foundation Course.
• Instructors: Current Motorcycle Safety Foundation instructors may qualify for a discount on coverage.
• Multi-policy: Bundle your motorcycle insurance with another GEICO policy, like auto, to save.
• Clean driving record: Maintain a clean driving record to qualify for discounts, as safe driving habits lower the risk of claims.
• Auto pay: When you enroll in automatic payments, GEICO rewards your convenience with a discount, and you won’t have to worry about missing a payment.
• Early shopper: If you purchase a new policy before your current one expires, you may qualify for a discount—the earlier you switch, the more you could save.
• Paperless payment: Opting for paperless billing and electronic payments can lead to savings on your premium.
• Homeownership: Offered to policyholders who own a home, rewarding the stability and responsibility associated with homeownership.
• Internet quote: Applied when you request and purchase your insurance policy online, encouraging digital transactions and self-service.

Why Choose GEICO for Motorcycle Insurance in Texas?

GEICO serves as the preferred insurer for motorcycle riders in Texas thanks to its winning blend of reliable support, affordability, and flexible protection.

Backed by a decades-long reputation for dependability, GEICO provides riders with access to 24/7 digital tools, including the GEICO mobile app, live support agents, and local representatives who understand the unique needs of Texas motorcyclists. We also deliver competitive rates and one of the industry’s broadest selections of discount opportunities, making it easier to secure the right policy without straining your budget. Additionally, with a wide variety of coverage options, protection tailored to different types of bikes, and flexible payment plans, Texas riders can count on getting the coverage they truly need—without paying for what they don’t—on a schedule that works for them.

Get a Free Motorcycle Insurance Quote in Texas

GEICO makes it quick and easy to take the first step toward securing your Texas motorcycle insurance. You can get a personalized quote either online or by phone in just a few minutes.

The unexpected can happen at any time, so don’t wait, get your free quote today!