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Motorcycle Insurance in Texas

Motorcycle insurance provides financial protection for riders against liabilities, damages, and theft. In Texas, state law mandates liability insurance for motorcycles with specific minimum coverage requirements and comprehensive coverage is highly recommended due to the state's diverse terrain and high motorcycle population.

CINCO specializes in helping motorcyclists find the best motorcycle insurance options by offering tailored policies that meet state requirements and individual needs. With CINCO, riders can navigate the complexities of insurance in Texas with confidence and peace of mind.

Why Do I Need Motorcycle Insurance In Texas?

In Texas, motorcycle insurance is mandatory. Riding without it can lead to fines, license suspension, or other legal issues.

Motorcycle insurance covers medical expenses for you and your passengers if an accident causes injuries, ensuring financial protection.

Accidents can damage more than just your bike. Insurance typically includes coverage for repairing or replacing other damaged property.

If you're at fault in an accident, liability insurance helps pay for damages or injuries to others and their property, protecting your finances.

Motorcycle insurance lets you enjoy your ride with peace of mind, knowing you're protected against various risks and legal issues.

How Much Does Motorcycle Insurance Cost In Texas?

The cost of Texas motorcycle insurance typically ranges between $300 and $800, varying significantly based on factors such as your age, driving record, and more. If you are unemployed or a student, you may want to look for insurance that covers both personal injury and bike damage, which are relatively easy to find and relatively affordable in the market.

Type of motorcycle

Rider’s age and experience

Location

Annual mileage

Claims history

Safety features

Credit score

Policy deductibles and limits

Compare Motorcycle Insurance Rates Across Key Texas Cities

Insurance rates vary across major Texas cities because of population density, traffic volume, crime rates, and local weather conditions. Larger cities, such as Houston, Dallas, and San Antonio, tend to command higher premiums due to increased urban risks, such as traffic accidents and theft.

City Name

Average Annual Insurance Rates

Houston

$450 - $900

San Antonio

$400 - $850

Dallas

$400 - $800

Austin

$350 - $750

Fort Worth

$400 - $850

El Paso

$350 - $750

Arlington

$400 - $800

Corpus Christi

$350 - $750

Plano

$400 - $800

Lubbock

$300 - $700

WHAT DISCOUNTS CAN I GET FOR Motorcycle INSURANCE IN TEXAS?

Texas insurance providers frequently offer various discounts to help riders reduce their premiums. These discounts may encompass multi-policy savings, where combining motorcycle coverage with other insurance policies like auto or home insurance results in reduced rates. 

DISCOUNT NAME

DESCRIPTION

Multi-Policy Discount

Save when you bundle your insurance with other policies.

Safe Rider Discount

Save by maintaining a clean driving record

Motorcycle Safety Course

Discount is available for completing an approved motorcycle safety course.

Anti-Theft Device

Save with anti-theft devices installed on your motorcycle.

Good Student Discount

Discount for students with good academic records.

Motorcycle Association

Savings for being a member of a recognized motorcycle association.

What Are The Minimum Motorcycle Insurance Requirements In Texas?

In Texas, the minimum requirement for an insurance policy is liability coverage. This coverage must meet the following minimum limits:

  • $30,000 for injury or death to one person in an accident.
  • $60,000 for bodily harm or death to two or more persons in a single accident.
  • $25,000 for property damage liability per accident.

These minimum coverage requirements protect motorcyclists in Texas by providing coverage if they are at fault in accidents that cause injury to others or damage to property.

What Types Of Motorcycle Can I Insure With CINCO in Texas?

Get affordable insurance for your scooter adventures, ensuring a worry-free and enjoyable ride every time.
Our budget-friendly moped insurance protects you on the road, offering peace of mind while you ride.
Find the most affordable dirt bike insurance for trail and off-road bikes so you can enjoy your adventures worry-free.
Ride confidently, knowing our insurance covers you, making your cruiser adventures stress-free and enjoyable.
Tailored sports bike insurance ensures thrill-seekers like you can ride with confidence and peace of mind.

What Coverages Can I Get For My Motorcycle In Texas?

Liability Coverage

Protects you from financial liability if you're at fault in an accident that causes injury or property damage.

Collision Coverage

This insurance coverage covers repairs or replacement of your motorcycle if damaged in a collision.

Comprehensive Coverage

Protect your bike from non-collision incidents such as theft, vandalism, or natural disasters with this coverage.

Uninsured/Underinsured Motorist Coverage

Provides coverage if you're involved in an accident with a driver who lacks insurance or sufficient coverage.

Medical Payments Coverage

It covers medical expenses for you and your passengers after an accident, no matter who is at fault.

Personal Injury Protection (PIP)

Offers broader coverage for medical expenses, lost wages, and other damages resulting from an accident.

Guest Passenger Liability

It covers injuries or damages to passengers while riding with you, ensuring their protection and peace of mind.

Custom Parts and Equipment Coverage

Protects your motorcycle's custom parts and equipment against damage or theft, ensuring your modifications are secure.

Roadside Assistance

Provides help if your motorcycle breaks down, including towing services and minor roadside repairs.

Trip Interruption Coverage

Covers expenses if your trip is interrupted due to a covered loss, such as lodging and transportation costs.

Why Is CINCO The Best Choice For Motorcycle Insurance In Texas?

Excellent Customer Service

Get Free Quotes

Multiple Convenient Locations Near You

Get Discounts

Affordable Premiums

HOW IT WORKS

Explore

Discover our straightforward process for obtaining insurance coverage in Texas tailored for you, ensuring simplicity and ease every step of the way.

Connect

Connect with our knowledgeable auto insurance experts to help you understand your options and find the best coverage.

Compare

Compare quotes from multiple insurance providers to ensure you get the best rates and coverage for your insurance needs in Texas.

Get A Free Motorcycle Quote In Texas

FIND CINCO AUTO INSURANCE NEAR YOU IN TEXAS

Cinco Auto Insurance Office Front

307 W Centerville Rd Suite C, Garland, TX 75041

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Cinco Auto Insurance Office Front

2750 W Northwest Hwy Ste 190, Dallas, TX 75220

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Cinco Auto Insurance Office Front

2210 S Beckley Ave, Dallas, TX 75224

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Cinco Auto Insurance Office Front

10335 Ferguson Rd, Dallas, TX 75228

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Cinco Auto Insurance Office Front

2513 S Hampton Rd, Dallas, TX 75224

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Cinco Auto Insurance Office Front

1440 S Buckner Blvd, Dallas, TX 75217

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Cinco Auto Insurance Office Front

9208 E R L Thornton Fwy #207b, Dallas, TX 75228

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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?

Luis Ortuno

Highly recommend! Completed my full coverage paperwork over the phone with Edward. Affordable prices and no waiting, unlike other agencies.

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Thank you, Edward! I got exactly what I needed within my budget. Quick, easy, and hassle-free service. Happy customer!

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Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.

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John

Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.

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