LIABILITY COVERAGE
It protects you if you’re at fault in an accident, covering costs for injuries and property damage of the other party, and meets Texas law requirements.
WHY PAY MORE?
GET AFFORDABLE MOTORCYCLE INSURANCE RATES IN TEXAS
Standard 
Cruiser 
Sport
Touring
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LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF MOTORCYCLES CAN I INSURE IN TEXAS?
Cruiser Motorcycles
With a dependable safety net in place, you can enjoy every ride on your cruiser with confidence. Our plans ensure your journeys stay stress-free, secure, and enjoyable.
Sport Bikes
Sportbike insurance helps cover high repair costs, medical bills, and accidents due to high speeds. It ensures riders are financially protected in risky situations and events.
Touring Motorcycles
These long-distance bikes require insurance for collision, theft, and liability, ensuring coverage for both the rider and passenger on extended trips.
Dirt Bikes
Insurance for dirt bikes protects against accidents, theft, and damage from off-road riding. It can cover repairs and natural damage, keeping riders secure in rough terrains.
Electric Motorcycles
Insurance for electric motorcycles covers damage, theft, and liability, providing specialized coverage for unique electrical systems and high-tech components.
Scooters
It protects your scooter as you zip through Texas city streets. It protects city commuters, providing essential liability coverage and peace of mind against potential risks.
WHY IS CINCO THE BEST CHOICE FOR MOTORCYCLE INSURANCE IN TEXAS?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/ Phone/ In-Person Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY MOTORCYCLE IN TEXAS?
COLLISION COVERAGE
This coverage provides repairs and replacements for your motorcycle following an accident, regardless of who is at fault, ensuring your bike remains financially protected.
COMPREHENSIVE COVERAGE
Protects your motorcycle against non-collision events, such as theft, fire, vandalism, and natural disasters, offering peace of mind against unexpected damage.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
Provides financial protection if you're in an accident caused by a driver with insufficient or no insurance coverage, ensuring your safety on Texas roads.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Provides financial support for medical expenses for you and your passenger after an accident, covering necessary treatments and associated costs.
PERSONAL INJURY PROTECTION (PIP)
It covers medical costs, lost wages, and additional expenses for you and others involved in an accident, lessening the financial burden on all parties.
ROADSIDE ASSISTANCE
Offers support if your motorcycle breaks down, including services for flat tires, towing, and other roadside emergencies, providing help on the road.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Protects custom parts and equipment on your motorcycle, ensuring repairs or replacements for unique additions in case of theft, damage, or other incidents.
GAP INSURANCE
Covers the difference between your motorcycle’s value and your remaining loan balance if it's totaled or stolen, preventing financial loss.
ACCESSORY COVERAGE
Protects custom parts and accessories on your motorcycle, like exhausts or helmets, from theft or damage, ensuring your upgrades are fully covered.
HOW IT WORKS
EXPLORE
Review our straightforward process for obtaining insurance coverage in Texas, personalized for you, ensuring simplicity and ease every step of the way.
CONNECT
Contact our auto insurance experts, who are ready to guide you through your options, answer questions, and help customize coverage based on your needs.
COMPARE
Get personalized quotes from the leading insurance providers in your area to secure the best rates and ideal coverage for your specific requirements.
THE MOTORCYCLE INSURANCE LANDSCAPE IN TEXAS
Texas, known for its open roads and diverse landscapes, is a motorcyclist's dream. With endless highways and unique city routes, it offers freedom of the road paired with Texan charm. However, riders must stay vigilant and prepared for varying weather conditions on every journey across the Lone Star State.
Motorcycle insurance is essential for peace of mind and legal compliance. The state mandates a minimum level of liability coverage to protect riders in the event of an accident. Still, many opt for additional coverage due to the prevalence of heavy urban traffic and rural roads. This is why reliable motorcycle insurance is critical for the residents.
CINCO Auto Insurance proudly serves motorcyclists with affordable, easy-to-understand policies personalized for each rider's unique needs. Whether you're cruising city streets or exploring diverse landscapes in the state, we ensure you're fully covered against risks every mile of the journey.
Motorcycle insurance is essential for peace of mind and legal compliance. The state mandates a minimum level of liability coverage to protect riders in the event of an accident. Still, many opt for additional coverage due to the prevalence of heavy urban traffic and rural roads. This is why reliable motorcycle insurance is critical for the residents.
CINCO Auto Insurance proudly serves motorcyclists with affordable, easy-to-understand policies personalized for each rider's unique needs. Whether you're cruising city streets or exploring diverse landscapes in the state, we ensure you're fully covered against risks every mile of the journey.
FACTORS THAT IMPACT MOTORCYCLE INSURANCE RATES IN TEXAS
Motorcycle insurance costs vary based on several important factors that insurers use to assess each rider's risk in Texas. These factors vary between individuals based on their unique driving profiles. For example, younger riders and those with previous traffic violations may face higher premiums. Additionally, the rider's location can affect rates, as urban areas with higher accident rates tend to have higher premiums. The following factors can also affect the rates of insurance:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE MOTORCYCLE INSURANCE IN TEXAS?
In Texas, motorcycle insurance is vital for all riders. It helps provide essential financial protection and meet legal requirements. It ensures compliance with state laws and offers coverage for you and your motorcycle. For sport bike owners and those with custom bikes, insurance is essential for managing a range of potential risks on the road. Whether it is legal expenses or vehicle repair costs, here is a list of individuals who can benefit the most from an adequate insurance policy:
Motorcycle owners to comply with legal requirements.
Riders financing or leasing their motorcycles.
Individuals seeking protection from accident-related expenses.
High-risk riders for liability coverage.
Riders in states with mandatory motorcycle insurance.
Motorcycle club members for group events and rides.
Off-road riders needing specific coverage.
Owners of custom or high-value motorcycles.
Seasonal riders needing flexible coverage options.
Riders participating in motorcycling events or competitions.
WHY IS MOTORCYCLE INSURANCE NECESSARY IN TEXAS?
HOW DOES MOTORCYCLE INSURANCE WORK IN TEXAS?
Motorcycle insurance provides financial protection if you're involved in an accident or face damage. By paying a premium, you receive coverage, including liability insurance that protects you in accidents where you're at fault. This coverage helps manage costs for property damage and bodily injuries, shielding your finances from the strain of challenging situations on Texas roads.
Additional options, such as collision and comprehensive coverage, help protect you against risks including accidents, theft, and natural disasters like storms and vandalism. Riders can also opt for uninsured and underinsured motorist protection, which provides additional coverage in the event of an accident involving drivers with limited or no insurance. This helps you stay financially secure and protected on the road.
Additional options, such as collision and comprehensive coverage, help protect you against risks including accidents, theft, and natural disasters like storms and vandalism. Riders can also opt for uninsured and underinsured motorist protection, which provides additional coverage in the event of an accident involving drivers with limited or no insurance. This helps you stay financially secure and protected on the road.
HOW MUCH MOTORCYCLE INSURANCE COVERAGE DO I NEED IN TEXAS?
In Texas, motorcyclists are required to carry at least the state's minimum liability insurance, commonly referred to as '30/60/25' coverage. This means your policy must cover up to $30,000 per person for injuries, a total of $60,000 per accident for all injuries, and $25,000 for property damage. This coverage only pays for damages and injuries you cause to others in an accident, not your costs.
While these limits meet legal requirements, they may not fully protect you in a serious accident. Medical bills and property damage can quickly exceed these amounts, leaving you personally responsible for the difference. To ensure peace of mind, consider purchasing higher liability limits, uninsured motorist coverage, and additional options, such as collision or comprehensive insurance.
While these limits meet legal requirements, they may not fully protect you in a serious accident. Medical bills and property damage can quickly exceed these amounts, leaving you personally responsible for the difference. To ensure peace of mind, consider purchasing higher liability limits, uninsured motorist coverage, and additional options, such as collision or comprehensive insurance.
WHAT DISCOUNTS CAN I GET FOR MOTORCYCLE INSURANCE IN TEXAS?
Motorcycle insurance is essential for protecting you and your bike on the roads. Fortunately, many Texas insurance providers offer a range of discounts to help reduce your premiums. These discounts can make coverage more affordable while ensuring you have the protection you need. Always consult your provider to determine if you qualify for any discounts. Some discounts include safe rider, multi-policy, safety course completion, and anti-theft device discounts. The following are the discounts you can get:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES MOTORCYCLE INSURANCE COST IN TEXAS?
In Texas, motorcycle insurance costs between $300 and $1000 per year, depending on age, driving record, and bike type. While this may seem like a significant expense, it's worth it for the comprehensive protection it provides. This insurance covers more than just your two-wheeler; it also assists with medical costs, liability coverage, and property damage in the event of an accident.
Even at an affordable rate, motorcycle insurance can provide the necessary coverage for students or individuals who are unemployed. Basic policies can provide crucial protections, such as personal injury and bike damage coverage, keeping you financially protected. It also gives you peace of mind and safety, knowing you're covered against unexpected accidents and the associated out-of-pocket costs.
Even at an affordable rate, motorcycle insurance can provide the necessary coverage for students or individuals who are unemployed. Basic policies can provide crucial protections, such as personal injury and bike damage coverage, keeping you financially protected. It also gives you peace of mind and safety, knowing you're covered against unexpected accidents and the associated out-of-pocket costs.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE MOTORCYCLE INSURANCE QUOTE IN TEXAS?
To get an accurate motorcycle insurance quote, you must provide key details, including your riding history, motorcycle make and model, and annual mileage. Insurance providers use this information to assess the associated risk and calculate your premium costs, ensuring coverage matches your needs. The more complete and accurate the details you provide, the more precise your quote will be. The following is a list of the essential requirements to get a precise motorcycle insurance quote in Texas:
COMPARE MOTORCYCLE INSURANCE RATES IN KEY TEXAS CITIES
Motorcycle insurance rates across Texas cities differ due to factors like traffic congestion, accident frequency, weather risks, and regional risk assessments. Larger cities with higher population densities often face increased premiums, while smaller towns may have more affordable rates. Understanding these cost variations helps riders make informed decisions. Below is a detailed breakdown of average annual motorcycle insurance rates across key Texas cities:
$675
$625
$600
$550
$625
$550
$600
$550
$600
$500
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: Motorcycle Legal Foundation
Last Update: Jun 17, 2026
COMPARE MOTORCYCLE INSURANCE RATES IN TEXAS BY INSURANCE COMPANY
Choosing the right motorcycle insurance provider in Texas can make a substantial difference in terms of cost and coverage. Several top companies offer competitive rates, ensuring riders find policies that fit their needs and budgets. Rates vary based on factors such as location and riding history, but knowing the average costs can help you make informed decisions. Here is a look at the top motorcycle insurance companies in Texas and their average annual rates:
$200
$235
$255
$280
$295
$315
$330
$345
$375
$420
Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.
Source: Value Penguin
Last Update: Jun 17, 2026
GET A FREE MOTORCYCLE INSURANCE QUOTE IN TEXAS
Start your journey to safe and affordable riding with CINCO Auto Insurance. Just fill out the form, and once you submit, one of our friendly auto insurance agents in Texas will contact you to discuss personalized coverage options, answer your questions, and inform you about potential available discounts.
If you prefer not to fill out the form, you can also contact us by phone, email, or in person. Get your free motorcycle insurance quote today and ride confidently with peace of mind across Texas!
If you prefer not to fill out the form, you can also contact us by phone, email, or in person. Get your free motorcycle insurance quote today and ride confidently with peace of mind across Texas!
Standard
Cruiser
Sport
Touring
CRUCIAL MOTORCYCLE STATISTICS AND INSIGHTS IN TEXAS YOU SHOULDN'T MISS
Understanding motorcycle accident statistics and insights is crucial for riders who prioritize safety and make informed decisions about their riding practices. These figures reveal patterns that may contribute to accidents, highlight risky behaviors, and show the number of registered motorcycles in Texas. Based on recent data from 2021 to 2024 , these statistics provide relevant insights that help riders stay alert to potential dangers and encourage safer practices on Texas roads. Here are some key findings to consider:
01
Nearly 600 motorcyclists were killed in crashes in Texas in 2023, with more than 2,400 riders seriously injured. (Spectrum News)
02
In one year, Texas recorded 9,094 motorcycle drivers and passengers involved in accidents, resulting in 562 fatalities and 2,422 suspected severe injuries. (Farah Law)
03
Motorcycle fatalities in Texas increased by nearly 17% between 2019 and 2020 and another 7% over the course of 2021. (Roach Law Firm)
04
Approximately 30% of all fatal motorcycle accidents involve drivers with a blood alcohol level above the legal limit. (NHTSA)
05
On average, 1.3 motorcyclists die every day on Texas roads. (Haney Pascal & Romoser)
06
Motorcycle helmets reduce the likelihood of a crash fatality by 37%. (Haney Paschal & Romoser)
07
From 2010 to 2017, there were 68,877 crashes involving motorcyclists in Texas. (McDonald Worley)
08
In 2017, more than 450 motorcyclists were killed in accidents in Texas, with another 1,887 drivers and passengers suffering serious injuries. (Herrman & Herrman Lawyers)
09
In 2021, there were 599 fatalities and more than 2,400 serious injuries from motorcycle accidents in Texas. (J.D. Silva & Associates)
10
The months from May through October account for the vast majority of motorcycle accident fatalities in Texas. (Bailey & Galyen Attorneys)
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I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
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I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
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Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
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