Compare motorcycle insurance in Texas

Texas has a high average cost for motorcycle insurance on its risky roads. Yet you will find multiple choices of bike insurers, which could help you find the best insurance deal.

Average motorcycle insurance rates in Texas

Riding in Texas costs motorcyclists an average $749 per year, well above the national average of $518.

Inflated rates may be attributed to the scores of accidents that happen across both cars and bikes — in 2018, there was one vehicle crash every 58 seconds, according to the Texas Department of Transportation. This increased risk means even more danger for motorcycle riders. In addition, Texas requires a high amount of insurance and may see an influx of claims because of its large number of motorcycle owners.

Minimum motorcycle insurance requirements in Texas

Riding Texas roads requires liability insurance. You can show financial responsibility before facing an accident by:

• Liability coverage. You’re required to have at least 30/60/25 in liability coverage, which is high compared to many states.
• Surety bond. Get a surety bond with at least two people who own property, backing you if you can’t fulfill accident liability out of pocket. File the bond with your county clerk.
• Security deposit. Deposit $55,000 with the county comptroller or judge to prove financial responsibility.
• Self-insurance. Apply for self-insurance with the Texas Department of Transportation.

How to save on motorcycle insurance in Texas

Riding Texas roads doesn’t have to mean paying high premiums. Try these four ways to save:

• Balance location with mileage. Texas has a wide range of premiums based on rural, suburban or highly populated cities. Small towns or suburbs in the state tend to draw the best premiums, but that could come at the cost of a longer commute, which could raise premiums.
• Take a safety course. Since the state ranks high for bike fatalities, a safety course could reassure your insurer enough to offer a discount.
• Go slow and steady. Despite the Texan tendency toward backroads and top speed limits, stay on guard with steady pacing and defensive riding. This could help you avoid claims.
• Opt for liability-only coverage. The state already has high liability standards for bikes, which should cover you for numerous accidents. But consider whether you really need comprehensive, collision or medical payments to round out your coverage.

Bottom line

Riding in Texas could mean a high premium because of its robust insurance requirements and high bike fatalities. But you can consider all your provider options to make sure you’re getting the best deal.

Frequently asked questions about Texas motorcycle insurance

• What are the penalties for riding without motorcycle insurance in Texas?

  Getting caught without motorcycle insurance can mean a license suspension, getting your bike impounded and steep fines.

• How do I get SR-22 motorcycle coverage in Texas?

  To get SR-22 coverage in Texas, you’ll need to follow three steps:

  • Get high-risk coverage. Confirm that your motorcycle provider offers SR-22 coverage or shop for a high-risk provider.
  • Pay your dues. Pay the applicable fees to your SR-22 insurance provider.
  • File your SR-22. Confirm that your insurer filed the SR-22 document with the state by calling your insurance company or waiting for a confirmation notice.