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TEXAS MOTORCYCLE INSURANCE


Hitting the open road from the Permian Basin to the Fort Worth Stockyards means embracing freedom — and responsibility.

Our Texas motorcycle insurance coverage is designed to handle everything from scorching summer heat to sudden storms, and it protects all makes and models—your sport bike, cruiser, or custom chopper is welcome here.

Get the protection your motorcycle needs—start your personalized quote today and hit the road with confidence.

WHAT ARE THE MINIMUM MOTORCYCLE INSURANCE REQUIREMENTS IN TEXAS?

In the Lone Star State, the freedom of the open road comes with the responsibility to protect yourself and fellow riders. Under Texas law, every motorcyclist must demonstrate financial responsibility by carrying a minimum amount of liability insurance.

Mandatory Motorcycle Coverage:

  • Bodily injury liability: $30,000 per person / $60,000 per accident

  • Property damage liability: $25,000 per accident

Proof of Insurance:

If you prefer not to purchase a liability insurance policy, Texas law allows these alternative methods to meet the state’s minimum financial responsibility requirements:

  • Surety Bond: File a surety bond with a Texas county clerk.

  • Cash Deposit: Deposit $55,000 with the county judge or comptroller.

  • Self-Insurance Certificate: Obtain a certificate directly from the Texas Department of Transportation.

Additional Considerations:

At Harley-Davidson® Insurance, we go the extra mile, offering not only the state-mandated minimums but also optional coverages like uninsured/underinsured motorist protection, collision, and comprehensive insurance coverage to safeguard your bike and your wallet. We insure most makes and models, ensuring that your ride is backed by the power and heritage of Harley-Davidson.

RIDE SMART, SAVE MORE: MOTORCYCLE INSURANCE DISCOUNTS IN TEXAS

Available Motorcycle Insurance Discounts for Texas Riders:

Every motorcycle insurance discount is designed with Texas riding in mind, from the wide-open plains of West Texas to the backroads of the Piney Woods.

Best of all, these savings apply to all makes and models, not just Harleys.

  • H.O.G.® Member Discount

  • H-D™ Riding Academy Graduate Discount

  • Military and Law Enforcement Discount

  • Multi-Bike Discount

  • Home Ownership Discount

  • Prompt Payer Discount

  • Claim-Free Renewal

  • Loyalty and Claim-Free Discounts

  • Anti-Theft Device Discount

GET A TEXAS MOTORCYCLE INSURANCE QUOTE

Ride with the confidence that comes from America’s most trusted name in motorcycle insurance. Get personalized guidance on liability coverage minimums, optional coverages like roadside assistance and uninsured/underinsured motorist protection, and discover discounts for safety courses, multi-bike households, and seasoned road warriors.

Don’t wait for the next ride to find out you’re underinsured. Protect your passion, your freedom, and every mile of Texas asphalt.

Protect your ride—get a personalized Texas motorcycle insurance quote now.