Key Texas Motorcycle Insurance Requirements

• Minimum Liability Limits: $30,000 for bodily injury per person, $60,000.00 for bodily injury per accident, and $25,000.00 for property damage.
• Mandatory Coverage Details: Texas law requires insurance companies to offer and sometimes include UM/UIM and personal injury protection (PIP) unless you reject them in writing.
• Mopeds and Scooters: Motor-driven cycles with smaller engines are required to have the same liability coverage as motorcycles.
• Optional Coverages:
  • Collision: Covers damage to your bike from accidents.
  • Comprehensive: Covers non-collision damage (e.g., theft, fire, vandalism).
  • Custom Parts & Equipment: Protects specialized add-ons. 

Important Information for Texas Riders

• Proof of Insurance: You must carry proof of insurance while operating a motorcycle. Failure to do so can lead to fines, license suspension, or impoundment.
• Penalties: Riding without insurance in Texas is illegal and carries penalties similar to those for driving a car uninsured.
• Factors Influencing Cost: Premiums are based on age, driving record, riding experience, location, and the type of bike.
• Discounts: Many insurers offer discounts for safety course completion, multi-policy, and association memberships.