Motorcycle Insurance Texas

Providing Texans with affordable motorcycle insurance options since 1978

Looking for affordable motorcycle insurance? You’ve come to the right place. Texas State Low Cost has been offering motorcycle insurance to Texans since 1978. We have affordable plans, a variety of coverage options to match your specific needs, and an exceptional staff available Monday through Saturday to help you with all your insurance questions. Whether you have an excellent or poor driving record, agents at Texas State Low Cost can help find the right plan for you.

Things to consider when purchasing motorcycle insurance in Texas

In Texas, motorcyclists are required to have minimum amounts of liability insurance. You must have a policy that includes liability coverage in at least the following amounts:

  • $60,000 bodily injury coverage total per accident
  • $25,000 property damage coverage per accident
  • $30,000 bodily injury coverage for each injured person in an accident

These are only minimums, however; many accidents incur damage above these amounts. To fully protect yourself, we recommend obtaining liability insurance as well as comprehensive collision and uninsured motorist coverage.

How often do you ride?

Do you use your motorcycle daily or only occasionally? Some motorcyclists use their bike only during certain times of the year. If this is the case for you, we recommend you purchase seasonal coverage, and register your bike as non-operational during the parts of the year you do not use it.

How can I minimize my costs?

Keep these things in mind if you want to pay even less for motorcycle insurance:

  • Perform regular maintenance on your bike
  • Practice safe riding habits, and consider taking a motorcycle safety course
  • Avoid riding when you’re ill or angry
  • Do not ride when you’ve consumed alcohol

Regardless of your circumstances, Texas State Low Cost Insurance can help you obtain a great plan at a great price. We make purchasing insurance fast and easy. Call our agents at 800-334-3943 or visit one of your local Texas State Low Cost offices today!


Policies and pricing may vary and customers must refer to their own declarations page and carrier guidelines for specific information about their policies. These pages do not in any way guarantee or constitute eligibility for coverage.