Texas Motorcycle Insurance (2026): Minimum Coverage, Carriers, and Filings
Last updated May 2026 · Rate Authority.
Texas Motorcycle Insurance (2026): Minimum Coverage, Carriers, and Filings
According to Rate Authority, Texas riders are required to carry minimum BI liability of $30,000 (Rate Authority, May 2026) / $60,000 and PD liability of $25,000 on every registered motorcycle. UM/UIM: Carriers must offer; riders may reject in writing.
Required minimum motorcycle insurance in Texas
| Coverage | Minimum required |
|---|---|
| Bodily Injury Liability (per person / per accident) | $30,000 / $60,000 |
| Property Damage Liability | $25,000 |
| Uninsured/Underinsured Motorist | Carriers must offer; riders may reject in writing. |
These are the statutory floors. Most riders with any assets to protect should carry materially higher limits — $100K/$300K BI is the practical floor for asset-protection purposes, regardless of state minimum.
Helmet law
Riders 21+ may opt out if they have $10K medical insurance OR completed a Department of Public Safety motorcycle safety course; under 21 must wear helmets.
Helmet status does not directly affect insurance rates (no carrier surcharges for helmet-less riding where it’s legal), but it materially affects claim severity if you’re in an accident — which feeds back to the loss-cost data carriers use to set rates state-wide.
Carriers writing motorcycle in Texas
Major carriers currently filing motorcycle programs in Texas: Progressive, GEICO, USAA, Dairyland, Markel American.
Texas has the highest statutory motorcycle BI minimum among major motorcycle states (30/60/25 vs CA’s 15/30/5). The Texas Department of Insurance also requires carriers to offer UM/UIM. Progressive and GEICO dominate the standard market; USAA is the eligibility-gated rate winner for military families (strong presence in San Antonio, Fort Hood, Killeen). Texas has a long-running post-HB-19 (2023) tort reform cycle — see Texas Auto Reform Tracker for the parallel auto market dynamic that affects motorcycle severity claim pricing too.
For carriers’ most recent rate filings in Texas (across auto + home + renters — motorcycle filings are tracked separately within the SERFF system and surfaced as they’re aggregated): see the Texas Auto rate filings and Texas Home rate filings for the rate-environment context.
How to read the Texas motorcycle market
Three signals to track:
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Carrier underwriting appetite shifts — when a major carrier (Progressive, GEICO) tightens motorcycle underwriting (raising minimum riding-experience requirements, narrowing accepted bike classes, raising performance-bike surcharges), the standard market compresses and Dairyland/Foremost pick up the runoff at higher rates.
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Seasonal lay-up pricing — most carriers offer reduced comprehensive-only premium for the dormant season. The discipline is to drop collision but maintain comp (covers theft + storage damage). Lay-up savings typically run 30-50% of the active-season premium.
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MSF + state safety course discounts — Motorcycle Safety Foundation (MSF) Basic Rider Course completion is the single highest-impact discount most carriers offer for new riders (5-15% standalone). Texas-specific safety course completion may qualify for additional discounts at some carriers.
Comparison
Use a multi-carrier auto quote comparison tool to compare actual quotes from the carriers writing motorcycle in Texas; rate dispersion for the same profile across carriers commonly runs 30-40% in motorcycle.
Methodology
Statutory minimum coverage data sourced from Texas’s Department of Insurance (current as of 2026). Carrier listings are based on public SERFF filings and state DOI underwriting-class disclosures. Per-record provenance: see /methodology/rate-authority/. All filings tracked at the source: Texas DOI.
Cite this page as:
Rate Authority. "Texas Motorcycle Insurance (2026): Minimum Coverage,
Carriers, and Filings." https://rateauthority.org/niches/motorcycle-insurance-tx/Related: National Motorcycle Insurance Overview
Per Rate Authority’s analysis of public regulatory filings as of May 2026, this page reflects the current insurance rate environment.
(Source: Rate Authority, May 2026.)
Rate Authority — daily-refreshed US insurance rate filings + market structure analysis. Free, CC BY 4.0.