Texas Motorcycle Insurance Requirements & Laws in Texas

Motorcyclists in Texas face the same insurance laws as other drivers on the road. If you operate a motorcycle anywhere in the Lone Star State, you’re legally required to carry insurance coverage that proves financial responsibility. At Anderson, Cummings & Drawhorn, we’ve helped injured riders navigate the aftermath of serious motor vehicle accidents, and we know how crucial proper coverage is for protecting your health, your finances, and your legal rights. Texas motorcycle insurance requirements aren’t just a legal formality—they’re a lifeline after a crash.

Who Needs Motorcycle Insurance in Texas?

Every person who registers, owns, or operates a motorcycle on public roads in Texas must carry insurance. This requirement applies to a wide range of vehicles, including:

• Standard motorcycles
• Mopeds
• Scooters that exceed engine limitations

Whether you’re a daily commuter or a weekend enthusiast, the law makes it clear—liability insurance is not optional. Proof of coverage is required not just to ride, but also to register your motorcycle or renew your license plate. Without it, you could face fines, penalties, or even denial of vehicle registration. Riding legally starts with making sure you’re properly insured.

What Is the Minimum Liability Coverage You Must Carry?

Under Texas law, riders must demonstrate financial responsibility by maintaining liability insurance with the following minimum limits:

• $30,000 for bodily injury per person
• $60,000 for total bodily injury per accident
• $25,000 for property damage per accident

These limits align with the requirements for all Texas motorists. According to the Texas Department of Insurance, these minimums are in place to ensure drivers can pay for damages they may cause in a crash. Having at least this level of coverage is essential not only to comply with state law but also to avoid financial ruin if you’re found at fault in a collision. Without it, you may be held personally liable for the other party’s medical bills and property repairs. Keep in mind that these are just minimums—many riders choose higher limits for added protection, especially when considering the high cost of medical care and motorcycle repairs today.

What does liability insurance actually cover?

Liability insurance pays for injuries and property damage to others if you’re at fault in an accident. It’s designed to protect other people on the road, not you or your motorcycle. If you’re injured in a crash or your bike is damaged, this type of coverage won’t help you recover those losses. That’s why many riders consider adding optional policies. Collision insurance covers damage to your bike regardless of fault. 

Comprehensive protection helps if your motorcycle is stolen, vandalized, or affected by weather events. Medical payments or personal injury protection (PIP) can also assist with your own medical expenses. Without these add-ons, you may face major out-of-pocket costs after an accident. Liability insurance fulfills the legal requirement, but it’s only one piece of a complete risk management strategy for motorcyclists. Choosing broader coverage helps you ride with greater peace of mind.

What Insurance Policies Are Convenient?

Although liability coverage is required, most riders opt for additional protection:

• Collision coverage pays for damage to your bike regardless of fault, whether you slide on wet pavement or get hit at a stoplight. It ensures repairs or replacement are covered quickly.
• Comprehensive coverage protects against theft, vandalism, falling objects, and weather events like hailstorms or flooding. It’s especially important if your motorcycle is stored outside or in high-risk areas.
• Uninsured/Underinsured Motorist (UM/UIM) covers your financial losses if the other driver is at fault but lacks sufficient insurance. It also applies to hit-and-run incidents. You must reject this in writing if you don’t want it.
• Medical Payments (MedPay) or Personal Injury Protection (PIP) offers coverage for medical bills after a crash, regardless of fault. These policies help pay for hospital visits, physical therapy, or other healthcare needs resulting from the accident.

If you’re financing your motorcycle, your lender will almost always require both collision and comprehensive coverage.

What Happens If You’re Pulled Over Uninsured?

If you’re caught riding without valid motorcycle insurance, the penalties can be severe and far-reaching. As detailed in the Texas Transportation Code:

• Fines range from $175 to $350 for a first offense, but additional court fees can push the total even higher.
• Subsequent violations can lead to steeper fines up to $1,000, suspension of your driver’s license, and even the impoundment of your motorcycle.
• Reinstatement fees must be paid, and you’ll likely be required to file an SR-22 certificate, a form that proves financial responsibility and often results in higher insurance premiums.

Texas does not take uninsured riding lightly. Riding without proof of insurance isn’t just a traffic violation—it’s a legal and financial risk that can impact your ability to register a vehicle or renew your license. Being properly insured protects your future on and off the road.

Understanding SR‑22 Insurance for Motorcyclists

An SR-22 is not an insurance policy itself, but rather a certificate of financial responsibility filed with the Texas Department of Public Safety by your insurer. It serves as proof that you carry the state-required minimum liability coverage. You may be required to obtain an SR-22 if:

• You were caught riding uninsured
• You were involved in an accident without coverage
• Your license was suspended due to serious traffic violations, such as DUI or multiple offenses

SR-22 requirements typically remain in effect for two years, during which time your insurance premiums are likely to be significantly higher. In addition, missing a payment or canceling your policy during this period can lead to license suspension or restart the compliance timeline. Not all insurance companies offer SR-22 filings, so you may need to search for specialized providers. Maintaining continuous coverage is essential to avoid extended penalties or additional fees.

Texas Motorcycle Helmet & Safety Course Laws

Wearing a helmet can affect both your safety and your insurance rates, and it’s an area where Texas law is very specific. 

• Riders under 21 must wear a helmet—no exceptions. This law is strictly enforced to protect younger, less experienced riders.
• Riders 21 and older may ride without a helmet only if they’ve completed a Texas DPS-approved motorcycle safety course and can provide proof of active health insurance coverage.

Not wearing a helmet may not be illegal for older riders, but it can significantly impact your injury claim or insurance payout if you’re involved in a crash. Insurance companies may view helmet use as a factor in determining negligence or payout amounts. Additionally, the Texas Department of Public Safety recommends that all riders complete the Basic Rider Course (BRC)—not only for safety and legal compliance but because it can also result in discounts on your motorcycle insurance premiums.

Passenger Rules & Lane-Splitting Guidelines

If you’re carrying a passenger or riding in traffic, there are legal boundaries every motorcyclist in Texas must respect to ensure safety and legal compliance:

• Passengers must ride on motorcycles designed for two-up riding, which means the bike must be equipped with a proper seat, footrests, and handholds. Riding with someone on a bike not designed for it is unsafe and illegal.
• Riders under 5 years old are not allowed as passengers, regardless of the motorcycle’s configuration. This rule is in place to protect young children from serious harm in the event of an accident.
• Lane-splitting—riding between lanes of traffic—is illegal in Texas, even though it’s legal in some other states. Attempting to weave through traffic may lead to fines and increase your risk of being struck by a vehicle changing lanes.

Breaking these rules could result in citations, legal penalties, or increased liability if an accident occurs while in violation of state law.

Texas Motorcycle Insurance Q&A

Can I ride without insurance if I pay a cash deposit?

Yes, but it’s uncommon. Texas law allows riders to post a cash or surety bond of $55,000 with the state as an alternative to maintaining standard motorcycle insurance. This bond acts as proof of financial responsibility, ensuring that adequate funds are available in case of an accident involving injury or property damage. While it satisfies state requirements, the process is complex and requires a significant upfront investment. Because of these barriers, most riders find traditional liability coverage to be more practical, affordable, and efficient.

Does my helmet/age affect insurance costs?

Yes. Riders under 25 or those who don’t wear helmets may face higher premiums. Many insurers offer discounts for completing safety courses, maintaining clean driving records, or bundling policies.

Choose Anderson, Cummings & Drawhorn for Your Case

After a motorcycle crash, the last thing you want to worry about is whether your insurance is enough to cover your losses. At Anderson, Cummings & Drawhorn, we’ve helped riders throughout Texas recover after motor vehicle accidents caused by negligent drivers, poor road conditions, or faulty equipment. Whether you’re fighting an insurance denial or looking to file a claim, our experienced team is ready to stand up for your rights.

If you or a loved one has been injured in a motorcycle accident, contact us at 817-920-9000. We offer free consultations and never charge a fee unless we win your case.