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Comprehensive Local Motorcycle Insurance Guide

Texas Motorcycle Insurance

Motorcycle Registrations in TX

^ There are 448,399 registered motorcycles in Texas, the 3rd highest number in the nation. [1]

Motorcycle Insurance in TX by City

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Motorcycle Insurance Providers in Texas

TX Motorcycle Insurance

TX Motorcycle Insurance in Texas

Motorcycle Insurance Coverage Requirements in Texas


  • Minimum Liability Limits in TX: 30/60/25 [2]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident

  • Insurer Verification of Insurance in TX [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Texas Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Texas

Mandatory motorcycle insurance coverage for riders in the state of Texas.

  • Motorcycle Insurance Requirements in TX [2]
    • Bodily injury liability coverage
    • Property damage liability coverage

Motorcycle Helmet Laws in Texas

    • Motorcycle helmets required for 20 and younger. [3]

Motorcycle Insurance Laws & Regulations in Texas

Motorcycle License Regulations in Texas [4]

Detailed information about Texas laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Texas
  • Motorcycle License Laws in TX
    • A Class M driver's license authorizes the holder to operate a motorcycle or moped.
    • An applicant required to take a motorcycle road test must provide a passenger vehicle and licensed driver to convey the license examiner during the road test. Operation of a three-wheeled motorcycle requires completion of a training course and a restricted Class M license.

Motorcycle Equipment Laws in Texas [4]

Various regulations and laws in Texas regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in TX
    • The operator and any passenger on a motorcycle or moped are required to wear an approved helmet. However, a person is exempt from wearing a helmet if the person is at least 21 years old, and has successfully completed a motorcycle operator and training safety course or is covered by at least $10,000 in medical benefits for injuries incurred as a result of an accident while operating or riding on a motorcycle.
    • Eye protection is not required for riders in Texas.
    • An operator may not carry another person on the motorcycle, and a person who is not operating the motorcycle may not ride on the motorcycle, unless the motorcycle is designed to carry more than one person and equipped with footrests and handholds for use by the passenger.
    • A motorcycle, including a motor-driven cycle, must be equipped with not more than 2 headlamps, at least 1 tail lamp, a separate rear license plate lamp, at least 1 stop lamp, and at least 1 rear red reflector.
    • A motorcycle may not be operated at any time unless at least 1 headlamp is illuminated.

Rider & Driver Facts in Texas

Rider & Driver Facts in Texas

Texas Motorcycle Registrations

  • Registered Riders in TX [1]
    • In 2012, Texas totaled 448,399 motorcycles registrations.
    • This number ranks 3rd in the United States by state (including Washington, D.C.).
    • Note: TX ranked 2nd in the nation in total auto registrations (all vehicle types) in 2011.

Texas Highway Facts

  • Speed Limits in TX [3]
    • Rural interstates: 75 mph (80 mph or 85 mph on specified segments of road)
    • Urban interstates: 75 mph
    • Other roads: 75 mph
  • Consumption of Motor Fuel in TX [5]
    • Texas ranked 2nd in the U.S. in 2011 in total motor fuel consumption.

Texas Accident Reporting Regulations

  • Accident Reporting in TX [4]
    • Crashes are required to be immediately reported in case of death or injury.
    • Crashes resulting in death, injury, or property damage in excess of $1000 are required to be reported in writing within 10 days.

Texas Demographics

Age Breakdown in Texas

Approximately 70% residents in TX are 20 and older, while 23% are between ages 5 and 19, and 6% are under the age of 5. [6]


Household Income: Texas vs. U.S.

The median household income in the state of Texas is $57,144, which is about 2 percent less than the median income for the United States overall of $58,283. [6]


Income Breakdown in Texas

About 18% of households in TX have incomes below the poverty level. Below is the complete income breakdown for the state. [6]


Additional information about Texas

About Texas

Texas as a whole has an approximate population of 25,145,561, which ranks 2nd in the nation. [6]

TX Motorcycle Insurance

TX Motorcycle Insurance

To learn more about Motorcycle Insurance in Texas, or for additional resources related to Texas Motorcycle Insurance, visit the Texas Department of Insurance.

Did you know?

Currently, 19 states and the District of Columbia have laws requiring all motorcyclists to wear a helmet.

Texas Cities

References

1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Texas DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)