motorcycle accident - motorcycle insurance

Do I Need Motorcycle Insurance in Texas?

Aug 22, 2023 | Insurance, Motorcycle Accident

The article was Last Updated on

As a motorcyclist in Texas, it’s important to be aware of the state’s insurance requirements. You want to ensure proper coverage if you are in an accident. According to, Texas requires most motorcycle owners to have insurance. Here are the minimum coverage requirements for motorcycle insurance in Texas:

  • $30,000 to cover bodily injury or fatality of one person per accident
  • $25,000 to cover property damages per damages accident
  • $60,000 to cover bodily injuries or fatalities of two or more people per accident

These insurance requirements are in place to protect all parties involved in an accident and can help cover expenses like medical bills or property damage.

Only minimum coverage is required. However, consider additional coverage, as this may not be enough to cover all expenses in a serious accident. Medical bills can quickly surpass the $30,000 minimum coverage if you get into a serious accident. More extensive coverage options are available, including uninsured/underinsured motorist coverage and personal injury protection that can provide additional protection in the event of an accident.

If you’re caught riding without insurance in Texas, there are consequences. You could face steep fines and suspend your license.

What Types Of Vehicles Need Minimum Motorcycle Insurance Coverage?

As you may be aware, there are different types of motorcycles. The following are required by law to carry liability insurance:

  • Mopeds
  • Three-wheeled motorbikes
  • Motor-driven cycles
  • Scooters

If you drive a car or other motor vehicle on Texas highways and are at fault in an accident that causes injury or property damage, you must be able to pay for damages. Motorcycle insurance is essential if you own a motorcycle.

You could face severe consequences if you don’t have motorcycle accident insurance in Texas.

In Texas, motorcycle riders are legally required to carry financial responsibility for damages in any accident they cause. This usually means their insurance policy, but absent an insurance policy, the financial responsibility would be on the at-fault rider or driver.

If you’re in a motorcycle accident and don’t have insurance, the other driver can come after your personal assets to pay for damages. If you cause an accident without insurance, you could get a traffic citation, and the more damage you cause, the more serious the citation and penalties will be.

Should I buy Additional Motorcycle Insurance?

While having the minimum required motorcycle insurance in Texas is essential, it may not provide sufficient coverage in more serious accidents or for certain types of damages. To ensure complete protection and peace of mind, it is highly recommended to consider purchasing additional motorcycle insurance coverage.

Enhanced Liability Coverage

Texas’s minimum liability coverage requirements may not adequately protect you if you are found liable for a catastrophic accident. Additional liability coverage can provide you with greater financial protection by extending the limits beyond the minimums suggested by the state. This extra coverage can help safeguard your assets, ensuring that you do not incur significant personal financial losses in the event of a severe accident.

Uninsured/Underinsured Motorist Coverage

Unfortunately, not all motorcyclists on the road carry adequate insurance coverage. If you are injured in an accident where the at-fault party is uninsured or underinsured, your medical expenses and other damages may not be fully covered. By adding uninsured/underinsured motorist coverage to your policy, you can protect yourself against such situations and ensure that you receive the compensation you deserve.

Personal Injury Protection (PIP)

Personal Injury Protection coverage, also known as PIP. This can be invaluable in covering medical expenses, lost wages, and other related costs after a motorcycle accident. PIP coverage is not required in Texas. However, having it as part of your additional insurance can provide crucial financial support for your recovery, regardless of who is at fault for the accident. PIP can help cover various expenses, including medical treatments, rehabilitation, disability, and even funeral costs.

Coverage for Customizations and Accessories

If you have made modifications or added aftermarket accessories to your motorcycle, the minimum insurance coverage may not provide adequate protection for these valuable additions. Additional coverage for customizations and accessories will ensure that the full value of your bike. The enhancements you have made are covered in the event of damage or theft.

Enhanced Comprehensive and Collision Coverage

Comprehensive and collision coverage protects your motorcycle against theft, damages caused by weather events, vandalism, and accidents. While these coverages are not legally required, they can be incredibly valuable. They help in repairing or replacing your motorcycle. By opting for additional comprehensive and collision coverage, you can have greater peace of mind while riding.

While Texas mandates minimum liability coverage for motorcycles, it is often prudent to go beyond these requirements. It is wise to invest in additional motorcycle insurance coverage. By adding these options to your policy, you can ensure that you have comprehensive coverage that adequately protects your financial well-being in case of any unfortunate accidents or incidents on the road.

What Are The Requirements To Drive A Motorcycle In Texas?

In Texas, motorcycle riders must hold a valid Class M license. To obtain this license, you must have a regular Class A license and complete a DPS-approved motorcycle safety course.

If you move to Texas from another state and have a motorcycle license in that state, you can transfer your license without taking the Texas motorcycle safety course.

Consult an Experienced Personal Injury Attorney

If you’ve been in an accident while on a motorcycle, it’s crucial to speak with an experienced personal injury attorney like Walker Texas Lawyer. A skilled attorney can review your case and determine whether you’re entitled to compensation. They will help you navigate the legal process, and fight for your rights. They can help ensure you receive the compensation you deserve and protection for your rights.

Houston’s Motorcycle Accident Attorney

In Texas, motorcycle insurance is required for most motorcycle owners. The insurance minimums include $30,000 in bodily injury liability coverage per person, $60,000 per accident, and $25,000 in property damage liability coverage. Furthermore, it is important to consider additional coverage options. You want to have financial protection in the event of an accident. If you’re involved in an accident while on a motorcycle, contact experienced Houston personal injury attorney, Walker Texas Lawyer. He can provide you with comprehensive legal guidance. Additionally, he will protect your rights and help you receive compensation for your injuries and damages.


For more information, contact Houston’s accident law firm of Walker Texas Lawyer by calling (713) 552-1117.

Walker Texas Lawyer
3100 Timmons Ln Suite #401
Houston, TX 77027

Walker Texas Lawyer – Pasadena
4008 Vista Rd Suite #202B
Pasadena, TX 77504


(713) 552-1117


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About Walker Texas Lawyer

James Walker - Walker Texas Lawyer James Walker is a Personal Injury Attorney in Houston, Texas. He has over 40 years of legal experience and has helped over 25,000 clients. This means he has demonstrated his extensive knowledge of legal procedures. He knows how to handle insurance companies. If insurance companies refuse to give you a fair shake, they will take the insurance companies to court. He knows the law inside and out. He knows what he’s doing.

Walker will try to settle your case without going to court. But if that doesn’t work, he is ready and prepared to take your case before a judge. He is Houston’s Personal Injury Lawyer for a reason; he will fight for you, seek the maximum compensation on your behalf, and make sure you get what you deserve after an accident.