Texas Motorcycle Insurance

Affordable Motorcycle Insurance for Freedom-loving Texans 

Howdy Texas! Step up to get a big helping of rider-focused insurance for on-road and off-road motorcycles, ATV / UTVs and other powersport vehicles. Get a motorcycle insurance quote online, or cruise this page to learn about motorcycle insurance in the Lone Star State. 

Boundless Rider Insurance in Texas.

Freedom to Choose

Boundless Rider has rolled out rider-focused insurance in Texas for on and off-road motorcycles and powersport vehicles. By choosing Boundless Rider for insurance, not only will Texas riders get affordable coverage, they’ll have access to innovative rider perks and resources. Enjoy low rates, insurance discounts and many optional coverages to choose from for better protection, including comp and collision, and higher limits.

We got you covered.

Mandatory Insurance in Texas

Motorcycle Insurance Requirements

In Texas, you are required to have liability insurance before registering and operating a motorcycle or off-road vehicle on public roads or public land. Mandatory coverages include bodily injury liability, guest passenger liability and property damage liability. 

Texas-required minimum limits of liability coverage for bodily injury (BI) are $30,000 per person, $60,000 per accident, and $25,000 property damage (PD) coverage per accident.

Optional Coverages: Higher Limits, UM, PIP & Medical Payments

Texas Limits of Liability Options for Bodily Injury and Guest Passenger Liability (Per Person / Per Accident)

  • 30,000 / 60,000 (mandatory minimum limits)
  • 50,000 / 100,000
  • 100,000 / 300,000
  • Call for Higher Limits

Limits of Liability Options for Property Damage

  • 25,000 (mandatory minimum limit)
  • 50,000
  • Call for Higher Limits

Uninsured / Underinsured Motorist Coverage (UM) (optional)

  • Uninsured / Underinsured Motorist Bodily Injury (same limits as BI)
  • Uninsured / Underinsured Motorist Property Damage (same limits as PD)

Medical Payments Coverage (optional)

  • $500
  • $1,000
  • $2,000
  • $5,000
  • $10,000

Personal Injury Protection (optional)

  • $2,500

Optional Coverages: Comprehensive & Collision

Although not required, in order to protect your vehicle from physical damage, regardless of fault, these coverages should be considered. 

Optional Insured Motorcycle and Powersport Vehicle Coverage

  • Comprehensive (ACV up to $60k)
  • Collision (ACV up to $60k)

Deductible Options (Comp & Collision only)

  • $100
  • $250
  • $500
  • $1000

Optional Coverage Enhancements (Comp & Collision only)

  • Helmet & Safety Apparel (included), $2k limit
  • Physical Damage Plus (OEM parts coverage)
  • Replacement Cost Coverage

Optional Equipment Coverage (Comp & Collision only)

  • $5000 included on motorcycles, dual-sport bikes & e-bikes
  • $1000 included on off-road vehicles (including dirt bike, ATV, UTV, snowmobile)
  • Option limits up to $20K

Additional Optional Coverages

There are so many ways you can customize your coverage to suit your individual needs. 

Optional Motorcycle Insurance Coverage Enhancements & Endorsements

  • Transport Trailer Physical Damage
  • Enhanced Permissive Use (off-road vehicles only)
  • Trip Interruption
  • Roadside Assistance
  • Submersion (off-road vehicles only)
  • Rental Reimbursement
  • Diminishing Deductible
  • Agreed Value
  • Special Processional Coverage
  • Mexico Limited Coverage

Get Ready to Roll

Ride Boundless … Through the Heart of Texas!

Get a worry-free motorcycle insurance quote to discover a new level of freedom and protection with Boundless Rider. Whether you ride through Austin, Dallas / Fort Worth, Houston, San Antonio or across the Great Plains, we’ve got you covered. 

Not a Texas resident? No worries. Chances are we’ll be heading to your state soon. Join our waitlist to be notified when we roll into your state. 

Content on this page is intended as advertising statements and is not an offer or promise of insurance coverage. This content should not be relied on when determining actual terms, conditions and exclusions applicable to a specific insurance policy. Limits and restrictions may apply. Always check with your agent about specific policy coverages, as well as applicable website(s) for state insurance coverage requirements.