texas motorcycle insurance

The vast area of Texas includes rolling plains, piney forests, and even 624 miles of shoreline highway along the Gulf of Mexico — all perfect for motorcycle rides. Whether you prefer cruising along the twisties in North Dallas or taking your sport bike through the turns of FM 279, we're right beside you (not literally, even though that sidecar is tempting!).

Get a free online quote from Esurance and find out how affordable Texas motorcycle insurance rates can really be. With our simple policy management, Lone Star State residents are in for a smooth ride.

what our customers say


My last insurance company was so complicated. I love how easy and accessible Esurance is. I can print what I need when I need it, and the customer service is the best I've ever experienced.

— Paul, Florida


I filed a claim online and was called within 30 minutes. My rep was very helpful and informative — but most of all she was human. It made an odd situation easy to work through.

— Jordan, Massachusetts


You guys get it and you rock! I love dealing with efficient companies without all of the red tape and corporate stuffiness! Thank you Esurance for being awesome and providing a good service.

— Kristoffer, South Carolina

esurance motorcycle insurance discounts in texas

Riders in Texas could qualify for the following savings:

Homeowners discount

Save up to 22 percent on your motorcycle insurance just for being a homeowner. (That was easy!)

Switch & Save® discount

Nab savings just for switching from another insurance company to Esurance within the past month.

Safety Course discount

You qualify if you've completed a driver safety course (approved by your state) within the past 36 months.

Paid-in-Full discount

When you pay your premium all at once instead of in monthly intervals, you could score this easy discount.

Other discounts

The savings opportunities don't stop there. Riders in Texas could also stand to benefit from:

  • Motorcycle Endorsement discount
  • Recovery Device discount
  • Antilock Brakes discount
  • Multi-Policy discount
  • Responsible Driver discount

our multi-vehicle discount

One of our coolest motorcycle insurance perks is our Multi-Vehicle discount. You can save 15 to 35 percent on your premium just for covering more than one vehicle with Esurance.

Here are some of the other toys you can include on your policy when you get a Texas motorcycle insurance quote:

  • Scooters
  • Mopeds
  • ATVs and UTVs
  • Golf carts
  • Segways
  • Dirt and off-road bikes
  • Cruisers
  • Limited production cruisers
  • Enduros/dual-sport bikes
  • Trikes
  • Sport bikes
  • Touring bikes
  • Sport touring bikes

Riding mishaps come up, but your rates don't have to

Accidents happen. At Esurance, we don't want our Texas policyholders to fret every little mistake, which is why we won't increase your premium if you have a claim under $500.

required texas motorcycle coverages

Texans are required to carry liability insurance. If you're ever at fault in an accident, liability insurance helps cover others' medical bills and damage to their property. You're required to carry at least the following:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $25,000 of property damage liability per incident

Of course, you can always opt for higher coverage limits or additional coverages.

optional motorcycle insurance coverages

Esurance motorcycle insurance offers a lot more than just basic liability. Riders can choose from a wide array of additional coverages for their Texas motorcycle policy.

Comprehensive coverage

Other vehicles aren't the only risks out on the open road. Comprehensive coverage protects you from things like theft, vandalism, glass damage, and more.

Towing and labor

We'll cover up to $100 if you need a tow to the nearest qualified repair facility, and we can even help with labor costs associated with:

  • A dead battery
  • Low fluid, including fuel
  • A flat tire
  • Lost keys
  • A broken down bike (within 100 feet of a roadway)

Collision coverage

Collision coverage helps repair or replace your bike if you cause an accident. It will also cover riding leathers and other apparel, including up to $500 per helmet.

Medical payments coverage

If you're involved in a crash, regardless of who caused it, medical payments coverage can help cover riding injuries within the first 3 years after the accident. It's especially important if you don't have adequate (or any) health insurance.

Trip interruption coverage

If you get into an accident or your bike breaks down on a long road trip, we'll cover:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

That's per day until your bike gets fixed (up to $500 per incident).

Uninsured/underinsured motorist coverage

Believe it or not, roughly 13 percent of Texas motorists drive without insurance. Uninsured/underinsured motorist coverage helps pay for medical bills, property damage, and even lost wages if you're hit by a driver who doesn't carry liability insurance (or enough liability insurance to cover your damages).

simple policy management

Esurance motorcycle insurance in Texas comes with a one-year policy term. You can easily manage your policy (and any Esurance policy) online or with one of our customer service reps. Plus you'll find convenient payments options:

  • All up front (you could save up to 13 percent with the Paid-in-Full discount)
  • 2 installments
  • 4 installments
  • Monthly

Related links

How to stay safe on your motorcycle
Here are some quick tips to help keep you safe on the open road.

Motorcycle theft: because it's easier than stealing a car
Learn more about motorcycle theft statistics and how to protect your ride.

Yep, you need a motorcycle license
Here's your guide to motorcycle training and licensing to help keep you legal.

Get a motorcycle insurance quote and see how much you can save.

Or call 1-866-455-1980.