In Texas, most motorcycle insurance projects cost between $100 and $1,000 per year, with a typical price near $400. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical motorcycle insurance cost
$100 – $1,000
per year · typical $400
A general planning range, not a quotation.
Motorcycle insurance cost breakdown
- Older cruiser (liability only)$100 – $250typical $150
- Standard bike (full coverage)$300 – $600typical $450
- Sport bike (full coverage)$600 – $1,500typical $1,000
At a glance
- Typical range$100 – $1,000
- Unitper year
- Cities covered91
What Motorcycle Insurance costs
Covers liability, collision, and comprehensive coverage for your bike. Premiums depend on bike type, engine size, your riding history, and location. Sport bikes and young riders cost more; discounts for safety courses and anti-theft devices.
By city in Texas
- Abilene
- Allen
- Amarillo
- Arlington
- Atascocita
- Austin
- Baytown
- Beaumont
- Bedford
- Brownsville
- Bryan
- Burleson
- Carrollton
- Cedar Hill
- Cedar Park
- Channelview
- College Station
- Conroe
- Coppell
- Corpus Christi
- Dallas
- DeSoto
- Denton
- Duncanville
- Edinburg
- El Paso
- Euless
- Farmers Branch
- Flower Mound
- Fort Worth
- Friendswood
- Frisco
- Galveston
- Garland
- Georgetown
- Grand Prairie
- Grapevine
- Haltom City
- Harlingen
- Houston
- Hurst
- Irving
- Keller
- Killeen
- Kyle
- Lake Jackson
- Laredo
- League City
- Leander
- Lewisville
- Little Elm
- Longview
- Lubbock
- McAllen
- McKinney
- Mesquite
- Midland
- Mission
- Mission Bend
- Missouri City
- New Braunfels
- North Richland Hills
- Odessa
- Pasadena
- Pearland
- Pflugerville
- Pharr
- Plano
- Port Arthur
- Richardson
- Rockwall
- Rosenberg
- Round Rock
- Rowlett
- San Angelo
- San Antonio
- Schertz
- Sherman
- Spring
- Sugar Land
- Temple
- Texarkana
- Texas City
- The Colony
- The Woodlands
- Tyler
- Waco
- Waxahachie
- Weslaco
- Wichita Falls
- Wylie
Frequently asked questions
What affects motorcycle insurance cost?
Bike make/model, engine size, your age and driving record, and where you park it. Sport bikes cost more to insure due to higher risk.
Is motorcycle insurance required?
Most states require liability insurance. Comprehensive and collision are optional but recommended, especially if you have a loan or lease.
How can I get cheap insurance?
Take a motorcycle safety course, bundle with auto insurance, increase deductibles, and ask about discounts for anti-lock brakes or installed alarms.