Motorcycle Insurance in Dallas, TX

Affordable Coverage for Every Rider, Every Bike - Across Dallas and All of Texas

Whether you ride a Harley through the streets of Deep Ellum, a sport bike on the highways of North Dallas, a cruiser along the LBJ Freeway, or a scooter to work in Uptown - your motorcycle deserves real protection. In Texas, where traffic is dense, summer heat is unforgiving, and uninsured drivers are common, having the right motorcycle insurance is not just a legal requirement. It is your financial safety net every time you ride.

Thumann Insurance Agency has been protecting Dallas riders since 1996. As an independent broker with access to 80+ top-rated carriers, we shop motorcycle insurance across the market to find you competitive rates, the right coverage for your specific bike, and discounts you may not know you qualify for. One company is not always the best fit for every rider - and that is exactly why we compare them all for you.

También servimos a la comunidad hispana de Dallas. Si necesita un seguro de motocicleta en Dallas, nuestros agentes hablan español y pueden ayudarle a encontrar la cobertura que necesita.

Get a motorcycle insurance quote today - call (972) 991-9100 or request a quote online.

Texas Motorcycle Insurance Requirements - What Dallas Riders Must Carry

Texas law requires all motorcycle riders to carry minimum liability insurance before operating on public roads. Riding without insurance in Texas is illegal and can result in fines, license suspension, and vehicle impoundment. Before your bike leaves the driveway, you need to meet the state’s minimum requirements.

Texas motorcycle insurance minimum limits are: $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability. This is known as the 30/60/25 standard and applies to all registered motorcycles, mopeds, scooters, motor-driven cycles, and three-wheeled motorbikes operating on public roads in Texas.

While these minimums satisfy the legal requirement, they are often insufficient to cover the real cost of a serious accident in the Dallas area. A single emergency room visit can exceed $30,000. A multi-vehicle accident on a Dallas freeway can generate liability claims far above the minimum limits. Most riders benefit from carrying higher liability limits and additional coverages that protect their own finances, not just the other party’s.

For a full breakdown of Texas motorcycle laws, helmet requirements, and riding rules, visit the Texas Department of Motor Vehicles.

Texas Helmet Law and Lane Splitting

Texas requires helmets for all motorcycle operators and passengers under the age of 21. Riders and passengers 21 and older are exempt from the helmet requirement if they have completed a state-approved motorcycle operator training course or carry at least $10,000 in medical insurance coverage. Lane splitting - riding between lanes of slow or stopped traffic - is illegal in Texas. Riding in the same lane in a staggered formation alongside another rider, however, is legal and encouraged for visibility.

Motorcycle Insurance Coverage Options in Dallas, Texas

Most motorcycle insurance policies in Texas are structured similarly to auto insurance, with liability as the legal foundation and optional coverages you can add based on your bike, your budget, and how you ride. Here is a clear breakdown of what each coverage does:

Required by Texas law:

• Bodily Injury Liability – Covers injuries to others if you cause an accident

• Property Damage Liability – Covers damage to other vehicles or property you cause

Required if your bike is financed:

• Collision Coverage – Pays for damage to your bike from a crash

• Comprehensive Coverage – Covers theft, fire, weather, and vandalism (non-collision)

Optional but recommended:

• Medical Payments (MedPay) – Covers your medical bills and passenger injuries

• Uninsured/Underinsured Motorist – Protects you if hit by a driver with no or low coverage (strongly recommended in TX)

Optional add-ons:

• Custom Parts & Equipment – Covers aftermarket parts, accessories, and modifications (ideal for custom bikes)

• Trip Interruption – Covers meals and lodging if your bike breaks down far from home

• Roadside Assistance & Towing – Emergency towing and roadside help

Usually auto-included:

• Guest Passenger Liability – Covers injuries to a passenger on your bike

Our Dallas agents review your specific riding habits, bike type, and financial situation to recommend the right combination of coverages. We never recommend coverage you do not need, and we make sure you are not exposed to risks your current policy does not address.

Types of Motorcycles We Cover in Dallas

We insure the full range of motorcycles and powered two-wheelers ridden across the DFW Metroplex, including:

• Cruisers and Harley-Davidsons - the most popular style in the Dallas area, including custom-built and collector bikes

• Sport bikes and supersports - high-performance bikes that often require specialized coverage given their speed and risk profile

• Touring bikes and adventure motorcycles - long-range bikes built for highway travel, often with significant accessory and equipment investments

• Dirt bikes and dual-sport motorcycles - off-road and on-road bikes used across North Texas

• Scooters and mopeds - increasingly popular for Dallas commuters in Uptown, the Design District, and Frisco

• Three-wheel motorcycles and trikes - including Can-Am Spyder and Harley-Davidson Tri Glide models

• ATVs and off-road vehicles - for riders with recreational use needs in the North Texas area

• Custom and collector motorcycles - bikes with aftermarket modifications or significant accessory investments that require agreed-value or custom parts coverage

Each type of bike carries its own risk profile, and not every carrier prices them the same way. Our job is to match you to the carrier that values your specific bike and riding history most favorably.

Custom Parts and Equipment Coverage for Dallas Riders

If you have invested in aftermarket parts, custom paint, upgraded exhaust systems, chrome accessories, performance modifications, or specialized gear on your motorcycle - your standard policy may not cover those additions at full value. A basic motorcycle policy typically covers the factory value of your bike, not the extras you have added to it.

Custom parts and equipment coverage is an optional add-on that protects the value of your modifications. For Dallas riders who own custom-built bikes, vintage motorcycles, or Harleys with significant accessory investments, this coverage is often essential to protect the full value of their ride. If you are seeking a custom motorcycle appraisal in Dallas, our agents can also point you toward carrier options that accommodate agreed-value or stated-value policies for high-value and custom bikes.

Talk to our agents about your specific modifications and we will find a carrier and policy structure that reflects the real value of your motorcycle.

How Much Does Motorcycle Insurance Cost in Dallas, TX?

Motorcycle insurance in Dallas is generally more affordable than auto insurance, but costs vary meaningfully based on the rider, the bike, and the coverage selected. Based on current market data for Texas riders, here is what Dallas motorcyclists typically pay:

• Minimum liability only: approximately $70 to $100 per year for a clean-record rider on a standard bike - as low as $6 to $8 per month

• Full coverage (liability, collision, comprehensive): approximately $400 to $850 per year for the average Dallas rider, or roughly $35 to $70 per month

• High-performance sport bikes or riders with prior violations: premiums can be significantly higher due to the elevated risk profile

• Financed motorcycles: lenders require full coverage including collision and comprehensive, which increases the annual premium

The factors that affect your specific rate include your driving record, your age, your home address and zip code within the DFW area, the type and year of your motorcycle, whether your bike is stored in a garage, your credit history, the number of riders on the policy, and the coverage limits and deductibles you select.

Dallas riders typically pay slightly less than Houston riders but slightly more than riders in smaller Texas cities - reflecting the DFW area’s traffic density and claim frequency. The best way to know your actual rate is to get a quote. Call us at (972) 991-9100 or submit a request online and we will compare rates across 80+ carriers to find your best option.

Motorcycle Insurance Discounts Available to Dallas Riders

Many Dallas riders are paying more than they need to because they are not aware of the discounts available to them. When we compare carriers for you, we actively look for every discount that applies to your situation. Common discounts include:

Multi-Policy Discount

Bundle your motorcycle insurance with your auto insurance, homeowners insurance, or renters insurance and most carriers offer a meaningful multi-policy discount on all of them. Consolidating your coverage with one carrier also simplifies your renewals and claims management.

Motorcycle Safety Course Discount

Completing a state-approved motorcycle operator training course - such as those sponsored by the Motorcycle Safety Foundation - can reduce your premium at most carriers. It also qualifies riders 21 and older for the Texas helmet exemption. It is one of the most valuable discounts available to newer riders and those looking to reduce costs without reducing coverage.

Multi-Bike Discount

If you insure more than one motorcycle on the same policy, most carriers offer a discount per bike. This is a common discount for households with multiple riders or riders who own more than one motorcycle.

Garage Storage Discount

Riders who store their motorcycle in a secured garage rather than on the street or in an open driveway often qualify for lower comprehensive premiums, since the risk of theft, vandalism, and weather damage is reduced.

Renewal and Loyalty Discounts

Maintaining continuous coverage without a lapse and renewing with the same carrier are recognized by many insurers with renewal discounts. If you have been insured for several years without a major claim, you may qualify for additional loyalty pricing that a new-to-you carrier cannot offer right away.

Paid-in-Full and Autopay Discounts

Paying your annual premium in full upfront, or enrolling in automatic payments, can generate additional savings at many carriers. These are easy, no-effort discounts that apply at the time of purchase.

Why Dallas Riders Choose Thumann Agency for Motorcycle Insurance

80+ Carriers, Shopped for You

As an independent broker, we are not tied to one company. We compare motorcycle insurance options across 80+ top-rated carriers - including Progressive, Dairyland, Markel, and others - to find competitive rates and strong coverage for your specific bike and riding history. No single company is the best fit for every rider, and that is why comparing matters.

Coverage for Every Type of Bike and Rider

From first-time riders on small displacement bikes to experienced Harley owners with custom builds, from Dallas commuters on scooters to weekend touring riders crossing the state - we cover the full range of motorcycles and riding profiles across the DFW Metroplex and all of Texas.

Local Dallas Expertise Since 1996

We understand the North Texas riding environment. From heavy freeway traffic in Garland and Irving to weekend rides through the scenic roads north of McKinney, nearly 30 years of Dallas-local experience means we understand the risks our riders face and the carriers that serve them best.

Same-Day Quotes and Fast Coverage

Need coverage today? We can provide same-day quotes and bind coverage quickly so you are protected without waiting. Whether you just purchased a new bike or your current policy is coming up for renewal, we make the process simple and fast.

What Our Dallas Clients Say

Hundreds of Texas riders and families trust us to protect what matters most to them. See what they have to say on our Google reviews - then let us find the same value for you.

★★★★★ Read What Our Dallas Clients Say

“Desni Cox went above and beyond to constantly update my insurance to help get me the lowest costs! Highly recommend this company, very quick responses and kind people.”

Frequently Asked Questions - Motorcycle Insurance in Dallas, TX

Is motorcycle insurance required in Texas?

Yes. Texas requires all motorcycle operators to carry liability insurance at minimum limits of $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage - known as the 30/60/25 standard. Riding without insurance is illegal and can result in fines, license suspension, and impoundment of your vehicle. Insurance must be in force before you can legally register and ride any motorcycle on Texas public roads.

What is the best motorcycle insurance in Texas for Dallas riders?

The best motorcycle insurance is the one that provides the right coverage for your specific bike, riding habits, and budget - at the most competitive rate available. Because no single carrier is the best fit for every rider, working with an independent broker like Thumann Agency gives you the advantage of having your profile compared across 80+ carriers simultaneously. What is cheapest for one rider may not be cheapest or best for another.

How much does motorcycle insurance cost in Dallas?

Dallas riders with a clean record typically pay between $70 and $100 per year for minimum liability coverage, and between $400 and $850 per year for full coverage, depending on the bike, coverage limits, and discounts applied. Rates vary significantly by age, riding history, bike type, zip code, and whether the bike is financed. The fastest way to find your exact rate is to call us at (972) 991-9100 for a personalized quote.

Do I need full coverage if my motorcycle is financed?

Yes. If your motorcycle was purchased with a loan, your lender will almost certainly require you to carry both collision and comprehensive coverage - which together constitute full coverage - until the loan is paid off. This protects their financial interest in the bike in case of an accident, theft, or total loss. Dropping to liability-only while your bike is financed is a violation of most loan agreements and can result in forced-placed insurance at a much higher premium by your lender.

Does motorcycle insurance cover custom parts and accessories?

Standard motorcycle insurance policies typically cover the factory value of your bike, not aftermarket modifications, custom parts, upgraded accessories, or custom paint. If you have invested in modifications to your motorcycle, you need to add custom parts and equipment coverage to your policy to protect that additional value. Our agents will review your modifications and help you find a carrier that provides adequate coverage for your bike’s full value.

What discounts can lower my motorcycle insurance premium in Texas?

Common discounts available to Dallas riders include multi-policy bundling with auto or home insurance, completing a state-approved motorcycle safety course, insuring multiple motorcycles on one policy, storing your bike in a secured garage, maintaining a clean driving record, continuous coverage and renewal loyalty, and paying your premium in full upfront. Our agents actively search for every applicable discount when comparing quotes on your behalf.

Do you offer motorcycle insurance quotes in Spanish?

Yes. Thumann Agency serves the Spanish-speaking community across Dallas and the DFW area. Si necesita un seguro de motocicleta en Dallas y prefiere hablar en español, nuestros agentes están disponibles para ayudarle. Llámenos al (972) 991-9100 o envíe una solicitud de cotización en línea.

Can I get motorcycle insurance for a scooter or moped in Dallas?

Yes. We insure scooters, mopeds, and motor-driven cycles across the Dallas area. The coverage options and requirements are similar to standard motorcycle insurance, though premiums for smaller displacement bikes are typically lower. If you use a scooter for commuting in Dallas, Uptown, or Frisco, talk to our agents about the right coverage level for your specific use. You can also visit our dedicated scooter insurance page for more information.

Last Updated: 25 February 2026

Author: Steve Thumann, Licensed Texas Insurance Broker

Sources: Texas Department of Motor Vehicles, Texas Department of Insurance

Disclaimer: This page is for educational purposes only. Coverage details and rates vary by carrier, rider profile, and policy. Contact Thumann Agency directly for a personalized quote.