Factors That Affect Texas Motorcycle Insurance Rates

There’s nothing like riding through the Texas Hill Country or cruising the Gulf Coast with the wind in your face. But before you head out, you have to have motorcycle insurance. If you’ve ever looked at your premium and wondered why it’s higher than your buddy’s, you’re not the only one. In Texas, how much you pay depends on factors such as your age, driving record, bike type, and even where you live.

Your Age and Riding Experience

Younger riders often face higher premiums because statistics show that those under 25 are involved in more accidents. If you’re new to motorcycling or recently licensed, you’ll likely pay more until you gain experience and build a clean record. On the other hand, experienced riders with no accidents or tickets usually qualify for lower rates. Some insurance companies even offer discounts for completing a safety course, such as the Texas Motorcycle Safety Course.

Your Driving Record

If you have a clean driving record, you’ll usually receive a better deal on your insurance since companies see you as less risky. But if your record is troublesome, it’s not the end of the world. Drive safe, give it some time, and your rates can start to come back down.

How You Use Your Bike

How often you ride affects your insurance rate. If you use your motorcycle as a daily commuter, you’ll likely pay more since more time on the road means more risk. Occasional riders who only put a few thousand miles on their bike yearly may qualify for lower premiums. It’s essential to be honest about your riding habits – misreporting mileage can create problems if you ever need to file a claim.

Your Motorcycle’s Make and Model

Not all motorcycles receive the same treatment when it comes to insurance. High-performance sport bikes typically come with higher premiums because their speed increases the risk of accidents. In contrast, cruisers, touring bikes, and standard models are generally cheaper to insure. However, custom or limited-edition bikes can be more expensive due to the cost of specialized parts and repairs.

Where You Live and Park

Where you live in Texas can affect how much you pay for motorcycle insurance. Big cities such as Houston, Dallas, and San Antonio usually come with higher rates thanks to more traffic, accidents, and a bigger chance of theft. You’ll probably pay less if you’re out in a rural area and keep your bike in a garage or somewhere secure. Insurance companies also look at local crime, weather risks, and how often people around you file claims.

Coverage Limits and Deductibles

The kind of coverage you choose significantly affects how much you’ll pay for motorcycle insurance. Liability-only is usually the most affordable, but it offers the least protection. If you opt for comprehensive or collision, your premium will likely go up – but that added coverage can make a significant difference if your bike is damaged or stolen. Your deductible matters, too. A higher deductible might lower your monthly rate, but it also means more out-of-pocket costs if you file a claim.

Credit Score

Your credit score can legally be used to determine insurance rates in Texas. Riders with higher credit scores are often rewarded with lower premiums. If you have strong credit, it can help bring your costs down. If not, improving your score over time may help.

Smarter Insurance Starts with Having the Right Info

Motorcycle insurance in Texas isn’t one-size-fits-all – it depends on who you are, what you ride, and how you ride it. Understanding the factors that affect your premium can help you make smarter choices for both your budget and your safety.

Now that you know factors that effect Texas motorcycle insurance, sign up for the Law Tigers FREE Rider Benefit Kit and immediately enjoy information on motorcycle matters, no-recovery, no-fee motorcycle accident representation, and other important benefits.