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Rider Tips 6 min readBy Sean Gilani — A-LA Auto InsuranceFeb 22, 2026
Last updated:

Motorcycle Insurance: 5 High-Impact Ways to Save in Texas

Riding in Texas is all about freedom, but that doesn't mean your insurance should cost a fortune. Discover how to slash your premiums without sacrificing safety.

How can I save on motorcycle insurance in Texas?

Texas requires every motorcycle rider to carry minimum 30/60/25 liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage — so the goal is lowering cost without dropping below that legal floor. Five proven ways to save are: complete an approved Motorcycle Safety Foundation (MSF) course for a discount of up to 10%; bundle your motorcycle policy with auto or renters insurance for multi-policy savings; join a recognized riding club; note seasonal or laid-up garage storage; and keep a clean driving record on both your bike and car. At A-LA Auto Insurance, riders who switch and bundle often save an average of 15% to 20% on annual premiums. A-LA shops 35+ carriers across 15 DFW offices, offers bilingual service from $28/month, and you can compare quotes by calling (866) 252-6116.

Source: A-LA Auto Insurance

Protecting Your Ride and Your Wallet

In Texas, every rider is unique. Whether you’re cruising on a Harley, zipping through traffic on a sports bike, or exploring backroads on a dual-sport, your motorcycle insurance needs vary. At A-LA Auto Insurance, we believe you shouldn't have to choose between affordable rates and reliable protection.

5 Proven Strategies to Lower Your Premium

1

Complete a Safety Course

In Texas, many insurers offer a significant discount (often up to 10%) if you complete an approved Motorcycle Safety Foundation (MSF) course. Not only does this sharpen your skills, but it also proves to insurers that you're a lower-risk rider.

2

Bundle Your Policies

If you already have auto or renters insurance with us, bundling your motorcycle policy can unlock massive savings. Multi-policy discounts are among the most effective ways to lower your overall insurance costs.

3

Join a Riding Club

Believe it or not, being part of certain recognized motorcycle associations or riding clubs can qualify you for an additional discount. Insurers often see club members as more responsible and safety-conscious.

4

Adjust for Storage

If you only ride during certain seasons or keep your bike in a secure, locked garage, let us know. Mentioning safe storage or seasonal usage can often reflect positively on your quote.

5

Keep a Clean Record

It goes without saying, but your driving history is a major factor. Avoiding speeding tickets and accidents (both on your bike and in your car) will help you maintain the best possible "Safe Driver" rates.

Did You Know?

"Texas riders who switch and bundle with A-LA often save an average of 15% to 20% on their annual motorcycle premiums."

Frequently Asked Questions

Yes. Texas law requires all motorcycle riders to carry minimum liability insurance, just like car drivers. The state minimum is 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. Riding without insurance can result in fines and license suspension.

Ready to Hit the Road?

The open road is calling. Don't let high insurance costs keep you in the driveway. Our agents specialize in finding the best deals across more than 35 carriers, ensuring you get the specific motorcycle coverage your bike deserves.

SEE HOW MUCH YOU CAN SAVE

Ready to Get Covered?

A-LA Auto Insurance has 15 DFW offices, 35+ carriers, and same-day coverage. Rated 4.9★ with 13,000+ verified Google reviews.

S

Sean Gilani

Licensed Insurance Agent, Texas

Published · Updated

Sean is a licensed insurance agent at A-LA Auto Insurance, a Texas-licensed independent agency with 15 offices across Dallas-Fort Worth. With 5+ years of experience in the non-standard auto insurance market, he specializes in SR-22 filings, high-risk auto, DUI insurance, no-credit-check options, and coverage for drivers without a US license. Sean works with 35+ carriers to find the lowest available rate. Call (866) 252-6116 to speak with the team directly.

Texas-licensed agency5+ Years Experience35+ Carriers

Licensed by the Texas Department of Insurance. A-LA Auto Insurance is an independent agency serving DFW since 2021. For personalized advice, call (866) 252-6116.

Disclaimer: This content is for informational purposes only and does not constitute personalized insurance advice. Coverage options, terms, and pricing vary by individual circumstances. Contact a licensed agent for specific recommendations. A-LA Auto Insurance is licensed by the Texas Department of Insurance.

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