Cheap Motorcycle Insurance Texas

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Effective September 1, 1997, persons at least 21 years old are exempt from wearing a motorcycle helmet if they:

have successfully completed a motorcycle safety course, or are covered by a health insurance plan providing the person with at least $10,000 in medical benefits for injuries incurred as a result of an accident while operating or riding upon a motorcycle.
Motorcycle Safety Course. The Basic and Advanced Motorcycle Operator Training Courses meet the helmet exemption requirement. The Advanced Motorcycle Operator Training Course is recommended for experienced licensed motorcyclists.

Helmet Exemption Sticker. The Department of Public Safety issues Helmet Exemption stickers to persons who:

apply to the department on the form provided; and
own the motorcycle listed on the application;
provide adequate proof of successful completion of the Basic or Advanced Motorcycle Operator Training Course, or health insurance coverage, and, pay a $5.00 non-refundable fee for each sticker applied for.
Persons operating, or riding upon, a motorcycle with a helmet exemption sticker displayed on the license plate or license plate mounting bracket are presumed to meet the training or insurance requirements for riding without a helmet.

NOTE: Helmet Exemption stickers are serialized and may not be transferred from one motorcycle to another. The sticker expires on the third anniversary of their date of issuance.

Frequently Asked Questions.

Do passengers have to meet the same age/insurance/training requirements as the operator?

It is presumed that operators and passengers on a motorcycle displaying a helmet exempt sticker on the license plate or plate holder meet the age/insurance/training requirements.

No helmet exempt sticker on the motorcycle? If the motorcycle owner has the state-required minimum insurance, passengers, providing they are at least 21 years of age, can ride on a motorcycle without a helmet.

Is the helmet exemption sticker required before a motorcyclist can ride without a helmet?

No. The sticker indicates that the motorcyclist meets the requirement for riding without a helmet, and law enforcement officers will presume that they do. Without the sticker motorcyclists may be requested to show police officers their proof of course completion or insurance coverage.

Where are helmet exemption sticker applications available?

Helmet exemption sticker applications are available at most Driver License Offices, from the Motorcycle Safety Unit (1-800-292-5787) or by downloading it from the Motorcycle Safety Unit’s web page (www.txdps.state.tx.us/msb).

If a person is from out of state, can they ride in Texas without a helmet?

Yes, as long as he or she is at least 21 years old and can show proof of course completion or adequate medical insurance.


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Motorcycle Safety Course

The Basic and Advanced Motorcycle Operator Training Courses meet the helmet exemption requirement. The Advanced Motorcycle Operator Training Course is recommended for experienced licensed motorcyclists.


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You can contact the Motorcycle Safety Unit at:

Motorcycle Safety Unit
Texas Department of Public Safety
P O Box 4087
Austin, Texas 78773-0001
Phone: (512) 424-2021
or 1-800-292-5787
Motorcycle Safety Unit


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Texas Motorcycle Insurance Laws and More
Road
Safety Helmet Required by law under age 21. Over age 21, riders are not required to wear a helmet with proof of successful completion of rider training or $10,000 of medical insurance covering injuries resulting from a motorcycle accident
State Funded Rider Ed Available for all eligible applicants-required under age 18
Eye Protection Not Required
Daytime Use of Headlight Required unless motorcycle is manufactured prior to 1975
Passenger Seat Required if carrying a passenger
Passenger Footrest Not Required
Passenger Age Restriction None
Helmet Speakers No Restrictions
Periodic Safety Inspection Required by law
Mirror Left(L) Right(R) Required by law
Radar Detector No Restriction
Turn Signals Not Required - Refer to Section 04.20.00 - 20.29 Turn Signal Lamps - Texas Department of Public Safety Inspection manual
Muffler No acoustical criteria.
Maximum Sound Level No acoustical criteria.
State Insurance Requirements Compulsory Liability (Minimum Limits)(20/40/15)
Handlebar Height Maximum of 15" above seat - Required by inspection regulations
Rider-Education Waiver Skill Test
Accept Motorcycle Endorsement From Other States Yes
Motorcycles operating two abreast in same lane Not referenced in Administrative Code or Statutes
Off Road
Safety Helmet Required by law
Eye Protection Required by law
Minimum Operator Age Direct supervision of an adult if under the age of 14
Rider Education Certification Required by law
Operator License Not Required
Headlight Required after sunset
Taillight Required after sunset
Muffler Required by law
Maximum Sound Level No Limit
Spark Arrestor Required by law
Registration Required by law
Vehicle Title Not Required
Trails Program Not Available




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