E-bikes are becoming a popular choice for teens, offering freedom and practicality, but parents need to carefully match bike type, size, and class (1, 2, or 3) to their child’s...
Texas cycling in numbers
Texas offers a wildly diverse playground for cyclists of every type.
32%
Bike ownership
2,100
Miles of trails
89
State parks
39
Bike friendliness score
Texas from a cyclist's perspective
Texas beckons adventurous cyclists with its huge, ever-changing terrain-think wildflower-dotted Hill Country, pine forests, urban greenbelts, arid mountains, and dramatic coastlines. For anyone pedaling across the Lone Star State, one thing stands out: while challenges exist, Texas’s cycling scene is vibrant, growing, and full of unique destinations worth the ride.
Among the state’s prime cycling locations, the Hill Country emerges as a standout, with routes winding through rolling limestone hills, fields of bluebonnets in spring, and quiet farm-to-market roads around towns like Fredericksburg and Dripping Springs. For epic climbing and scenery, head west to the Big Bend region, especially Big Bend Ranch State Park-home to the Fresno-Sauceda Loop, which the International Mountain Biking Association rated as “epic” for its challenging singletrack, remote setting, and unforgettable vistas. Fort Davis’s Scenic Loop offers one of the toughest road climbs in Texas, cresting above 6,000 feet and rewarding cyclists with panoramic mountain views and a detour to the McDonald Observatory.
Urban riders will find excellent cycling escapes on the Northeast Texas Trail-a 130-mile rail-trail linking the Dallas area to Texarkana, with a mix of paved, crushed stone, and gravel surfaces. In San Antonio, the River Walk Hike & Bike Path weaves alongside the city’s famous river, out to the historic missions and parks on a 30-mile stretch. Long greenbelts like the Salado Creek Greenway or Trinity Trails in Fort Worth offer well-maintained, shaded routes through city parklands. Houston boasts Buffalo Bayou and Terry Hershey Park trails, which thread through riverine parklands, while Austin features the Barton Creek Greenbelt and Southern Walnut Creek Trail, favorites for both mountain and road cyclists.
When it comes to everyday cycling and infrastructure, the friendliness of Texas’s major cities varies widely. Austin is far and away the state’s most celebrated bike city, regularly earning accolades for its culture, trail networks, and downtown bike lanes, though even here, advocates push for better safety and connectivity. El Paso and College Station frequently score well for infrastructure and commuter safety, while Houston and San Antonio continue expanding their networks, albeit from a lower baseline. Fort Worth, Dallas, and their suburbs offer growing but fragmented networks-good in patches but inconsistent across the metroplex.
Outside the big cities, cyclists will discover dozens of state parks with mountain-biking loops, gravel routes along ranch roads, and small-town rides that tap into Texas’s signature blend of rugged landscape and Southern charm. Despite logistical challenges, heat, and a car-centric culture, Texas’s cycling scene is energized and expanding-luring riders with big skies, bold rides, and a spirit of exploration that’s pure Texas.
Texas Cycling Weather
Texas has a warm, sunny climate with long, hot summers and mild winters, creating year-round riding conditions for cyclists across much of the state.
Sunny days a year
280
Riding season
Sep - May
280 sunny days a year
Riding season
Texas Cycling Destinations
Big Bend Ranch State Park
Presidio, TX
Up to 60 mi.
~4,400 ft.
Up to 10 hr.
Big Bend Ranch State Park is the crown jewel for mountain bikers in Texas thanks to its rugged remoteness and dramatic desert landscapes. The Fresno-Sauceda Loop, labeled an “epic” by the International Mountain Bicycling Association, rolls through prickly canyons, steep climbs, and sun-baked grasslands. Riders are immersed in silence broken only by the crunch of gravel and rustling mesquite. You’ll encounter wide-open spaces, hidden springs, and sweeping vistas that reveal the grandeur of the Chihuahuan Desert. Due to technical, rocky terrain and limited water, this 60-mile ride is not for the faint-hearted or underprepared - expect variable conditions, dramatic weather shifts, and few bailout points. However, adventure-minded cyclists consider it a rite of passage.
Fort Davis Scenic Loop
Fort Davis, TX
Up to 74 mi.
~3,150 ft.
Up to 7 hr.
The Fort Davis Scenic Loop is Texas’s most iconic challenge for road cyclists, renowned for its high-altitude setting and panoramic West Texas skies. The 74-mile loop begins above 5,000 feet, climbs past the famed McDonald Observatory, and traces highways winding through barren desert, grassy plains, and volcanic peaks. Riders should expect long ascents, wildflower views in spring, and almost no traffic, making it a tranquil yet tough experience. Cyclists often spot pronghorn antelope and, on the descent, peer down into sweeping valleys. The arid climate means ample sun exposure, so early starts are wise.
Texas Hill Country Loop
Gruene, TX
Up to 316 mi.
over 14,000 ft.
4–7 days full loop
This loop embodies the spirit of Texas cycling with its patchwork of rolling roads, wildflower blooms, and classic small towns. Setting off from Austin, cyclists pass through Fredericksburg’s German heritage, historic Johnson City, and countless rural vistas. The loop’s quiet farm-to-market roads deliver punchy climbs and scenic river crossings, with highlights like Luckenbach, Pedernales Falls, and regional wineries. Ride in spring for bluebonnets and avoid the midday summer heat. The full loop spans several days, but shorter segments offer day-ride options.
Northeast Texas Trail
Farmersville, TX
Up to 130 mi.
~1,000 ft.
Up to 3 days full loop
As the state’s longest rail trail, the Northeast Texas Trail offers cyclists over 130 miles traversing farmland, small towns, and wooded creeks. The mostly flat, mixed-surface trail is ideal for touring bikes, gravel grinders, and casual riders eager to explore at their own pace. Local cafes, shaded rest stops, and historic depot buildings provide frequent breaks, while seasonal wildflowers and wide Texas skies flatter photographers. The eastern sections are more lush; the western miles are open and wind-prone.
Terry Hershey Park Hike & Bike Trail
Houston, TX
~11 mi.
Minimal
1–2 hr.
Located along Buffalo Bayou in west Houston, Terry Hershey Park includes nearly 11 miles of paved and crushed-stone trails, perfect for commuters, fitness riders, and families. The route is well-shaded - essential during Houston’s humid summers - and scenic, flanked by wildflowers, woodlands, and glimpses of urban wildlife. It connects with George Bush Park for added distance. The flat profile, networked loops, and easy access make it a staple of Houston’s metropolitan cycling community.
Barton Creek Greenbelt
Austin, TX
Up to 13 mi.
~700 ft.
1-2 hr.
Loved by both mountain and urban cyclists, Austin’s Barton Creek Greenbelt offers limestone cliffs, creekside singletrack, and shaded canopies less than three miles from downtown. Riders weave through technical rock gardens, smooth dirt sections, and splashy creek crossings, with routes tailored to all ability levels. On weekends, the vibe is festive: hikers, swimmers, and bikers share the trail, while early mornings bring solitude. Rain can make some sections muddy and challenging, so check conditions before heading out.
Texas Cycling Events
Texas hosts an abundance of cycling events year-round, from major charity rides and road races to gravel grinders and mountain bike festivals.
Hotter’N Hell Hundred
The Hotter’N Hell Hundred is one of America’s largest and toughest single-day cycling events, drawing over 13,000 riders each August in Wichita Falls. The ride’s name reflects the notorious Texas heat, with the 100-mile route combining sun-exposed flats, rolling ranch roads, and supportive crowds. With shorter options and a festival atmosphere, it’s a “ride of passage” for Texan cyclists. The event includes rest stops, hydration stations, medical support, and a surrounding bike expo.
Event website
Texas MS 150
The Texas MS 150 is a legendary two-day fundraising ride from Houston to La Grange, supporting the fight against multiple sclerosis. It offers a blend of rural roads, gentle hills, and community support along its route. Cyclists experience the camaraderie of thousands of riders, and the overnight stay in La Grange features festivities and live music. Well-marked rest stops and medical support make it beginner-friendly, with experienced riders able to push the pace.
Event website
Tour de Houston
Tour de Houston offers cyclists the chance to explore the city’s historic districts, scenic parks, and urban neighborhoods while raising funds to replant trees. The event appeals to all skill levels, with multiple route lengths winding through green spaces and by prominent landmarks. Support includes traffic control, rest stops, and mechanical assistance, creating a lively citywide celebration of cycling.
Event website
Texas Hell Week & Stampede 200
Texas Hell Week is an iconic cycling festival in Fredericksburg, renowned for challenging rides in the Hill Country’s rolling terrain. The Stampede 200, its signature ultra-distance event, features two loops of ranch road climbs, sweeping vistas, and river crossings. Riders tackle serious elevation and enjoy camaraderie with endurance athletes. The festival also includes seminars, group rides, and parties for a true cycling celebration.
Event website
Gran Fondo Texas
Gran Fondo Texas, held in Montgomery, offers a professionally organized charity ride with multiple route options through forested roads and the scenic countryside, supporting local causes. Riders of all abilities can participate, and the event is noted for its outstanding rest stops, SAG vehicles, and high rider approval ratings. The challenge and camaraderie make it a must-ride in the Houston region.
Event website
Tour de Boerne
Held in the beautiful Hill Country near San Antonio, Tour de Boerne features sweeping vistas, punchy hill climbs, and friendly local hospitality. Cyclists can choose from three routes, taking in valleys, ranches, and the picturesque town of Boerne. The event is popular for its supportive atmosphere and is quickly becoming a charity ride favorite in Texas.
Event websiteTexas's best bike insurance
No matter where your adventures take you, protect your bicycle and yourself from the unexpected with America's best bike insurance.
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Coverages and Features
Velosurance offers must-have protection such as accidental damage, theft, or loss in transit. Each policy can be customized by adding additional coverages such as liability protection, uninsured motorist, and medical payments.
Total loss by theft
Bicycles are very easy to steal and equally difficult to recover, and even a hefty U-lock doesn’t guarantee your bike is still there when you return. Velosurance provides peace of mind if it is stolen or damaged in the process.
Medical payments
If you’re hurt and require medical attention, our policy's optional purchase medical payments will take care of your medical bills, up to the selected limit. The policy medical payments are paid directly to you to supplement the deductible of your personal health insurance policy.
Any crash or accidental damage
Our policy will pay to replace your ride if it is accidentally damaged and beyond repair, including damage that occurs while being carried on or in your vehicle. If the damage can be repaired, we will pay all the costs associated with the bike's repair, including tax, labor, and shipping, minus the deductible. Cosmetic damage that does not affect safety is excluded.
Damage or loss in transit
Bikes often get damaged in transit by personal vehicles, airlines, or courier services. Filing a claim with the airlines and courier services is a notoriously difficult process with a questionable outcome. We cover the insured bicycle for loss or damage while it's on its way to or from your destination by air or road. Even if it falls off a vehicle rack or is hit in a rear-end accident, it is covered, no arguments.
Our shop or yours
When filing a claim, you’ll need to provide a repair estimate from a repair shop. We have a nationwide network of partner shops familiar with our process to help you move things along quickly. Prefer your favorite local shop? That works too.
Gear and apparel
If you go down in a crash, we cover the bike as well as your apparel, such as helmet, shoes, glasses, or riding kit that are torn up, and pay up to $500 per accident and $1,000 per year. Spare parts that are not installed, such as a spare wheelset, are also covered up to $500 per loss and $1,000 per year.
Your choice of lock
We do not dictate what type or brand of lock must be used to protect your ride from theft – you are welcome to use any lock that you trust. The best security is provided by metal locks combined with a high-quality chain. Securing your ride to a solid and immovable object, such as a bike rack, with a high-quality lock will send the thief onto the one secured with a more vulnerable lock.
No depreciation
Depreciation is a hidden deductible that increases every year and is applied if the bike is stolen or totaled. No one is ever happy with an Actual Cash Value insurance settlement: the bike is first devalued, and then a deductible is applied, resulting in a reimbursement that is far less than the cost of a replacement. We reimburse you, without depreciation, for the cost of a replacement bike that is of like, kind, and quality similar to your totaled bike.
24/7/365 coverage
We cover the insured bike(s) at all times, anywhere in the USA and Canada, and can be extended worldwide on request. There are no exclusions on the time of day or limitations on how long a bike can be stored away from home. 24/7/365 means every minute of every day, no matter where or when.
Standalone bike insurance
Our policy does not piggypack on any coverage you may already have, such as homeowners policies. Filing a claim won’t impact your rates with other carriers. With home insurance premiums rising each year in the U.S., it’s wise to reserve that policy for major incidents, because no matter how valuable your bike is, it’s still a lot cheaper than a kitchen fire or a flooded basement.
Uninsured motorist coverage
One of the scariest things that can happen to a cyclist is getting hit by a car. This coverage will pay for medical expenses, physical therapy, mental health services, lost wages, and other expenses that arise from a bicycle-car accident.
Permissive use
You can lend the bike to anyone you choose, and it will be covered. The bike and the person riding it are covered as if it were you riding it – this includes theft and crash damage as well as any purchased optional coverages.
Why Velosurance is best for your bike
Not all types of insurance are created equal. Velosurance levels the playing field by offering stand-alone bike insurance, where claims won’t affect your homeowner's or renter’s policy premiums.
| Policy Coverage |  | Homeowner/Renters Policy |
|---|---|---|
| Insured at Full Value | Yes | Possibly |
| Crash Damage | Yes | No |
| Theft Coverage | Yes | Limited |
| Theft by Force | Yes | No |
| Theft of Accessories | Yes | Limited |
| Theft Away From Home | Yes | Possibly |
| Vehicle Contact | Yes | No |
| Personal Liability | Yes | Possibly |
| Permissive Use Policy | Yes | No |
| Replacement Bike Rental | Yes | No |
| Event Fee Return | Yes | No |
| Cycling Apparel Coverage | Yes | No |
| Medical Payments | Yes | Possibly |
| Racing Coverage | Yes | No |
| E-bikes | Yes | No |
| Coverage in-transit | Yes | No |
| USAC, USAT and IMBA Member Discount | Yes | No |
| FREE INSTANT QUOTE |
Not all insurance policies provide the same level of protection, and many people only discover gaps in their coverage after filing a claim. We’ve done the hard work of reviewing the fine print. To see how plans compare, check out our insurance comparison.
Customer Stories
Client satisfaction is our #1 goal. Here's what our clients say about Velosurance
"Velosurance is truly a necessity for any cyclist who is serious about their bicycle. I don't have to worry about my bike as I know if anything happens I'm covered. Dealing with Denis and Dave is also fantastic as they answered all my questions and helped through the enrollment process. Give velosurance a shot, you definitely wont be disappointed. "
Julian D
Miami, FL
"Excellent customer service and even better insurance. They were remarkable when I was involved in a case of vehicular violence (hit and run on my bicycle). I've recommended bike insurance to so many people, and it's always Velosurance. I'll use them for life. "
Chris R
Los Angeles, CA
"This was my first ever insurance claim. I'm pleased to be able to say that your company did a wonderful job in helping me through the process. I recommend your company to all of my racing friends. Thanks for doing right by me! "
Bryan L
New York, NY
Check out Velosurance reviews to see what people are saying about us.
Contact Us
'Convinced yet? Let's make something great together.
If you have any questions, don't hesitate to get in touch with us.'
Texas's best bike insurance
No matter where your adventures take you, protect your bicycle and yourself from the unexpected with America's best bike insurance.
Free instant quote
Velosurance story
Velosurance is a national insurance program founded by two avid cyclists, Dave Williams and Denis Voitenko in response to the insurance needs of bicycle riders nationwide.
It all started over tacos
One very rainy day at a local taco joint in Fort Lauderdale we started discussing how badly home and renters policies insured bicycles. We knew there had to be a better way so we set about finding out how we could take a traditional piece of insurance and make it better, much better. On that wet day over tacos, Velosurance was founded.
We partnered with Markel American Insurance Company, an A.M. Best, A rated, US insurance company, and a leader in recreational insurance, to offer a multi-risk bicycle insurance policy providing protection to all types of cyclists, and with none of the silly restrictions that other insurance wants to place on riders.
Our mission
The Velosurance mission is to be fair to everyone involved, and to offer our best advice to clients so they can make an educated decision about their bike insurance coverage. We also like to ride as much as possible.
We are riders too
Bicycle prices increase every year and cyclists who are serious about their sport are spending big money on high value bikes. Other forms of insurance, like homeowners and renters insurance, do a poor job insuring high value bicycles so we founded Velosurance to fix that.
Velosurance provides a stand-alone, no bike value depreciation, bike insurance policy to replace the cobbled together, sub standard coverages offered by traditional insurance.
We are cyclists just like you, and we understand that when your bike gets damaged in an accident you want the shortest possible downtime. We make it our mission to see that your claim check arrives before the repair parts do and you get back pedaling as soon as you want to.
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Velosurance discounts
Members of USA Cycling, USA Triathlon, and International Mountain Bicycle Association (IMBA) receive discounts on Velosurance bicycle insurance products.
Velosurance provides bike insurance policies in the following states: Alabama, Arkansas, Arizona, California, Colorado, Connecticut, D.C., Delaware, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Wisconsin.