Velosurance bicycle insurance

Velosurance is a national bike insurance specialist founded by two cyclists in response to the insurance needs of bicycle riders nationwide. We partnered with an A.M.Best “A” rated, US insurance company to provide a multi-risk policy offering protection to all types of cyclists.

Contact Info
500 NE Spanish River Blvd Suite 103C
Boca Raton, FL 33431
United States
support@velosurance.com
+1 (888) 663 9948

Follow Us

Cycling in Texas: Big Rides, Big Landscapes, and Endless Adventure

From rugged desert singletrack and Hill Country climbs to urban greenbelts and coast-side cruisers, Texas offers a year-round, ever-changing playground for cyclists of every style.

Velosurance on google reviews
214 reviews

Free instant quote

We never share your email
You can add more bikes later. Include locks.
customer rating on
 google

Texas cycling in numbers

32%

Bike ownership

2,100

Miles of trails

89

State parks

39

Bike friendliness score

Texas from a cyclist's perspective

Texas cycling

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.

Odessa Mountain Bike Park, Permian Basin, Texas 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

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 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

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

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

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

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.

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

We never share your email
You can add more bikes later

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 CoverageHomeowner/Renters Policy
Insured at Full ValueYesPossibly
Crash DamageYesNo
Theft CoverageYesLimited
Theft by ForceYesNo
Theft of AccessoriesYesLimited
Theft Away From HomeYesPossibly
Vehicle ContactYesNo
Personal LiabilityYesPossibly
Permissive Use PolicyYesNo
Replacement Bike RentalYesNo
Event Fee ReturnYesNo
Cycling Apparel CoverageYesNo
Medical PaymentsYesPossibly
Racing CoverageYesNo
E-bikesYesNo
Coverage in-transitYesNo
USAC, USAT and IMBA Member DiscountYesNo
 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

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

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

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.'

Use the chat widget during 9-5 EST to chat to a live agent

888-663-9948

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

We never share your email
You can add more bikes later

Most popular articles

We are riders and insurance experts who give advice and share insights to educate fellow riders and keep them safe while on road or trail. We want you to become a better rider by helping you understand and manage risk associated with your lifestyle.

The Definitive Guide To The Best Bike Insurance In 2026

Read More

The Definitive Guide To The Best Bike Insurance In 2026

What every cyclist needs to know about protecting their bike, health, and finances in 2026

24 Dec 2025 By Denis Voitenko
The 2026 Policy Bonk: Why Cyclists Need to Re-Evaluate Their Health Coverage Now

Read More

The 2026 Policy Bonk: Why Cyclists Need to Re-Evaluate Their Health Coverage Now

By 2026, higher deductibles, shrinking subsidies, and surprise ambulance bills will make a post-crash hospital visit far pricier for cyclists—so it’s smart to reassess health coverage now and consider a...

08 Dec 2025 By Denis Voitenko
Charged up: A parent’s guide to e-bikes for teens and kids

Read More

Charged up: A parent’s guide to e-bikes for teens and kids

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...

30 Sep 2025 By Denis Voitenko
The Best U.S. States for bike commuting in 2025, ranked

Read More

The Best U.S. States for bike commuting in 2025, ranked

Velosurance’s state-by-state analysis ranks Vermont #1 for bike-commuter-friendliness, followed by Oregon and Minnesota, using a 100-point model across ridership, infrastructure, road laws/safety, and federal funding. The study highlights how strong...

28 Sep 2025 By Denis Voitenko
A buyer’s guide to moped-style E-bikes

Read More

A buyer’s guide to moped-style E-bikes

Moped-style e-bikes blend vintage moto looks with modern power, but discerning buyers should look past the hype and focus on weight, motor type, range, proven electronics, service support, and security...

27 Aug 2025 By Denis Voitenko
25 unpopular and uncomfortable cycling opinions

Read More

25 unpopular and uncomfortable cycling opinions

The truth is, cycling can be simpler, cheaper, and more enjoyable than the experts want you to believe. These 25 opinions might ruffle some lycra-clad feathers, but they're designed to...

21 Jul 2025 By Denis Voitenko