Your guide to
Motorcycle Insurance in Texas
Time on the open road is part of the appeal of riding, and it comes with its own risks. Our agency helps you understand motorcycle insurance in Texas and what to look for in a policy before you ride.
What it covers
Common motorcycle coverages
A motorcycle policy can combine liability coverage with protection for your bike, your passenger and your equipment. Options vary, so it helps to review each part.
Tap any part and the quote form opens with it already noted.
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Liability
Helps pay for injuries and property damage you cause to others while riding, up to your policy limits.
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Collision
Helps pay to repair or replace your motorcycle after it hits another vehicle or an object, regardless of fault.
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Comprehensive
Helps with damage from events other than a collision, such as theft, vandalism, fire or hail.
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Uninsured and underinsured motorist
Can help pay for your injuries when the at-fault driver has no insurance or not enough, depending on the policy.
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Medical payments
May help pay medical bills for you and your passenger after an accident, regardless of fault, depending on the policy.
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Custom parts and gear
Added coverage may help protect aftermarket parts, custom paint and riding gear like helmets and jackets, often up to set limits.
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Why it matters
Riding comes with different risks
Riders have less physical protection than people in cars, so injuries in an accident can be more serious. Liability coverage helps protect others, but it does not pay for your own bike or your own injuries.
Some riders store their bikes for part of the year, and custom parts and gear can add value that basic coverage may not fully protect. Reviewing your policy with the way you actually ride in mind can help you spot gaps.
Before adding custom parts or accessories, ask whether your policy covers them and up to what amount.
Pricing
What can affect your motorcycle insurance rate
Your motorcycle
The type of bike, its engine size, value and age can affect the cost to insure it.
Riding history
Accidents, claims and traffic violations on your record may be considered when your rate is set.
Riding experience
How long you have been riding may be considered, depending on the insurer.
Where and how you ride
Where you live, where the bike is stored and how often you ride can play a role.
Coverage choices
Higher limits, added coverages and your deductible choices can all change the premium.
Answers
Motorcycle insurance questions
Straight answers to common questions. If yours is not here, call or text our agency.
Texas generally requires motorcycle riders to show financial responsibility, most often with liability insurance that meets the state minimum limits. We can review the current requirements with you.
Personal auto policies generally do not cover motorcycles. A separate motorcycle policy is usually needed, even if you already insure a car.
Dropping coverage completely can leave a stored bike unprotected against theft, fire or storm damage. We can help you look at options that fit how you use your motorcycle.
Request a quote
Tell us what you need
Your name, a number that reaches you, an email, and a few quick questions about the coverage you pick. Our team reviews it and calls you back.
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Next step
Let’s review your needs to find the coverage that fits you.
Request a quote online, or call or text our agency. If your current policy already fits, we will tell you that too.