Texas Motorcycle Insurance

Explore Texas Motorcycle Insurance

Texas riding means variety—Loop 610 traffic, SH 130’s fast stretches, Hill Country ranch roads, and sudden downpours that fill low-water crossings. The right Texas Motorcycle Insurance keeps you moving when the unexpected shows up, protecting you, your passenger, and your bike.

We’ll help you choose limits that fit, add coverage for your upgrades, and keep pricing practical. Quotes are quick when you want them; an experienced agent is here when you want one.

The Bare Minimum: What Texas Requires

Texas requires liability insurance—coverage that pays others if you’re at fault. Minimum limits are:

These are legal minimums—not a recommendation. Hospital bills and bike repairs can outrun them fast.

More Protection for Texas Riders

Minimum coverage won’t fix your bike or cover your gear. Build out your Texas Motorcycle Insurance with:

• Collision Coverage – Repairs your bike after a crash, even if you’re at fault.
• Comprehensive Coverage – Theft, fire, vandalism, hail, flood/high water, animal strikes, and falling objects.
• UM/UIM – Helps when the other driver’s limits don’t go far enough.
• Medical Payments – Helps with medical bills for you or a passenger.
• Accessory / Custom Parts – Bars, bags, seats, electronics, exhaust, and paint—set limits to match your build.
• Roadside & Towing – Handy on long stretches like FM 337 or US-90A when plans change.
• OEM Parts (where available) – Keeps repairs aligned with factory specs.

Know the Rules. Ride with Confidence.

Key Texas rules riders keep in mind:

• Helmet – Required for riders and passengers under 21. Riders 21+ may ride without a helmet if specific criteria are met (e.g., training or qualifying medical coverage).
• Eye Protection – Required for all riders unless the motorcycle has an approved windscreen.
• Lane splitting – Not legal. Two motorcycles may share a lane with consent.
• Proof of insurance – Carry valid liability proof; you’ll need it for registration and roadside stops.
• Headlight on – Keep lights on while operating for visibility.

Ask if you’re unsure how these rules affect your setup or routes. We’ll match your Texas Motorcycle Insurance to real-world riding.

Texas Scenarios, Matched to Coverage

• I-35 stop-and-go through Austin – Chain-reaction brake check: Collision + UM/UIM + deductibles you can live with.
• DFW hail burst on the Tollway – Tank and fairing pitted: Comprehensive + proper Accessory limits.
• High water on Allen Parkway – Sudden street flooding: Comprehensive for water damage + Roadside.
• Hill Country wildlife on Ranch Roads – Deer or feral hog at dusk: Comprehensive + Medical Payments.
• Overnight theft in Midtown – Bike and helmet gone: Comprehensive + Accessory coverage that fits your build.

How to Save Without Cutting Corners

Texas Motorcycle Insurance can be affordable with the right moves:

• Complete a certified motorcycle safety course (often earns a discount).
• Bundle with your home or auto policy for multi-policy credits.
• Use secure storage, locks, and tracking—especially in metro areas.
• Ask about seasonal/mileage ratings if you park the bike part of the year.
• Choose deductibles that balance premiums with what you can pay at claim time.

Why Texas Riders Trust IronPoint

Routes, weather, and traffic patterns change across the state—your policy should account for all three. We pair riders with A-rated carriers, tune limits to real risks, and keep the process straightforward. If a claim interrupts your ride, you’ll be glad your Texas Motorcycle Insurance was built the right way.