Motorcycle Insurance in Texas - Lopez Insurance & Tax

Motorcycle Insurance

Our motorcycle insurance covers liability insurance just like our auto insurance policy, but it insures any damage done to others while you’re riding the motorcycle.

There is also the option to add medical payments coverage, guest passenger medical, comprehensive, collision, and roadside assistance to totally cover your motorcycle.

Feel free to contact us for any inquiries.

When getting motorcycle insurance in Texas, you should make sure to get liability insurance. This will cover any damage done to others while you’re riding your motorcycle. You can also add medical payments coverage, guest passenger medical coverage, comprehensive coverage, collision coverage, and roadside assistance to totally cover your motorcycle.

How Much Motorcycle Insurance Coverage Do I Need?

In Texas, when it comes to insurance, titling, and registration, motorcycles are considered the same as cars. Thus, the minimum liability limits are also the same. The minimum liability for each injured person is $30,000, per accident minimum coverage is $60,000, and the property damage coverage per accident is $25,000. This kind of basic coverage is popularly called the 30/60/25 coverage.

Other Motorcycle Insurance Coverage You May Consider

Different people have different needs when it comes to motorcycle insurance. Some riders only want the bare minimum coverage required by law, while others want more comprehensive protection. If you’re looking for additional coverage options beyond what your state requires, here are a few things to consider..

Comprehensive Coverage

This will cover any damages done to your motorcycle that are not caused by a collision. These damages can include weather damage, theft, and vandalism.

Collision Coverage

This will cover any damages done to your motorcycle that are caused by a collision. This kind of coverage is usually required if you have a loan or lease on your motorcycle.

Medical Payments Coverage

This will cover any medical expenses for you or your passengers if you’re in an accident. It can also cover funeral costs.

Guest Passenger Medical Coverage

This will cover any medical expenses for a guest passenger on your motorcycle if they’re in an accident.

Roadside Assistance Coverage

This will cover the cost of having your motorcycle towed if it breaks down. It can also cover the cost of flat tires and other labor costs associated with getting your motorcycle back on the road.

What Coverage Should You Get Aside from the Basic?

If you have a loan on your motorcycle, the lender will require you to buy collision and comprehensive coverage. If you lease your motorcycle, the leasing company will also likely require these coverages. Both collision and comprehensive insurance pay to repair or replace your motorcycle if it’s stolen or damaged in an incident that’s not a collision, such as by fire, vandalism, or weather.

To get an idea of how much coverage is right for you, consider what it would cost to replace your motorcycle. Newer motorcycles can cost $15,000 or more, so you may want to consider getting coverage that would pay for a new one if yours is totally damaged. If you have an older motorcycle, you may only need enough coverage to cover the loan or lease payoff, minus your deductible.

You should also consider how much it would cost to repair your motorcycle if it’s damaged in a collision. If it would cost more to repair than it’s worth, or if it would take so long to repair that you’d be without transportation for an extended period of time, then you may want to get comprehensive coverage and collision coverage with high limits and low deductibles.

How Much Does Motorcycle Insurance Cost in Texas?

The cost of motorcycle insurance in Texas varies depending on a number of factors. This includes the make and model of your motorcycle, your driving record, where you live, and the amount of coverage you want.

For example, a newer motorcycle is going to be more expensive to insure than an older one. A motorcycle that’s used for pleasure riding is going to be less expensive to insure than one that’s used for commuting or business purposes. And a rider with a clean driving record is going to pay less for insurance than one with accidents or traffic violations on their record.

To get an idea of how much motorcycle insurance might cost you, get quotes from several different insurers. Be sure to compare the same amount of coverage so you’re getting an apples-to-apples comparison. And don’t be afraid to negotiate with the insurer for a better rate.

The Bottom Line

Motorcycle insurance is required in Texas if you want to ride legally on public roads. The minimum amount of coverage you’ll need is $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident. However, you may want to consider additional coverage options depending on your needs.

The cost of motorcycle insurance in Texas varies depending on factors like the make and model of your motorcycle, your driving record, and where you live. You can get quotes from several different insurers to find the best rate for you. At Lopez Auto Insurance, our professional insurance agents can help you find the best rate for the appropriate coverage for your motorcycle.

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