Motorcycle Insurance for Texas Riders
Protect your motorcycle with coverage designed around the way you ride. Lavon Insurance helps Texas riders compare motorcycle insurance options from multiple carriers for liability, physical damage, theft and other covered risks.
Whether you ride a cruiser, touring motorcycle, sport bike, standard, scooter or another street-legal motorcycle, the right policy can help protect both your bike and your financial interests.
Insurance Built for Your Motorcycle
Motorcycle insurance is similar to auto insurance in some ways, but a motorcycle has different risks, equipment and coverage considerations. A motorcycle policy can be structured to address liability to others as well as damage to your own motorcycle, depending on the coverages and limits selected.
Lavon Insurance is an independent insurance agency. Instead of limiting you to one insurance company, we can compare available options from multiple carriers and help you understand the differences.
Liability Protection
Helps protect you when you are legally responsible for bodily injury or property damage resulting from a covered motorcycle accident.
Physical Damage
Depending on the policy, collision and comprehensive coverage can help protect your motorcycle against covered damage or loss.
Additional Coverage Options
Depending on the insurer and policy, additional options may be available for medical expenses, uninsured or underinsured motorists, custom equipment and other motorcycle-specific exposures.
Do Motorcycles Need Insurance in Texas?
Yes. Texas requires motorcycle riders to demonstrate financial responsibility for accidents they may cause. When insurance is used to meet that requirement, the Texas Department of Insurance lists minimum liability limits of:
- $30,000 for each injured person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident
These limits are commonly referred to as 30/60/25 coverage. Minimum legal limits are not necessarily the same as the amount of coverage that makes sense for every rider.
See the Texas Department of Insurance motorcycle insurance guidance.
Why Consider More Than the Minimum?
Liability coverage is designed to help pay for covered damages you are legally responsible for. If a serious accident results in significant injuries or property damage, the minimum limits may not provide all the protection you would want.
Your motorcycle, riding habits, assets, financing arrangements and other circumstances can all affect how you structure your coverage.
Lavon Insurance can help you compare available limits and coverage options rather than simply selecting a one-size-fits-all policy.
What Can Motorcycle Insurance Cover?
Motorcycle insurance policies can include several different types of protection. Availability and terms vary by insurance company and policy.
Motorcycle Liability Insurance
Liability coverage can help pay covered bodily injury and property damage claims when you are legally responsible for an accident.
Collision Coverage
Collision coverage can help pay for covered damage to your motorcycle resulting from a collision, subject to the policy’s deductible and terms.
Comprehensive Coverage
Comprehensive coverage can help protect against covered losses that are not caused by a collision, such as theft, vandalism, fire or certain weather-related damage.
Uninsured & Underinsured Motorist
Depending on the policy, uninsured or underinsured motorist coverage may help when you are involved in an accident with a driver who has no insurance or insufficient insurance.
Medical Expense Coverage
Depending on the carrier and policy, medical-related coverage may be available to help with certain medical expenses resulting from a covered motorcycle accident.
Custom Parts & Equipment
If your motorcycle has aftermarket accessories, modifications or custom equipment, ask whether additional coverage is available for those items.
Coverage for Different Types of Motorcycles
Different motorcycles can have different insurance considerations. We can help you compare coverage based on the motorcycle you actually own and how you use it.
Cruiser Motorcycles
Insurance options for riders who enjoy classic, cruiser and V-twin-style motorcycles.
Touring Motorcycles
Coverage considerations for motorcycles used for longer trips and extended road travel.
Sport Bikes
Coverage for qualifying sport and performance-oriented motorcycles, subject to carrier eligibility and underwriting.
Standard Motorcycles
Insurance options for everyday street motorcycles and standard models.
Scooters & Similar Vehicles
Coverage may also be available for qualifying scooters and motor-driven cycles, depending on the insurance carrier.
Customized Motorcycles
If your bike includes aftermarket parts or modifications, ask about options for protecting custom parts and equipment.
Motorcycle Insurance vs. Auto Insurance
Motorcycle insurance and car insurance share some concepts, but a motorcycle policy is designed around the specific vehicle being insured. The coverage that makes sense can also vary based on how the motorcycle is used and what equipment it has.
| Coverage Consideration | Motorcycle | Why It Matters |
|---|---|---|
| Liability | Helps protect against covered bodily injury and property damage claims. | Texas requires financial responsibility for motorcycle operation on public roads. |
| Collision | May cover covered collision damage to the motorcycle. | Can be important when protecting the value of the motorcycle. |
| Comprehensive | May cover certain non-collision losses such as theft or vandalism. | Motorcycles can be exposed to theft and other non-collision losses. |
| Custom Equipment | May provide coverage for qualifying aftermarket equipment. | Important when a motorcycle has accessories or modifications. |
What Affects the Cost of Motorcycle Insurance?
Motorcycle insurance premiums can vary significantly from one rider and motorcycle to another. Insurance companies consider a variety of rating and underwriting factors.
Motorcycle
The year, make, model, engine size and characteristics of the motorcycle can affect eligibility and premium.
Riding History
Driving and claims history can be factors used by insurers when determining rates.
Coverage Limits
Higher liability limits and additional coverage generally affect the overall cost of a policy.
Deductibles
Comprehensive and collision deductibles can affect the premium and your potential out-of-pocket cost after a covered loss.
Usage
How and where the motorcycle is used can be relevant to the underwriting and rating of a policy.
Location
Your location can be one of the factors an insurance company considers when determining motorcycle insurance rates.
Compare Motorcycle Insurance Options With a Local Independent Agency
Finding motorcycle insurance is not just about finding a price. You also want to understand what the policy covers, what it excludes, what deductibles apply and how the coverage fits your motorcycle.
As an independent insurance agency, Lavon Insurance can compare available options from multiple insurance companies rather than representing only one carrier.
We serve riders throughout Texas and provide personal service when you have questions about your coverage.
Our Simple Process
- Tell us about your motorcycle and how you ride.
- We compare available insurance options.
- We explain the coverage and policy differences.
- You choose the coverage that fits your needs.
A Simple Way to Compare Motorcycle Insurance
Tell Us What You Ride
Give us the details about your motorcycle, how you use it and the coverage you are looking for.
We Compare Options
We look at available motorcycle insurance options from participating carriers.
You Choose Your Coverage
Review your options and choose the policy and coverage limits that fit your situation.
Protect More of What Matters
Motorcycle insurance is one part of a broader personal insurance plan. Depending on your situation, you may also want to review your home, auto, umbrella and recreational vehicle coverage.
Auto Insurance
Protect your cars, trucks and other qualifying personal vehicles.
Explore Auto InsuranceUmbrella Insurance
Explore additional personal liability protection above underlying policies when available and appropriate.
Explore Umbrella InsuranceBoat Insurance
Compare coverage for boats, watercraft and related recreational exposures.
Explore Boat InsuranceATV Insurance
Explore insurance options for qualifying ATVs and four-wheelers.
Explore ATV InsuranceHome Insurance
Protect your home and personal property with coverage designed for your individual needs.
Explore Home InsuranceMotorcycle Insurance for Riders Across Texas
Lavon Insurance serves customers in Lavon and communities throughout Texas. If you are looking for motorcycle insurance near you, our independent agency can help you compare available coverage options.
We work with customers in and around Lavon, Wylie, Murphy, Rockwall, Royse City, Rowlett, Sachse, Princeton, Farmersville, Greenville, Josephine and surrounding Texas communities.
Frequently Asked Questions About Motorcycle Insurance in Texas
Is motorcycle insurance required in Texas?
Yes. Texas requires motorcycle riders to demonstrate financial responsibility for accidents they may cause. When insurance is used to meet that requirement, the Texas Department of Insurance lists minimum liability limits of 30/60/25.
What is the minimum motorcycle insurance in Texas?
The Texas Department of Insurance lists $30,000 per injured person, $60,000 per accident for bodily injury and $25,000 for property damage as the minimum liability limits when insurance is used to establish financial responsibility.
Does motorcycle insurance cover theft?
Comprehensive coverage may provide protection for a covered theft, subject to the policy terms, exclusions and deductible.
Does motorcycle insurance cover damage to my motorcycle?
Depending on the policy, collision and comprehensive coverage may help pay for covered physical damage to your motorcycle.
Does motorcycle insurance cover custom parts?
Some policies and carriers offer coverage for custom parts, accessories or equipment. If your motorcycle has modifications, tell your insurance agent so the appropriate options can be reviewed.
Can I insure a cruiser or touring motorcycle?
Motorcycle insurance may be available for many types of motorcycles, including qualifying cruiser and touring models. Eligibility and coverage vary by insurance company.
Can I get insurance for a sport bike?
Coverage may be available for qualifying sport motorcycles. Eligibility, rates and available coverage can vary by carrier and motorcycle.
Is motorcycle insurance the same as car insurance?
Motorcycle insurance shares some basic concepts with auto insurance, but motorcycle policies are designed specifically for motorcycles and can include coverage considerations unique to motorcycles.
How much does motorcycle insurance cost in Texas?
There is no single price for motorcycle insurance. Premiums can depend on factors such as the motorcycle, rider, driving history, location, coverage limits, deductibles and other underwriting factors.
Can Lavon Insurance compare motorcycle insurance companies?
Lavon Insurance is an independent insurance agency that can compare available options from multiple insurance carriers. The companies and coverage options available depend on the individual risk and carrier eligibility.
Ready to Compare Motorcycle Insurance in Texas?
Tell Lavon Insurance about your motorcycle and the coverage you need. We’ll help you compare available options and understand your choices.
Get a Motorcycle Insurance QuoteInsurance coverage, limits, deductibles, exclusions, eligibility and availability vary by insurance company and policy. This page is for general informational purposes and does not change or replace the terms of an insurance policy. Contact Lavon Insurance for coverage information specific to your situation.