Texas Motorcycle Insurance

Nothing helps you appreciate the freedom of the open road quite like a motorcycle. And with over a half a million miles of paved roadways in Texas, there’s plenty of room to feel the wind at your back and the sun on your face. Nevertheless, even the most skilled rider needs quality motorcycle insurance to help reduce or eliminate out-of-pocket expenses associated with having an accident. If you’re considering putting a few miles on your motorcycle this year, take some time and review the basics of Texas motorcycle insurance so you can make an informed decision if and when you’re ready to buy.

Texas Requirements

Every state is different when it comes to required insurance coverage, but for Texans, it’s pretty clear. Motorcyclists in the state are required by law to carry proof of financial responsibility. That means if you are involved in an accident while on your bike, you need to prove you have the means to pay for any damage you cause. Under state law, the easiest way to do this is with a motorcycle insurance policy. The good news is that most companies selling automobile insurance are generally licensed to sell motorcycle insurance in Texas as well.

As with car insurance, Texas requires motorcyclists to carry a minimum amount of coverage. Currently, these levels are set at $30,000 bodily injury coverage per person, $60,000 bodily injury coverage per accident, and $25,000 property damage. Remember, these are not optimal levels, but the least amount required to operate a motorcycle legally in the state. 

Other Considerations

In Texas, if you’re 21 years or older, you’re not required to wear a helmet as long as one of the following two conditions is met- you have at least $10,000 in health insurance or you’ve completed a state authorized motorcycle operator’s training course.

Operating a motorcycle safely is often a challenging responsibility. Particularly in Texas, where there is a large number of uninsured motorists, it may be worth considering purchasing additional coverage above required limits. Uninsured or underinsured coverage protects you in the event you’re involved in an accident with a driver who is not carrying insurance. In addition, if you don’t have health insurance, you may want to consider obtaining medical coverage as part of your motorcycle insurance policy. Also called “personal injury protection” (PIP), the right medical coverage can save you thousands of dollars in out-of-pocket expenses.

Motorcycle insurance is required in the state of Texas and a responsible decision given the unpredictable nature of accidents. Whether you’ve been riding for decades or you’re about to begin your journey on your bike, a quality motorcycle insurance plan will protect you and your investment- and that’s something we can all smile about.


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