How Much Is Motorcycle Insurance in Texas?

By Sabrina Scherzer · More articles

Texas · The car policy does not cover the bike you own

There is no Texas motorcycle price. The bike needs its own liability.

A personal auto policy does not cover a motorcycle you own. On a public road the bike still has to meet Texas financial responsibility, the same 30/60/25 floor as a car: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. That pays other people. It does not repair the bike or replace your gear. What you pay is a quote for the VIN, the ZIP, the limits, and the riding record. This page will not invent a statewide average.

Collision and comprehensive are optional, and they are not the same deductible. Collision pays crash damage to the motorcycle after the collision deductible. Comprehensive pays theft, hail, vandalism, and many animal strikes, after its own deductible. A lender usually requires both until the loan is done. A total loss is usually actual cash value, not what you still owe, unless a stated-amount or gap endorsement says otherwise. Helmets, leathers, and luggage are often outside the bike’s physical-damage limit, or inside a small special limit. Read that line. Passenger injury is a liability claim against you if you are at fault. It is not comprehensive.

Laying the bike up for winter does not make a lapse a good idea if you still want theft and hail covered. Keep comprehensive in force, and ask whether liability can drop only while it is not being ridden. The cold-weather version: winter hazards. Whether it is “expensive” is a different question from the average nobody can honestly quote: is motorcycle insurance expensive in Texas. The product: motorcycle insurance. The regulator: TDI.

Quote the motorcycle on its own policy, with liability at least at the floor and physical damage only if you can describe the deductible in dollars. Ask an agent or get a quote.

Sources and further reading

  1. TDI — Automobile insurance in Texas
  2. Freedom — Motorcycle insurance
  3. Freedom — Motorcycle winter hazards

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