Texas · The bike is its own motor vehicle
A motorcycle on a public road needs its own 30/60/25 liability. The car policy does not cover a bike you own.
Texas financial responsibility applies to motor vehicles, and a motorcycle is one of them. The floor is the same shape as a car: $30,000 per person and $60,000 per accident for bodily injury, and $25,000 for property damage. That pays other people. It does not repair the bike, replace a helmet, or pay your hospital bill. TexasSure checks that a registered vehicle is insured. A car policy in the household does not satisfy that check for a motorcycle titled in your name.
Cost without a fake average: what motorcycle insurance costs in Texas and why the price moves. The product page is motorcycle insurance. How the floor works on any vehicle: liability only and limits. Proof on a phone: electronic proof. Homeowners is a different question. The state does not require it the way it requires this liability: is home insurance required.
