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Motorcycle Insurance
Whether you’re cruising down a country road or navigating a major Texas highway, you’ll love the freedom and fun that comes with riding a motorcycle. With the right insurance, you can enjoy your trip without having to worry about anything.
What auto insurance is required in Texas?
If my friend borrows my car and gets in an accident, will my policy cover them?
What Is Motorcycle Insurance Covered For?
Your motorcycle will be protected in the event of an accident if you have the right insurance policy in place. Additionally, it can protect you from theft, vandalism, or other damage that may occur outside of a driving accident, such as another vehicle striking your bike while it’s in your driveway.
- ACCIDENT
- THEFT
- VANDALISM
- DAMAGE
Collision Insurance vs Comprehensive Insurance
Damage to your motorcycle as a result of an accident that you or someone else may have caused is covered by collision insurance. Accidents can include those involving other vehicles as well as those involving inanimate objects such as buildings or guardrails, as well as hit-and-run situations.
Comprehensive Insurance
is also referred to as “other than collision” insurance because it provides coverage for situations that are not covered by collision insurance. It is a supplemental insurance policy that protects you against events that are out of your control. Accidents involving animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism are just a few of the common occurrences that are covered here.
Combining comprehensive and collision coverages is referred to as “full coverage” when it is used in conjunction with collision insurance. While giving you the best chance of having all of your claims paid, you should be aware that most motorcycle policies still have exclusions that must be met.
How Much Does Motorcycle Insurance Cost in Texas?
For the majority of riders over the age of 25, annual costs typically range between $200 and $500. However, each individual is unique, and your premium will be determined by a variety of factors, including the following:
- Your age
- The history of your driving
- Your motorcycle’s make and model
- Desired coverage and deductible amounts
- Expected annual mileage
- Security of your motorcycle when stored or parked
| Coverage | Amount |
|---|---|
| Bodily Injury Coverage | $30,000 for each person injured in an accident |
| Total bodily injury coverage | $60,000 per accident |
| Property Damage Coverage | $25,000 per accident |
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