Texas has a long riding season and plenty of open road. Compare motorcycle insurance options that fit your bike and how you ride.
Shopping for motorcycle insurance in Texas? Texas requires 30/60/25 liability on motor vehicles, and many riders choose more. A Blue Peak advisor can help you compare coverage that fits.
With warm weather most of the year, many Texas riders are on the road year-round. Your coverage should match.
A motorcycle policy can include several types of protection. Here are the main ones.
Liability can help pay for injuries and property damage you cause to others in a covered accident, including legal defense costs.
Collision can help repair or replace your motorcycle after a crash with another vehicle or object, minus your deductible.
Comprehensive can help with theft, vandalism, fire, hail, and animal strikes. Theft protection is especially important for motorcycles.
These coverages can help pay for your injuries if an uninsured driver hits you or after a covered accident.
A licensed Blue Peak advisor can review your options and help you request a quote.
Here are a few things Texas riders should review.
Texas requires at least 30/60/25 liability coverage. Higher limits can better protect your assets after a serious crash.
More time on the road can mean more exposure. Review your limits and deductibles for how often you ride.
Comprehensive coverage can help if your motorcycle is stolen.
Use these questions when you compare quotes or review your current policy:
The Texas Department of Insurance (TDI) licenses the insurers and agents that sell motorcycle insurance in Texas. If you have a question about a claim or a company, TDI's consumer services team can help, and you can confirm any agent's license on the Texas Department of Insurance website.
Texas has some of the most active weather in the country, with hailstorms across North Texas, hurricanes and tropical storms on the Gulf Coast, flash flooding in Houston and the Hill Country, and hard freezes like the February 2021 winter storm. Texas requires at least 30/60/25 liability coverage, and personal injury protection (PIP) is included in every policy unless you reject it in writing.
Blue Peak works with riders in Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso, as well as smaller towns across Texas. Our advisors compare options from multiple carriers and explain how Texas rules apply to your motorcycle insurance before you decide.
Texas requires at least 30/60/25 liability coverage on motor vehicles. An advisor can confirm your requirements.
Theft is usually covered under comprehensive coverage, if you carry it.
Common factors include your bike type, engine size, value, riding experience, driving record, ZIP code, coverage limits, and deductibles.
Usually not. Motorcycles typically need their own policy.
Not always. Low-cost policies may have lower limits or fewer coverages. Compare protection, not just price.
The right motorcycle policy protects your bike, your gear, and your savings. Reviewing coverage before riding season helps you ride with confidence.
Learn more about our motorcycle insurance options, or see our guide to personal insurance in Texas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Texas is regulated by the Texas Department of Insurance (TDI). Texas consumers can also get help from the Office of Public Insurance Counsel, which represents consumers on insurance matters.
Before you buy any policy, you can confirm that an agent or agency holds an active Texas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Texas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
