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Enjoy the Freedom of the Open Road Without Worry

Whether you’re taking a weekend drive on a country road or making your way through a major Texas highway, you chose a motorcycle to enjoy the freedom and fun a bike provides. Making sure that you have the right insurance in place will let you make the most of your experience, worry-free.

What Does Motorcycle Insurance Protect?

The right motorcycle insurance policy will protect you and your motorcycle in the event of an accident. It can also protect you against theft, vandalism, or damage that could occur outside of a driving accident, like another vehicle hitting your bike while it’s parked.






Sport Bikes

Tour Bikes

Mopeds & Scooters

Dirt Bikes

What Is Liability Coverage for Motorcycle Insurance?
Liability coverage is required in nearly all states. Liability coverage can be divided into two limits:

Bodily Injury Coverage

This coverage will pay for injuries suffered by others for acci- dents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire acci- dent.

For example, let’s say that your limits are set to $50,000 per person and $100,000 total. If you cause an accident that injures three people, and person A’s medical bills are $25,000, person B’s are $40,000, and person C’s are $20,000, you’re covered as each falls below $50,000 and the total is $85,000, below the $100,000 limit.

Property Damage Coverage

This is the maximum amount that your policy will pay for damage to the property of others, either a vehicle or other property. Typical limits for this coverage range from $25,000 up to $100,000.

What Is Collision Insurance and What Does It Cover?

Collision Insurance protects your motorcycle from the damage caused by an accident that you or someone else may have caused. Accidents can include those that occur with other vehicles and those that involve inanimate objects, like buildings or guardrails, or a hit and run situation.

What Is Comprehensive Insurance and What Does It Cover?

Comprehensive Insurance is also referred to as “other than collision” as it covers scenarios not covered by collision. It is an optional coverage that protects you against things you cannot control. Some common items covered here include, accidents with animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism.

When combined with collision insurance, comprehensive and collision coverages commonly referred to as “full coverage.” While giving you the best chance of having all your claims paid, be aware that there are still exclusions on most motorcycle policies.

It’s important to talk to your motorcycle insurance agent to discuss any particular coverages you are considering.

What Is the Cost of Motorcycle Insurance in Texas?

For most riders over the age of 25, costs typically range from $200 – $500/year. Every person is different however, and your premium will depend on a variety of factors, including:

  • Your age
  • Your driving record
  • The type of motorcycle you ride
  • Coverage and deductible amounts desired
  • Expected annual mileage
  • Security of you motorcycle when stored/parked

What Are Ways to Save on Motorcycle Insurance?

There are several ways Texan Insurance can help you save on your motorcycle insurance. We work with multiple insurance companies that offer a variety of discounts such as:

Safety Course Instructor

Bundling with your home and auto policies

Clean Driving Record

Associations, such as Harley Owners Group or USAA member

Secured Garage

Pay in Full

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