Motorcycle Insurance

Protect Yourself and Your Ride with the Right Motorcycle Insurance

Riding a motorcycle gives you freedom on the open road, but it also exposes you to unique risks. Whether you ride your bike for daily commuting or weekend adventures, having the right motorcycle insurance helps protect your financial well-being in case of an accident, theft, or other covered loss.

At TIA-Texas Insurance Agency, we help Texas riders find affordable and reliable motorcycle insurance options so you can focus on the ride, not the risk.

What Is Motorcycle Insurance?

Motorcycle insurance is a type of auto insurance designed specifically for two- and three-wheeled vehicles. It helps cover you financially if you’re involved in a collision, if your bike is stolen or damaged, or if you injure someone else while riding.

TIA-Texas Insurance Agency works with multiple carriers to compare motorcycle policies that match your riding style, experience level, and budget.

What Does Motorcycle Insurance Cover?

Motorcycle insurance can include a range of coverages depending on the policy you choose:

Liability Coverage

Liability coverage helps pay for another person’s injuries or property damage if you are responsible for an accident. It’s required by Texas law.

Collision Coverage

Collision coverage helps pay for repairs to your motorcycle after an accident, regardless of who was at fault.

Comprehensive Coverage

Comprehensive coverage helps pay for non-collision losses such as theft, vandalism, fire, or damage from falling objects.

Uninsured/Underinsured Motorist Coverage

If you’re in an accident with a rider who has little or no insurance, this coverage helps protect you.

Medical Payments (MedPay)

Medical payments coverage helps with medical expenses for you and your passenger after a motorcycle accident, regardless of fault.

Accessory & Custom Parts Coverage

This optional coverage helps protect custom parts or upgraded equipment on your motorcycle that might not be covered under a standard policy.

Why Motorcycle Insurance Is Important in Texas

Texas riders face traffic congestion, unpredictable weather, and the possibility of uninsured motorists. Even a minor mishap can lead to costly repairs and medical bills.

Motorcycle insurance helps you:

• Comply with Texas legal requirements
• Protect your bike and personal finances
• Provide liability protection if you injure someone else
• Cover costs after theft or damage

With the right coverage, you can ride with confidence knowing you’re protected from financial loss.

Texas Motorcycle Insurance Minimum Requirements

To legally ride a motorcycle in Texas, you must carry minimum liability motorcycle insurance as required by state law. These minimum limits help cover injuries and property damage if you cause an accident.

Texas motorcycle insurance minimum requirements include:

• $30,000 bodily injury liability per person
  
• $60,000 bodily injury liability per accident
  
• $25,000 property damage liability per accident
  

While these limits meet Texas legal requirements, many riders choose higher coverage limits for better financial protection.

Proof of Motorcycle Insurance in Texas

Texas motorcycle riders are required to carry proof of insurance at all times. You may be asked to provide proof:

• During a traffic stop
  
• After a motorcycle accident
  
• When registering or inspecting your motorcycle
  

Proof of motorcycle insurance can be provided in digital or paper form, depending on your insurance provider.

Penalties for Riding Without Motorcycle Insurance

Riding a motorcycle without the required insurance in Texas can result in serious penalties, including:

• Fines and legal penalties
  
• Suspension of your driver’s license
  
• Motorcycle registration suspension
  
• Possible vehicle impoundment
  

Maintaining continuous motorcycle insurance coverage helps you stay compliant with Texas law and avoid unnecessary financial and legal issues.

Why Choose the Best for Motorcycle Insurance in Taxes?

Motorcycle insurance requires more than basic coverage; it should reflect your riding habits and risk exposure. Choosing the right insurance partner helps ensure you stay protected while keeping costs under control.

• Access to multiple insurance carriers
• Coverage options tailored to Texas riders
• Affordable plans that consider your riding style and risk level
• Experienced insurance professionals guiding you
• Ongoing support through policy changes and claims

As an independent insurance agency, TIA-Texas Insurance Agency compares options rather than pushing a single carrier solution.