Liability
The Texas 30/60/25 minimum, and good reason to carry more.
Personal Insurance
Motorcycle insurance for Texas riders.
Texas requires the same liability minimums as a car. What a bike needs beyond that is quite different.
Motorcycle insurance carries the same 30/60/25 Texas liability minimum as an automobile, but the exposures diverge sharply from there. Injury severity is higher, custom parts are common and rarely covered by default, and gear represents real money that a standard policy ignores.
Custom parts, gear and uninsured motorist
Aftermarket exhausts, seats, paint and accessories are usually covered only up to a small default limit, often a token amount. If you have invested in the bike, that limit needs raising deliberately.
Uninsured and underinsured motorist cover matters more on a motorcycle than almost anywhere else. Injury costs in a bike collision escalate quickly, and the at-fault driver's minimum limits rarely go far.
What it covers
The parts of a motorcycle insurance policy
Physical damage
Collision and comprehensive on the bike, including theft.
Custom parts and gear
Accessories, aftermarket parts and riding gear above the token default limit.
Uninsured motorist
Particularly important given injury severity in motorcycle collisions.
Working with us
What we do differently
We are an independent agency, so we place your motorcycle insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Raise the custom parts limit if the bike has aftermarket work
- Carry meaningful UM/UIM — minimum limits do not cover a serious bike injury
- Ask about lay-up rates if the bike is stored through winter
Common questions
Motorcycle Insurance, answered
What does Texas require for a motorcycle?
The same 30/60/25 liability minimum as a car — $30,000 bodily injury per person, $60,000 per accident, $25,000 property damage. Given injury severity on a bike, most riders should carry more.
Are my custom parts covered?
Usually only to a small default limit. If you have spent money on exhausts, paint or accessories, the limit needs raising specifically or most of that value is uninsured.
Is my riding gear covered?
Sometimes, under accessories or a separate gear limit, and often not by default. Worth asking about if you have invested in a helmet, leathers and armour.
Related cover
Often arranged alongside this
ATV Insurance
A homeowners policy may cover an ATV on your own land. It usually stops the moment you take it anywhere else.
Read moreAuto Insurance
Texas requires every driver to carry liability cover. We help you work out what you need beyond the minimum, then put it in front of several carriers at once.
Read moreRV Insurance
An RV is a vehicle when it is moving and a home when it is parked. The policy has to handle both.
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