Texas requires motorcyclists to carry the same 30/60/25 minimum liability as cars. That math fails even faster on a motorcycle because injuries are typically more severe.
Coverages every rider should consider
- 100/300/100 liability or higher
- Uninsured motorist bodily injury at the same limits
- Medical payments (PIP isn't standard on motorcycles)
- Comprehensive and collision if the bike is worth $3,000+
- Custom parts and equipment for upgrades
Riding gear coverage
Most policies cover safety gear (helmet, jacket, gloves) damaged in a crash, often up to $1,000–$2,500. Confirm limits in writing.
Lay-down coverage
A single-bike accident with no other vehicle is a collision claim if you carry collision coverage. Without it, you pay out of pocket.
Frequently asked questions
Is motorcycle insurance required in Texas?
Yes, the same 30/60/25 liability minimum applies.
Does my auto insurance cover my motorcycle?
No, motorcycles need a separate policy.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.