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.
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This guide is part of our Vehicles hub – see every related guide, or start from the El Paso auto insurance overview.
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.