Owning and riding a motorcycle is a thrilling experience that comes with responsibilities. The Lone Star state is no exception to this rule, so here’s everything you need to know about motorcycle insurance in Texas.
Motorcycle Insurance in Texas
Like most states, Texas requires motorcyclists to carry at least a minimum level of insurance.
According to Texas law, people who own a bike should have at least 30/60/25 coverage. This means having at least $30,000 of coverage for injuries per person, up to $60,000 per accident, and $25,000 for property damage per accident.
This rule also applies to mopeds, even though they are smaller and operate at lower speeds than regular motorcycles.
On the other hand, Texans are not required to insure other vehicles such as dirt bikes, all-terrain vehicles, and golf carts which are not permitted to operate on public roads.
Some Useful Tips
If you are a motorcyclist in Texas, keep in mind that the 30/60/25 coverage is only the minimum level of insurance you are required to carry.
Accidents can be costly, so it’s advisable to get a policy with higher limits. In determining how much insurance you need, different factors come into play, including:
- The type of bike you have.
- Whether you are leasing or financing your bike
- How often you ride
- Your accident and claim history
Also, remember that the minimum insurance levels required by Texas law only cover other people’s expenses. That’s why you should also consider other coverages such as collision and comprehensive coverage.
- Collision coverage. Helps pay to repair your bike if you are in an accident that involves a collision with another vehicle or an object such as a wall or a fence.
- Comprehensive coverage. Protects your motorbike if it’s damaged as a result of an accident other than a collision (for example, falling objects or vandalism).
Other coverages you can consider adding to your policy include coverage for customized motorcycle parts and uninsured/underinsured motorcycle coverage.
Looking for Motorcycle Insurance in Houston, Texas? BZ Bee Is Here to Help!
When it comes to motorcycle insurance in Houston, or anywhere else in Texas, BZ Bee Insurance Services is the way to go.
To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
