Weekend and Hill Country Riders
Bikes that come out on good weather weekends for rides through the Hill Country.
Motorcycle Insurance in Texas
Coverage for cruisers, sport bikes, touring bikes and scooters, with the Texas minimums explained and the options above them laid out before you buy.
Who It's For
Daily Commuters
Riders who use a motorcycle to get to work and back across San Antonio.
Custom and Touring Bikes
Bikes with aftermarket exhaust, seats, paint, saddlebags or audio that a basic policy may not fully cover.
Moped and Scooter Riders
Mopeds and motor driven cycles need the same liability coverage as motorcycles in Texas.
What It Covers
Liability
Injury and property damage you cause to others. Texas requires at least 30/60/25, the same as a car.
Collision
Damage to your bike from a crash with another vehicle or object.
Theft, Fire and Storm Damage
Physical damage other than collision, including theft, hail, fire, vandalism and hitting an animal.
Uninsured and Underinsured Motorist
Pays for your injuries and, with the property damage part, your bike when the at fault driver has no insurance or not enough.
Personal Injury Protection
Medical bills and lost income for you and your passenger, regardless of fault.
Custom Parts and Gear
Aftermarket parts, accessories and riding gear such as helmets and jackets, up to the limit on the policy.
Texas and San Antonio Details
Texas treats motorcycles the same as cars for registration, titling and insurance. Every rider has to show financial responsibility, usually with a liability policy of at least $30,000 per injured person, $60,000 per accident and $25,000 for property damage, written as 30/60/25. Mopeds and motor driven cycles need the same coverage. Dirt bikes and ATVs that are not allowed on public roads are not required to carry it.
When you buy a policy, the insurance company must offer uninsured and underinsured motorist coverage and personal injury protection, and turning them down has to be in writing. A rider has much less protection in a crash than someone inside a car, so we go over both before you decide.
Texas helmet law requires riders and passengers under 21 to wear a helmet that meets state standards. Riders 21 and older may ride without one if they completed an approved motorcycle operator training course or have health insurance that covers injuries from a motorcycle crash, and an officer may not stop a rider just to check. A helmet choice does not change what your liability coverage has to be.
Common Questions
What Is the Minimum Motorcycle Insurance in Texas?
Liability of $30,000 per injured person, $60,000 per accident and $25,000 for property damage, the same 30/60/25 as a car. The insurance company must also offer uninsured motorist coverage and personal injury protection, and turning them down has to be in writing.
Does Texas Require a Motorcycle Helmet?
Riders and passengers under 21 must wear one. Riders 21 and older may go without if they completed an approved motorcycle operator training course or have health insurance that covers motorcycle crash injuries.
Does My Auto Policy Cover My Motorcycle?
Usually not. A motorcycle typically needs its own policy, which can be quoted alongside your auto. As an independent agency, we can request quotes from more than one insurance company.
Are Custom Parts Covered?
Many policies include a set amount for aftermarket parts and accessories, and you can often buy more. Keep receipts and photos of upgrades and tell us about them when we quote.
Can I Drop Coverage in the Winter?
Texas asks for proof of liability insurance to register a motorcycle, and riding without it breaks the state's financial responsibility law. Some insurance companies let you reduce coverage while a bike is stored, so ask us before you cancel anything.
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