Motorcycle Insurance in Texas

If you have a motorcycle in the state of Texas, you must have proof of financial responsibility. This can be achieved in several manners such as obtaining a surety bond, making a deposit of $55,000 to the county controller or the county judge. Most people in Texas choose to secure motorcycle insurance instead and make small payments because, in the case of an accident, they may not be able to afford all of the repairs needed by these other options.

What are the Types of Motorcycles?

There are several different types of motorized vehicles that fit in the motorcycle category and they are all required to carry insurance. If you have a moped, a motor-driven cycle of any type, a scooter or a three-wheeled motorbike, then you will need to secure insurance. Any vehicle that is driven on Texas highways and state roads must be insured so that if they cause an auto collision they will be able to pay for damages and injuries.

What are the Minimum Requirements for Motorcycle Insurance?

The state minimum liability for motorcycles is $30,000 to cover bodily injuries or fatality of one person per each accident, $25,000 property coverage for each accident and $60,000 to cover bodily injuries or fatalities of two or more persons for each accident. These minimum insurance requirements are the same for your motorcycle as they are for your car in Texas.

You must also show proof of motorcycle insurance to register any motorcycle in the state of Texas. Your insurance agent at Alloy Insurance Partners LLC will issue an insurance card to use to register your motorcycle, to show proof of insurance in the case you are stopped by law enforcement and in the event of an accident.

Navigating insurance can be quite a task if it is the first time you are doing so. We are here to help at Alloy Insurance Partners LLC. Call or visit our knowledgeable and experienced staff can help you get the coverage you need to protect your assets.