Get Texas motorcycle insurance quotes, cost & coverage fast. Find affordable TX motorcycle coverage for your sport bike, cruiser, standard, touring bike, or custom ride.
TX Motorcycle Insurance
To ride a motorcycle on the roads in TX. you need to have Texas motorcycle insurance. That is the law - if you choose to ignore it you will be met with a list of legal violations. It's also common sense to have insurance because of the risks that motorcyclists face on the road.
Texas motorcycle insurance is available in different types of policies, each designed to fit different needs. The cost tends to vary based on factors such as the rider's record (your history with automobiles is considered here as well), the value of the motorcycle, and the place where the rider resides.
There are other things that can affect the premium for riders. For instance, if you have other vehicles covered by the insurer, the company may be willing to offer you a "multi-line" discount when you purchase an insurance policy for your motorcycle. You can reduce your insurance premiums by doing the following:
- Installing a quality alarm system on your motorcycle
- Parking your bike in a safe place
- Taking a motorcycle safety class
What Does Texas Motorcycle Insurance Cover?
While there are many optional coverages available, the main parts of a Texas motorcycle insurance policy are:
Liability: Liability insurance is used to cover damage caused by a rider to another vehicle, motorcycle, individual, or property when the accident is proven to be the rider's fault. This policy is regulated by state government law and is required to operate vehicles on paved roads in any part of the country. As a motorcycle owner and rider, your state has in place a few minimum coverage standards that you must meet in order to operate your bike.
Comprehensive and Collision: This coverage is meant for repair and replacement costs of your bike following an accident, without consideration as to who is at fault. The cost of comprehensive and collision coverage is largely influenced by the value of the motorcycle.
Instances of fire, vandalism, theft, and weather damage are covered by comprehensive coverage, while collision coverage is used to fund repairs or replacement when the bike is involved in a collision. When making any modifications to the bike, consider taking additional motorcycle insurance coverage.
Medical Coverage (PIP): In some states insurance companies are required by law to include medical coverage in all motorcycle insurance policies, although the specifics involved in this coverage vary widely. Medical coverage is meant to cover medical bills resulting from an accident regardless of fault, but the amount of money made available in this coverage is usually not very large, which necessitates having health insurance if someone is severely injured.
Underinsured and Uninsured Motorist: Underinsured and uninsured coverage is not typically mandated by law; however it's a cheap and often very smart way to protect a rider against unruly motorists and other riders who may not have sufficient coverage or any insurance coverage at all. Because it's cheaper than the other parts of your insurance policy, uninsured and underinsured motorist coverage is recommended by most road safety authorities.
What Texas Motorcycle Insurance Doesn't Cover
TX motorcycle insurance typically does not cover:
- Using your motorcycle as a delivery service or a taxi. So if you deliver packages, food, etc., or if you charge to take people places, you probably won't have coverage.
- Racing or stunts: If you participate in any kind of organized racing, your motorcycle insurance won't cover your bike.
- Intentional acts: If you intentionally run someone down and damage someone or something, your motorcycle insurance won't apply.
- Committing criminal acts: Even if you're not charged with or convicted of a crime, any injuries or damages resulting from criminal acts aren't covered by your motorcycle insurance.
How Much Does Texas Motorcycle Insurance Cost?
How much does motorcycle insurance cost? The average price of bike insurance varies widely based on certain factors. The premiums vary depending on the company and their underwriting rules, and it depends on the coverages and deductible selected. Following are some of the main factors that go into the price of a policy:
- Geographical location - The more dangerous your location is the higher premiums you will pay as there is a higher probability for claims. If you live in a highly populated urban area accidents and insurance claims happen more often and rate are higher.
- Age - Typically drivers under 25 pay more because statistically shown to be inexperienced behind the wheel, easily distracted and to crash more often. They are on of the riskiest category of drivers to insure.
- Gender - Data shows males are more likely to crash, hence men's premiums are higher.
- Marital status - Married people have been found to be less of a risk to insurers than singles, including divorced or widowed drivers.
- Years of driving experience - Inexperienced drivers pose more risk. That is why under 25 have some of the highest rates.
- Driving record - Drivers with a clean driving record qualify for better rates and can be eligible for a safe driver discount.
- Claims history - More claims = more premium. Insurers actually count frequency (how many claims in a time frame) more than severity (how large the claim was).
- Credit history - The better credit you have, the lower your rates. Most insurers look at credit and weight it heavily.
- Previous insurance coverage - Continual motorcycle insurance history (or at least for the last 6 months) can help get you a better rate.
- Vehicle type - Purchase price, theft rate, cost of repairs, accident rate and safety tests weigh heavily in motorcycle insurance cost.
- Vehicle use - A vehicle used to commute work poses more of a risk than the motorcycle you only take out of the garage on the weekends.
- Miles driven annually - The less you drive, the less risk you have of being in an accident.
- Coverages - The more coverage you choose with higher limits, the more it will cost you since the insurer is taking on additional risk.
- Deductibles - The deductible is your out of pocket cost before your policy kick in. Lower deductible = higher premium, and higher deductible = lower premium.
TX Motorcycle Insurance Quotes
Request a Texas Motorcycle Insurance quote in Abilene, Allen, Amarillo, Arlington, Austin, Baytown, Beaumont, Brownsville, Bryan, Carrollton, College Station, Corpus Christi, Dallas, Denton, Edinburg, El Paso, Flower Mound, Fort Worth, Frisco, Garland, Grand Prairie, Houston, Irving, Killeen, Laredo, League City, Lewisville, Longview, Lubbock, McAllen, McKinney, Mesquite, Midland, Mission, Missouri City, Odessa, Pasadena, Pearland, Pharr, Plano, Richardson, Round Rock, San Angelo, San Antonio, Sugar Land, Temple, The Woodlands, Texarkana, Tyler, Waco, Wichita Falls and all other cities in TX.
Texas Insurance Rules And Regulations
In Texas, there are certain regulations governing insurance that you should be aware of. We will be discussing some of the personal and business insurance types that are mandated by law, as well as insurance types that are not necessarily mandated by law but may be useful. For example, almost every business out there carries commercial liability insurance even though there is no law stipulating that general liability must be carried by a business in order to operate within the state. We'll be looking closely at the regulations and these types of insurance in TX.
Texas Business Insurance
When it comes to business insurance, there is one type of insurance that is most common above all others - general liability insurance. This is sometimes called commercial liability insurance, and it provides payments for those businesses that have legal trouble as the result of something happening on their premises. There are many different things that general liability covers, and since businesses do not have total control over what can happen on their property, most business carry it.
However, there are also certain types of business insurance that are required by law. However Texas is a lot less stringent when it comes to insurance than most of the states out there. In fact, the only type of insurance that you can apply to business that is regulated by law is the state-mandated insurance limits that are required for drivers. Most states require Workers Comp, and most of them also require commercial auto insurance for commercial vehicles. However, Texas does not have this requirement.
TX Personal Insurance
There are a couple of different types of insurance that will be discussing in this section. Many states require that commercial vehicles carry commercial auto insurance, but in Texas, it is simply required that all drivers carry $30,000 for bodily injury liability for a single person and $60,000 per accident as well as $25,000 for property damage. This is sufficient for both personal insurance and commercial insurance.
As for life insurance, they are regulated by certain state statutes in Texas and cover things like a 30 day grace period for payments and protection of death claim from bankruptcy. These are the only two types of life insurance regulations that are present within the state of Texas. Texas does not provide a free look mandate like many of the states out there.
If you are looking for state specific motorcycle insurance quotes, costs and information: California Motorcycle Insurance, Colorado Motorcycle Insurance, Delaware Motorcycle Insurance, Florida Motorcycle Insurance, Illinois Motorcycle Insurance, Kentucky Motorcycle Insurance, New Jersey Motorcycle Insurance, New York Motorcycle Insurance, Oregon Motorcycle Insurance, Pennsylvania Motorcycle Insurance, Texas Motorcycle Insurance, Washington Motorcycle Insurance.