TEXAS ATV & MOTORCYCLE INSURANCE
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Texas Motorcycle Insurance Coverage Options
Cheap Texas Motorcycle Insurance Coverage
Bodily Injury and Property Damage Liability for Texas motorcycle insurance covers your legal liability for a covered accident that results in injury to other people or in damage to someone's property, up to the limit of liability per policy.
Because motorcycles are treated the same as passenger cars in Texas for insurance purposes, the minimum requirements for motorcycle insurance limits are 30/60/25 in Texas. This means motorcycle riders and those travelers who want to drive in Texas legally, must have liability coverage in at least the following amounts:
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$30,000 for bodily injury coverage for one person in an accident
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$60,000 for bodily injury coverage total per incident
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$25,000 for property damage coverage per each accident
Bodily Injury
& Property
Damage
Liability
Covers
All motorcycles and their riders in the state of Texas are required to show proof of financial responsibility for any accidents they may cause or if they are asked by authorized state agents such as a police officer. This means motorcycle riders in Texas must carry at least a Texas minimum liability motorcycle insurance.
Motorcycles and their insurance requirements are a bit different than passenger cars in Texas. Although majority of drivers in the state are required to prove their financial responsibility by purchasing an auto liability policy, motorcycle riders and owners can use the following alternatives accepted by the state as proof of financial responsibility.
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A vehicle liability insurance policy through a state-licensed insurance provider.
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A surety bond that includes two people, both of whom own real property in Texas on file with your county clerk.
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A cash or securities deposit of $55,000 made to your county comptroller.
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A cash or cashier’s check deposit of $55,000 made to your county judge.
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A certification of self-insurance through the Texas Department of Transportation (TxDOT). This option is typically only available to dealers, as it is only open to those who own more than 25 vehicles.
If you are looking to save on Texas motorcycle insurance policies, Select Love Insurance Agency's online quote form can do just that in just a few minutes and provide you with multiple motorcycle insurance rate quotes from various Texas insurance providers. One of our agents will personally handle each and every Texas motorcycle insurance quote rate request, thus, the information you receive using our online auto insurance quote form is far more accurate than just some preliminary and inaccurate quote rate calculator available on most other auto insurance quote or comparison websites. With us, you only have to fill out the short Texas motorcycle insurance form once, and get the most accurate and lowest bike insurance rates available in Texas market from vetted and reputable Texas auto insurers.
Texas Motorcycle Insurance: Get A Fast, Free Online Quote!
Texas Motorcycle Insurance: Texas Financial Responsibility Law & Motorcycles
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Texas defines a motorcycle very narrowly and specifically in its laws and regulations pertaining to motorcycle insurance. The following are vehicles considered of the same family but are treated differently for insurance purposes:
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A Motorcycle is a motorized vehicle with a saddle for at least one rider and operating on a maximum of three wheels. This excludes tractors. Under Texas law and with this definition, motorcycles are considered the same as passenger vehicles for insurance purposes.
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A Moped is defined as a motorized cycle that can not operate faster than 30 mph, produces less than 2 hp, and offers less than 50 cc displacement.
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A Motor-driven cycle is any motorcycle with an engine displacement of less than 250 cc.
Texas Motorcycle Insurance: What Is Exactly A Motorcycle, Legally?
Texas helmet requirements are not affected by how much Texas auto or motorcycle insurance you have. However, they are somewhat affected by your health insurance policy at the moment. The bottom line is, if you ride a motorcycle (as driver or passenger) in the state of Texas, you must wear a helmet according to the state law, unless:
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You are 21 years of age or older, AND
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You have done at least one of the following:
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Completed an authorized motorcycle training and safety course, OR
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Your health insurance covers at least $10,000 of any potential injuries you might get while not wearing a helmet and riding a motorcycle in Texas.
How Texas Motorcycle Insurance Coverage Affects Helmet Requirements
Texas reserves the right to suspend your driver’s license and vehicle registration when your Texas motorcycle insurance lapses regardless of reason or excuse.
Once you receive a state suspension notice, you must decide within 20 days whether you're going to appeal, which could temporarily stop suspension procedures until the matter is resolved legally. You can contact TxDOT about your decision to appeal by reaching to them at the address or phone number printed on your suspension notice.
If your license and registration are suspended a second time for lack of motorcycle insurance in Texas, your vehicle will be impounded for 180 days. Furthermore, state of Texas will impose a $15 daily fee for each day of your vehicle impoundment.
Such suspensions can be lifted if you:
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Provide proof of current motorcycle insurance liability coverage
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Pay state reinstatement fees from $175 to $350
Failure to Maintain Financial Responsibility in Texas: Penalties Under The Law
How Texas Motorcycle Insurance Treats Motorcycles 25 Years and Older?
Many Texans enjoy their vintage and classic or even collectible motorcycles which allow them to preserve the past and enjoy the classic rides from the time of their glory. For these 25 years old or older bikes, Agreed Value coverage is the insurance to choose in Texas
Agreed Value - In Texas and for motorcycle insurance, the agreed value option means the lower of the following will be used to settle a total loss:
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The amount necessary to repair or replace the stolen or damaged property to its pre-loss condition, reduced by the applicable deductible.
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The agreed value written on your policy’s Declarations page, after its salvage value is deducted, if you retain
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ownership of the motorcycle. No deductible applies in the event of a total loss with this coverage.
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The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application and includes the market value of all custom parts and equipment added. The agreed value should be updated on your policy if you make any changes to your motorcycle.
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The agreed value settlement option must apply to the following:
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Motorcycles whose manufacturers are listed, but have no resale values listed in the NADA Appraisal Guide.
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Motorcycles 25 years old and older.
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Texas Motorcycle Comprehensive and Collision coverage is available on most motorcycles as well as on all ATVs.
Motorcycles less than 25 years old whose manufacturers are listed in NADA, but whose resale values are not listed are eligible for up to $50,000 in Agreed Value coverage and CPE coverage. Itemized receipts, in addition to an underwriting inspection are required for this coverage to apply.
Motorcycles that are not eligible for Comprehensive and Collision coverage include the following types of bikes:
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State-assigned VIN
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Rebuilt or retitled bikes
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Kit/homemade, non-factory built or composite
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Manufacturer not listed in NADA Appraisal Guide
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Original frame has been replaced
Comprehensive
& Collision
Coverage
Loss Settlement Options
When using a Select Love Insurance Texas Motorcycle policy, and for motorcycles and ATVs with a resale value listed in the NADA Appraisal Guide, any motorcycle/ATV total losses are settled using one of the following two methods:
Actual Cash Value (ACV)
For motorcycles, the actual cash value (ACV) option means the lower of the following will be used to settle your total loss claim:
The total amount covering all necessary repairs, or replacement of a stolen or damaged motorcycle to its pre-loss condition, reduced by the applicable deductibles.
The ACV of the motorcycle at the time of loss, after all applicable deductibles, and by bike’s salvage value if the insured chooses to retain ownership of the motorcycle.
Agreed Value
In Texas and for motorcycle insurance, the agreed value option means the lower of the following will be used to settle a total loss:
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The amount necessary to repair or replace the stolen or damaged property to its pre-loss condition, reduced by the applicable deductible.
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The agreed value written on your policy’s Declarations page, after its salvage value is deducted, if you retain ownership of the motorcycle. No deductible applies in the event of a total loss with this coverage.
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The agreed value, which you provide and the insurance company confirms, is the market value of the motorcycle at the time of application and includes the market value of all custom parts and equipment added. The agreed value should be updated on your policy if you make any changes to your motorcycle.
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The agreed value settlement option must apply to the following:
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Motorcycles whose manufacturers are listed, but have no resale values listed in the NADA Appraisal Guide.
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Motorcycles 25 years old and older.
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If you are hit by someone who doesn't have insurance, or doesn't have enough insurance, Texas motorcycle insurance Uninsured/Underinsured Motorist will cover your damages.
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Uninsured Motorist Bodily Injury pays for damages when a covered person is injured, if the person at fault for the accident does not have liability insurance.
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Underinsured Motorist Bodily Injury covers your damages when a covered person is injured and the person at fault for the wreck does not have enough motorcycle liability insurance.
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Uninsured/Underinsured Motorist Property Damage pays for your damages when a covered vehicle is damaged, and the person at fault for the accident does not have enough liability insurance or does not have liability insurance at all.
Uninsured
& Underinsured
Rider Coverage
These Coverages Typically Include:
Medical Payments (MedPay) coverage of Texas motorcycle insurance pays for the cost of necessary medical care and treatments you receive after a motorcycle accident and can be used regardless of who is at fault.
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MedPay is often limited to medical treatment received within the first three years after such a motorcycle accident and is limited to a specific dollar amount set forth in your policy. MedPay may sometimes only apply after other medical insurance is exhausted.
Medical
Payments
MedPay
Coverage
At least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included when you purchase Comprehensive or Collision coverage for your motorcycle in Texas.
Additional CPE coverage can be purchased to cover your equipment, up to $30,000 in value.CPE covers devices, equipment, enhancements, accessories, and any after market changes that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to:
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Sidecars attached to the insured cycle
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Safety riding accessories and apparel including but not limited to helmets (Excluding theft).
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Mower blades, plow blades or winches
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Any electronic antennas, equipment, or other devices used exclusively to send or receive visual, audio, or data signals, or to play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets.
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Custom paint jobs, custom plating, or custom exhausts
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Trike conversion kits
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Motorcycle Trailers specifically designed to be pulled behind a motorcycle or off-road vehicle (only when attached to the insured cycle)
Our agents recommended you safely retain duplicate copies of all receipts, as well as photos of the motorcycle and your custom parts and equipment.
Custom
Parts,
Equipment,
& Accessory
Coverage
These Coverages Typically Include:
Roadside Assistance coverage offers coverage for towing to the nearest qualified repair facility and pays for all necessary labor costs at the place of breakdown
Roadside Assistance helps out when your motorcycle or off-road vehicle is disabled due to any of the following reasons:
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Mechanical or electrical breakdown
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Dead motorcycle battery
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Motorcycle flat tire
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Lost or stolen keys
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Ran out of gas, insufficient supply of fuel, oil, water or other fluids
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Entrapment in snow, mud, water or sand within 100 feet of a roadway.
This coverage extends to any trailers being towed by a motorcycle. Texas motorcycle Roadside Assistance coverage is available 24/7 and can be purchased for less than $1 a month
Roadside
Assistance
Coverage
At least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included when you purchase Comprehensive or Collision coverage for your motorcycle in Texas.
Additional CPE coverage can be purchased to cover your equipment, up to $30,000 in value.CPE covers devices, equipment, enhancements, accessories, and any after market changes that alter the appearance or performance of a motorcycle or off-road vehicle. This includes, but is not limited to:
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Sidecars attached to the insured cycle
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Safety riding accessories and apparel including but not limited to helmets (Excluding theft).
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Mower blades, plow blades or winches
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Any electronic antennas, equipment, or other devices used exclusively to send or receive visual, audio, or data signals, or to play back recorded media, other than those that the manufacturer originally installs, that are permanently installed on the motorcycle or off-road vehicle using bolts or brackets, including slide-out brackets.
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Custom paint jobs, custom plating, or custom exhausts
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Trike conversion kits
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Motorcycle Trailers specifically designed to be pulled behind a motorcycle or off-road vehicle (only when attached to the insured cycle)
Our agents recommended you safely retain duplicate copies of all receipts, as well as photos of the motorcycle and your custom parts and equipment.
Custom
Parts,
Equipment,
& Accessory
Coverage
These Coverages Typically Include:
TX Motorcycle Insurance: Which Types of Bikes Are Covered?
Cruiser Motorcycle Insurance
A Cruiser bike usually has a V-twin, full view engine, swept-back, often with high handlebars. It often has forward-set foot pegs and a stepped seat for two. Some more well known cruisers include Harley-Davidson FX models, Honda Shadow, and Yamaha V-Star bikes.
All Terrain Vehicle (ATV) Insurance
An ATV or All Terrain Vehicle is a Three-, four- or six-wheeled personal vehicle equipped with an engine and with a completely open air seating, a handlebar-type steering mechanism, and is designed specifically for off-road use. Top models are Honda Rancher, Suzuki Vinson 500, and Polaris Sportsman.
We know you love your all-terrain vehicle, or ATV, whether you're a rancher, hunter, or trail rider. We also know that you want to be covered if your ATV is stolen or badly damaged, and proper ATV insurance coverage can help protect your investment.
Dual Purpose / Enduro Bike Insurance
An Enduro Bike is an off-road type of motorcycle, equipped with lights and mirrors, designed specifically to be ridden on unpaved and off-road terrain, however, is also approved for highway use. Well established models include Honda XR Series, Kawasaki KLX Series, and Yamaha WR Series.
Limited Production Cruiser Insurance
Limited Production Cruisers are quite similar to those in the Cruiser category, however, they are designed and built by small manufacturers on a limited basis. Many are hand-built, custom built, built to order, and are often highly customized. Examples of these bikes include Titan Gecko and American Ironhorse Bandit. We offer Physical Damage coverage on most Limited Production Cruisers.
Moped Insurance
A Moped is a lightweight motorized bike that is equipped with manual pedals, and can be driven by a low-powered gasoline engine.
Motocross & Dirt Bike Insurance
A Motocross is a lightweight, off-road motorcycle equipped with rugged tires, high ground clearance and an enhanced suspension, designed for riding on unpaved and rough terrain. These bikes are NOT street legal and cannot be used on highways. Examples include Honda CR and CRF Series, Suzuki RM Series, as well as KTM SX and M/XC Series.
Basic Motorcycle Insurance
A regular or basic motorcycle is one that usually features upright seating for one or two riders. Some examples include Norton Roadster, Honda CB550, and BMW K100. Regular bikes are catchall category for all motorcycles that do not fall into the other classes.
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Scooter Insurance
A scooter is a two-wheeled vehicle with small wheels, and a low-powered gasoline or electric engine geared to the rear wheel. Famous models include Honda Reflex, Yamaha Razz, and most of all, the good old Vespa.
Sport Touring Bike Insurance
A Sport Touring incorporates the sporty/aerodynamic styling of a sport bike, with long distance touring features and comfort. Top examples include BMW R1100RT, Moto Guzzi 1000s, and Triumph Trophy.
Touring Bike Insurance
A Touring motorcycle uses large fairings, and offers luxuries such as luggage compartments, and sophisticated entertainment and radio systems to increase rider comfort and load capacity. Major Touring bikes are Honda Goldwing, Yamaha Royal Star, and Kawasaki Voyager.
Trike Insurance
A trike is any motorcycle with the rear tire and storage areas replaced by a manufactured assembly or a "conversion kit." We offer Physical Damage coverage is available on most trikes.
Street Sport Bike Insurance
A street sport bike is a sporty but less aerodynamic than High Performance bike. Famous examples include Buell Lightning, Honda VFR Interceptor, Kawasaki KZ1000, and Suzuki Bandit.