Motorcycle Insurance in Texas
Riding a motorcycle gives you an adventurous experience on the road, and your insurance should reflect that. The right coverage is about more than meeting Texas requirements. It is about protecting your bike, your finances, and yourself when something unexpected happens.
Protection Built for the Way You Ride Stuff.
Every rider and every motorcycle is different. How often you ride, the type of bike you own, its value, and the amount of protection you want can all affect the types of coverage that make sense for you.
Liability Coverage
Texas requires motorcycle riders to show financial responsibility for accidents they may cause by having minimum liability coverage. The minimum liability limits are $30,000 for each injured person, up to $60,000 per accident, and $25,000 for property damage per accident, commonly referred to as 30/60/25 coverage.
Liability coverage helps pay for injuries or property damage you cause to others, up to the limits of your policy. These minimum limits may not be enough to cover the full cost of a serious accident, which could leave you responsible for expenses beyond your policy limits.
Personal Injury Protection and Medical Coverage
Depending on your motorcycle, financing, and insurance carrier, you may also want to consider additional coverage options. Personal Injury Protection (PIP) can help cover certain medical expenses, lost income, and other eligible costs following an accident.
Other options may include coverage for custom equipment and accessories, as well as towing or roadside assistance.
If your motorcycle is financed, your lender may also require you to carry collision and comprehensive coverage to protect the bike against physical damage. Coverage options, limits, deductibles, and requirements can vary by policy and carrier.
Collision and Comprehensive Coverage
Liability insurance protects others, but it does not generally pay to repair your own motorcycle after an accident. It is also important to understand that liability coverage generally does not pay for damage to your own motorcycle or your own injuries.
Collision coverage can help pay for damage to your bike if you collide with another vehicle or object, depending on your policy deductible, coverage limits, exclusions, and other policy terms. If you want further coverage, you should consider comprehensive coverage which covers your motorbike from theft, vandalism or various weather-related damages, depending on your coverage limits, deductibles and policy terms.
Uninsured and Underinsured Motorist Protection
Not every driver on the road carries enough insurance. If you are involved in an accident with someone who has no insurance or not enough coverage, the financial impact can quickly become more complicated.
Uninsured and underinsured motorist coverage can provide additional protection in certain situations when the at fault driver does not have enough insurance to cover the loss. Coverage availability, limits, and terms can vary, so we can help you understand how this protection fits into your motorcycle policy.
Why work with Bickerstaff for Motorcycle Insurance
Motorcycle insurance should fit the way you actually use your bike and protect it, not simply check a box for the minimum required coverage.
We take the time to look at your motorcycle, riding habits, liability needs, and coverage preferences. As an independent agency, we compare options from multiple insurance carriers and help you find motorcycle insurance Texas riders can understand and feel confident carrying on the road.
He's been protecting this community his whole life. Now he does it for yours.
Meet Jeff Bickerstaff.
Jeff Bickerstaff is a licensed insurance agent in Texas with a Property and Casualty License and a Life Insurance, Health, and HMO License. Jeff is an experienced insurance professional who helps individuals, families, and businesses understand their risks, evaluate their coverage options, and protect what matters most.
Jeff Bickerstaff has spent decades showing up for this community as a neighbor, an elected leader, a storm spotter who keeps people safe, and now as the insurance agent who makes sure you’re protected before the unexpected happens. He didn’t choose insurance because it was convenient. He chose it because it was a natural extension of what he’s always done: take care of the people around him.
Ready for a clearer view of your insurance?
Whether you ride every week, take your motorcycle out on weekends, or are getting ready to insure a new bike, it is worth knowing exactly what protection you have before your next ride.
Let’s review your options and build coverage around your bike, your budget, and the way you ride.