The number of registered motorcycles in the state of Texas is increasing at a significant rate. In fact, it more than doubled from 180,345 in 2000 to 419,722 in 2010. While the state’s Department of Public Safety reports a declining number of severe traffic accidents in the state in general, a U.S. Governor’s Study reports no decline in the number of motorcycle accidents.
One of the best ways to prepare for an incident on the road is with quality motorcycle insurance. An independent agent in the Trusted Choice® network will learn about your coverage requirements and provide you with a number of free Texas motorcycle insurance quotes. Contact a member agent today to find out how to get the right coverage for your needs.
Costs of Texas Motorcycle Insurance
- Liability insurance cost estimates for an adult with a good driving record: $200 - $400
- Full coverage cost estimate for an adult with a good driving record: $400 - $800
As with any other type of insurance, coverage and cost vary quite a bit based upon individual situations. Two different riders with the exact same coverage on the exact same motorcycle will have differing premium expenses for a number of reasons. Generally, the cost you pay for insurance has to do with where you live, how often you use your motorcycle, and your driving record. For example, Houstonians who use their motorcycles to commute up and down I-45 every day may expect higher rates than casual riders in in smaller towns like Paris.
To determine how much your policy will cost, ask for competitive insurance quotes from a local agent in the Trusted Choice network. A member agent can supply these quickly and without charge. In general, these are the factors that will affect your motorcycle policy premiums:
- Your age and driving history
- Where you live and travel
- How often you ride
- The make and model of your motorcycle
- After-market additions
Texas Motorcycle Insurance Needs
Consider some of these facts about state motorcycle insurance coverage for different types of owners and riders. This is mainly geared toward people with street-legal bikes intended for use on public roadways.
- The state requires each motorcycle owner to purchase the minimum required liability insurance.
- State laws require licensed riders to pass a Department of Public Safety course. The course is mandatory, and can also help lower insurance costs. DPS even provides motorcycles and helmets for students to take the basic course. They also offer an advanced safety class where students provide their own bikes and helmets.
- Motorcycle financing lenders may require their customers to purchase comprehensive and collision insurance. Other motorcycle owners without loans may choose to purchase additional coverage to reduce their risks and protect their financial futures.
Some insurers may provide other policy options to choose from besides the basics. Examples include rental vehicle coverage and roadside assistance.
Some motorcycles are never used on public roads, such as sport bikes and dirt bikes. They will have different licensing and coverage requirements.
Owners of mopeds and choppers may expect to have different coverage needs and rate quotes than owners of touring bikes. Mopeds are limited by speed, a strong factor in determining Texas motorcycle insurance pricing. Some insurers may consider choppers higher risk vehicles, since the modifications can be expensive and can alter driving behavior.
A Trusted Choice member agent can advise you about the right coverage for your specific needs. It is always best to consult with a local agent before you decide to buy a motorcycle. You may also want to consult with an agent if you already own an insured motorcycle to make sure your current policy is still adequate and competitively priced.
Compare Texas Motorcycle Insurance Quotes
How much will good Texas motorcycle insurance cost? The simplest way to compare rates and plans is to contact a local agent in the Trusted Choice network. These professionals have experience with coverage options and can search for an insurer with competitive prices. Anyone who is concerned about current coverage or is just looking to save money should contact a member agent today.