Click to Call Click to Text
Austinite Insurance Agency LLC

PO Box 722
Taylor, TX 76574

(By Appt) 700 Lavaca Street, Ste #1400
Austin, TX 78701

Get Directions

Motorcycle Insurance in Texas

Do you drive a motorcycle in Austin, TX or elsewhere in the state?

That’s great. While you’re making the most of long, open roads, you want to make sure that you and your bike are protected. Austinite Insurance Agency LLC is here to take care of you.

Texas Insurance Law

The Lone Star State is exceptional in many ways, but motorcycle insurance requirements are pretty standard. If you are going to drive a bike in Texas, here are your minimums:

  • $60,000 bodily injury coverage per accident.
  • $25,000 property damage coverage.
  • $30,000 bodily injury coverage per person.

Note the difference in bodily injury coverage per accident and person. Essentially, the law allows a policy to pay less when only one person is injured, and it sets absolute minimum limits for incidents that lead to multiple accidents. If your coverage meets these three minimums, it is good enough for the state.

Choosing Coverage

Minimum coverage doesn’t include anything to repair your bike if it gets damaged. That’s at the heart of why many people opt for more coverage. For a motorcycle, you want a policy that can cover the value of your bike, but motorcycle coverage can come with a few extra considerations that are unique to riders.

Many bikes have custom parts, and they are rarely covered by standard policies. If you put work into your bike, you’ll want to take extra care when selecting your coverage. By that same token, specialized equipment and accessory coverage are worth investigating. Lastly, some policies can include a little extra to protect a transport trailer for your bike. If you ever plan to tow it, this coverage could be important.

Drop by the Austinite Insurance Agency LLC's office in Austin, TX today, or give us a call. We would be thrilled to help you find the perfect insurance plan for your motorcycle.

Get a Motorcycle Insurance Quote

Why work with Austinite Insurance Agency?

Proudly Serving the Great State of Texas:

Our Partners
  • Aegis
  • Allied Trust
  • Dovetail
  • Encompass
  • Foremost
  • MetLife
  • Safeco
  • State Auto
  • Stillwater Property & Casualty
  • Travelers