Do I Legally Need Motorcycle Insurance in Texas?

Riding a motorcycle is so much fun! It's growing even more popular, especially in the state of Texas. If you're leaving a car behind and switching to a motorcycle, you are not alone. While riding a bike feels different from driving a car, legally it comes with a lot of the same responsibilities. This includes the requirement to be insured. With that in mind, let's look at some frequently asked questions from motorcycle enthusiasts just like you.

Is motorcycle insurance required in Texas?

Yes, the state of Texas requires all motorcycle owners to purchase insurance for their bike. Motorcycle insurance in Texas is legally required, not just suggested or recommended or a good idea. The minimum amount of coverage required in Texas is $30,000 in injury coverage for each person in an accident, up to $60,000 for all injuries per accident, and $25,000 for property damage per accident.

Who is the best motorcycle insurance provider in Texas?

You're looking for a company that has received the highest ratings for overall satisfaction, policy offerings, and price. Who is this going to be for you? That depends. You see, the best motorcycle insurance provider depends on a number of personal factors, including the type of bike you own, your driving history, where you live, and your budget. You won't know without getting a motorcycle insurance quote in Texas.

How much should I expect to spend on motorcycle insurance in Texas?

On average, motorcycle insurance in Texas costs about $749 per year. This is a good number to start from. However, your premium is based on a number of factors that could increase or decrease from there. Are you a safe driver? Will you be bundling your motorcycle insurance for a multi car discount? On the other side of things, do you have a past DUI? Have you had a lapse in insurance coverage? Your motorcycle insurance costs depend on the answer to all of these questions.

How can I save money on my insurance premiums?

Motorcycle insurance in Texas can be expensive to those without a stellar driving record, but there are many ways to save money on your insurance premiums. As stated above, you can look into saving money by policy bundling, as well as paying your policy in full, being a member of a motorcycle group, taking an approved motorcycle safety course, installing safety features on your bike, and more. Most insurance providers have a full list of the discounts they offer on their website or can answer this inquiry over the phone. When you reach out for a quote, be sure to ask how you can keep your costs as low as possible without sacrificing the coverage you need.

The cheapest possible motorcycle insurance in Texas may not be the right choice for you. You'll be saving money initially, but a left or major accident could cost you big. Be sure to look into an affordable option that doesn't require you to sacrifice being covered in a major event.