texas motorcycle insurance
Learn about Texas motorcycle insurance here — from state-required coverages to discounts that could help you save big bucks, and more.
Texas motorcycle insurance basics
The vast area of Texas includes rolling plains, piney forests, and even 624 miles of shoreline highway along the Gulf of Mexico — all perfect for motorcycle rides. Brush up on Texas motorcycle insurance basics so that you can fully revel (and just plain rev) in everything this marvelous state has to offer.
Required motorcycle coverages: liability insurance
Texans are required to carry liability insurance. If you're ever at fault in an accident, liability insurance helps cover others' medical bills and damage to their property. You're required to carry at least the following:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per incident
- $25,000 of property damage liability per incident
You can always opt for higher coverage limits or additional coverages. Give us a call at 1-866-455-1980 if you want more guidance on Texas motorcycle coverage options and answers to any questions you may have.
Esurance motorcycle insurance quotes in Texas
Esurance is proud to offer online motorcycle insurance in Austin, Houston, and the rest of Texas. Whether you prefer cruising along the twisties in North Dallas or taking your sport bike through the turns of FM 279, we're right beside you (not literally, even though that sidecar is tempting!). With our easy policy management and award-winning service, you're in for a smooth ride.
Simple policy management
Esurance motorcycle insurance in Texas comes with a one-year policy term. You can easily manage your policy (and any Esurance policy) online or with one of our customer service reps. Plus you'll find convenient payments options:
- All up front (you could save up to 13 percent with the Paid-in-Full discount)
- 2 installments
- 4 installments
Riding mishaps come up, but your rates don't have to
Accidents happen. At Esurance, we don't want our Texas policyholders to fret every little mistake, which is why we won't increase your premium if you have a claim under $500.
Esurance motorcycle discounts
Riders who get a Texas motorcycle insurance quote online with Esurance may qualify for the following discounts.
- Homeowners discount
Save up to 22 percent on your motorcycle insurance just for being a homeowner. (That was easy!)
- Switch & Save® discount
Nab savings just for switching from another insurance company to Esurance within the past month.
- Safety Course discount
You qualify if you've completed a driver safety course (approved by your state) within the past 36 months.
- Recovery Device discount
Having a recovery system installed on your bike will keep thieves at bay, and qualify you for this sweet discount. Sounds like a win-win to us.
- Antilock Brakes discount
Start saving now if your bike comes with this common safety feature.
- Multi-Policy discount
Have an Esurance car insurance policy already? Get a motorcycle policy with Esurance, too, and save on both! Discount amount will vary.
- Responsible Driver discount
If you have at least 2 years of safe-driving experience, you can save between 23 and 33 percent.
Our Multi-Vehicle discount
One of our coolest motorcycle insurance perks is our Multi-Vehicle discount. You can save 15 to 35 percent on your premium just for covering more than one vehicle with Esurance.
Here are some of the other toys you can include on your Esurance motorcycle insurance policy when you get a free quote:
- ATVs and UTVs
- Golf carts
- Dirt and off-road bikes
- Limited production cruisers
- Enduros/dual-sport bikes
- Sport bikes
- Touring bikes
- Sport touring bikes
Optional motorcycle insurance coverages
Esurance motorcycle insurance offers a lot more than just basic liability. Riders can choose from a wide array of additional coverages for their Texas motorcycle policy.
Other vehicles aren't the only risks out on the open road. Comprehensive coverage protects you from things like theft, vandalism, glass damage, and more.
Towing and labor
We'll cover up to $100 if you need a tow to the nearest qualified repair facility, and we can even help with labor costs associated with:
- A dead battery
- Low fluid, including fuel
- A flat tire
- Lost keys
- A broken down bike (within 100 feet of a roadway)
Collision coverage helps repair or replace your bike if you cause an accident. It will also cover riding leathers and other apparel, including up to $500 per helmet.
Medical payments coverage
If you're involved in a crash, regardless of who caused it, medical payments coverage can help cover riding injuries within the first 3 years after the accident. It's especially important if you don't have adequate (or any) health insurance.
Trip interruption coverage
If you get into an accident or your bike breaks down on a long road trip, we'll cover:
- $100 for lodging
- $50 for alternate transportation
- $50 for food
That's per day until your bike gets fixed (up to $500 per incident).
Uninsured/underinsured motorist coverage
Believe it or not, roughly 20 percent of Texas motorists drive without insurance. Uninsured/underinsured motorist coverage helps pay for medical bills, property damage, and even lost wages if you're hit by a driver who doesn't carry liability insurance (or enough liability insurance to cover your damages).
How to stay safe on your motorcycle
Here are some quick tips to help keep you safe on the open road.
Motorcycle theft: because it's easier than stealing a car
Learn more about motorcycle theft statistics and how to protect your ride.
Yep, you need a motorcycle license
Here's your guide to motorcycle training and licensing to help keep you legal.