The Ultimate Guide to Motorcycle Insurance in Central Texas

Riding season is here, and there’s nothing quite like the freedom of cruising down Central Texas roads on your motorcycle. Whether you’re gearing up for weekend rides through the Hill Country or commuting daily, having the right motorcycle insurance is essential for your safety and financial protection.

But what exactly does motorcycle insurance cover, and why do you need it? If you’re new to motorcycle ownership—or just looking for a better policy—this guide will break it all down in simple terms.

Why Motorcycle Insurance Matters

Unlike cars, motorcycles offer little protection in the event of an accident, making insurance even more critical. A good motorcycle insurance policy doesn’t just cover damage to your bike—it also protects you from liability, medical costs, and even uninsured drivers.

In Texas, motorcycle insurance is required by law. The state mandates minimum liability coverage, but those basic limits may not be enough to fully protect you in a serious accident. That’s why it’s important to understand your options and choose coverage that fits your needs.

Understanding Motorcycle Insurance Coverages

Motorcycle insurance comes in several forms, each serving a different purpose. Here’s a breakdown of the key coverages:

1. Liability Coverage (Required by Texas Law)

Liability coverage pays for injuries and property damage you cause to others in an accident. Texas law requires at least:

• $30,000 for bodily injury per person
• $60,000 for total bodily injury per accident
• $25,000 for property damage

While these minimums satisfy the legal requirement, they may not be enough to cover all expenses if you’re involved in a major accident. Increasing your liability limits can help prevent out-of-pocket costs.

2. Collision Coverage

If you crash your bike or hit another vehicle, collision coverage pays for repairs or replacement—regardless of who’s at fault. This is especially important if your motorcycle is newer or financed.

3. Comprehensive Coverage

This protects your bike from non-collision incidents such as theft, vandalism, hail damage, or hitting a deer. If you store your motorcycle outside or ride frequently, comprehensive coverage is a smart investment.

4. Uninsured/Underinsured Motorist (UM/UIM) Coverage

Not everyone follows the law and carries insurance. If you’re hit by an uninsured or underinsured driver, UM/UIM coverage helps pay for medical bills and bike repairs.

5. Medical Payments & Personal Injury Protection (PIP)

Medical Payments and PIP help cover hospital bills, ambulance costs, and even lost wages—regardless of who caused the accident. PIP is broader and may also cover passengers, making it a valuable addition.

6. Accessories & Custom Parts Coverage

Do you have a custom paint job, aftermarket exhaust, or added saddlebags? Standard policies may not cover these extras. Accessories coverage ensures your upgrades are protected.

How Much Does Motorcycle Insurance Cost?

The cost of your policy depends on several factors, including:

• Your age and riding experience
• The make, model, and value of your bike
• Your driving history
• Where you store your motorcycle
• The type of coverage and deductibles you choose

On average, riders in Texas can expect to pay anywhere from $200 to $1,000 per year, depending on these factors. Bundling your motorcycle insurance with your home or auto policy can also help lower costs.

Tips for Choosing the Right Motorcycle Insurance

1. Assess Your Riding Habits – Do you ride daily or just on weekends? Higher mileage may require more coverage.
2. Consider Higher Liability Limits – The state minimums might not be enough to protect your assets in a lawsuit.
3. Look at Comprehensive & Collision Options – If you couldn’t afford to replace your bike out of pocket, these coverages are essential.
4. Don’t Skip Uninsured Motorist Protection – Texas has a high rate of uninsured drivers, so having UM/UIM coverage is a smart move.
5. Ask About Discounts – Many insurers offer savings for safe riders, MSF course graduates, and policy bundling.

Get the Best Motorcycle Insurance in Central Texas

At Dowd Insurance Agency, we help riders find the right coverage at the best price. Whether you’re a first-time biker or a seasoned pro, our team can customize a policy that fits your needs and budget.

Before you hit the road this season, make sure you have the right protection. Contact us today or request a free quote online!