Motorcycle Insurance
Motorcycle Insurance Coverage
Motorcycle insurance, much like auto insurance, is required in every state - meaning all registered motorcycle operators are required to carry insurance. However, different states may have different minimum requirements for motorcycle insurance coverage.
How Much Motorcycle Insurance Do I Need?
Motorcycle insurance coverage and pricing can vary significantly based on a number of factors. A Guardify agent can help you compare policies from different carriers relative to your motorcycle model and driver history, so that you can find the best coverage at the best price.
Guardify does not offer a motorcycle insurance cost calculator, but we can help you research and compare insurance from different carriers so you get the best value coverage.
Types of Motorcycle Insurance
There are many different types of motorcycle insurance. As you consider the right fit for you, make sure that you understand each type of coverage and the protection it will offer you in the event of claims. Keep in mind that some types of motorcycle insurance, such as “full coverage,” will combine several types of motorcycle insurance within a single policy.
Motorcycle Liability Insurance
State law requires registered motorists to carry minimum motorcycle liability insurance. Minimum limits are typically expressed with three numbers. For example, minimum Texas liability insurance requirements are 30/60/25. The 30 stands for $30,000 bodily injury liability per person; 60 stands for $60,000 bodily injury liability per accident; and 25 stands $25,000 property damage liability insurance per accident.
Bodily injury liability insurance covers damages that you may cause to another person in an accident. Property damage liability insurance covers damages that you may cause to someone else's property in the event of an accident.
It's important to recognize that state minimum standards for motorcycle insurance coverage provide for damages that you may cause to someone else and their vehicle or property, but they don't cover damages that may occur to you or your own motorcycle in the process.
In order to make sure that you have coverage for yourself and your motorcycle in the event of claims, you need to find coverage beyond state minimum requirements.
Motorcycle Comprehensive Coverage
Motorcycle comprehensive coverage helps to cover damages to your own motorcycle, such as animal damage, severe weather damage, theft, fire, or vandalism. Many lenders require proof of comprehensive insurance coverage as a condition of financing. A motorcycle comprehensive coverage policy does not cover collision-related damages.
Motorcycle Collision Insurance
Motorcycle collision insurance, much like auto collision insurance, helps to cover claims in the event of a collision incident that causes damage to your motorcycle. Collision coverage typically includes coverage for collision accidents with other vehicles, as well as other types of collisions such as animal-related or object-related collisions.
Full Coverage Motorcycle Insurance
Full coverage on motorcycle insurance includes comprehensive coverage and collision coverage, as well as the liability limits as required by state law. Some full coverage motorcycle insurance policies will also include liability coverage above the legal minimum coverage requirements.
Motorcycle Gap Insurance
Motorcycle gap insurance helps to cover your financial obligations in the event that your motorcycle becomes totaled due to a collision, accident, damage, or other covered incident. Motorcycle gap insurance will cover the difference between the value of your motorcycle and any remaining amount that you owe on your motorcycle loan so that you do not have to continue making payments on a totaled bike.
Motorcycle Uninsured Motorist Coverage
Uninsured and under-insured motorists are a huge risk for anyone on the roads. If you get in an accident with an uninsured or under-insured driver, even at the fault of the uninsured or under-insured motorist, there will no coverage or insufficient coverage for your motorcycle, damages, or expenses caused by the uninsured motorist. As a result, it is almost universally recommended to add uninsured motorist coverage or underinsured motorist coverage to any motorcycle or auto policy.
Uninsured/underinsured motorist coverage will help to cover personal bodily injury or property damage that you experience in an accident caused by someone else who does not carry sufficient insurance to cover these claims.
Motorcycle Theft Insurance
Motorcycle theft insurance provides coverage for your motorcycle in the event that your motorcycle is stolen. Requirements for evidence of theft may vary based on your policy or carrier in the event of claims. Check requirements prior to purchasing motorcycle theft insurance. Motorcycle theft insurance may be especially meaningful for owners of rare, collector or custom bikes.
Non-owner Motorcycle Insurance
Non owner Motorcycle insurance is another form of insurance that some individuals may need. Talk to your Guardify agent to explore options for non-owner motorcycle insurance.
Custom Motorcycle Insurance
A custom motorcycle is meaningful and high-value asset for someone who rides. If you're looking for a custom bike insurance quote, you can submit a quote request.
Custom Motorcycle Insurance Package
If you are interested in a custom insurance package (for example: add-on excess coverage for a collector bike, or combined coverage options with your home or auto), your Guardify agent is happy to help. Simply contact your agent and request to explore options for combined coverage.
Motorcycle Insurance Texas
If you're looking for Texas motorcycle insurance, Guardify is based in Texas and has a designated motorcycle insurance agent who can help you find the right policy for your needs.
Is Motorcycle Insurance Required in Texas?
Liability insurance is required for all registered motorists in Texas. This means that motorcycle insurance is required for anyone who rides.
How Much is Motorcycle Insurance in Texas?
Motorcycle insurance in Texas will vary depending on the type of policy you choose. A full coverage policy might have a higher premium than a minimum liability policy; however, it will also give you more meaningful coverage in the event of claims.
Best Motorcycle Insurance Texas
If you're someone who rides and you're looking for the best motorcycle insurance in Texas, our team at Guardify looks forward to serving you! Guardify compares prices from different carriers for motorcycle insurance in Texas, so you can easily find the best policy at the right price based you your goals.
And, if you're looking for TX motorcycle insurance, we serve Houston, Austin, San Antonio, Waco, Amarillo, Lubbock - and everywhere in between. Contact Guardify for a quote today!