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Motorcycle Insurance in Texas
Motorcycle insurance provides financial protection for riders against liabilities, damages, and theft. In Texas, state law mandates liability insurance for motorcycles with specific minimum coverage requirements and comprehensive coverage is highly recommended due to the state's diverse terrain and high motorcycle population.
CINCO specializes in helping motorcyclists find the best motorcycle insurance options by offering tailored policies that meet state requirements and individual needs. With CINCO, riders can navigate the complexities of insurance in Texas with confidence and peace of mind.
Why Do I Need Motorcycle Insurance In Texas?
In Texas, motorcycle insurance is mandatory. Riding without it can lead to fines, license suspension, or other legal issues.
Motorcycle insurance covers medical expenses for you and your passengers if an accident causes injuries, ensuring financial protection.
Accidents can damage more than just your bike. Insurance typically includes coverage for repairing or replacing other damaged property.
If you're at fault in an accident, liability insurance helps pay for damages or injuries to others and their property, protecting your finances.
Motorcycle insurance lets you enjoy your ride with peace of mind, knowing you're protected against various risks and legal issues.
How Much Does Motorcycle Insurance Cost In Texas?
The cost of Texas motorcycle insurance typically ranges between $300 and $800, varying significantly based on factors such as your age, driving record, and more. If you are unemployed or a student, you may want to look for insurance that covers both personal injury and bike damage, which are relatively easy to find and relatively affordable in the market.
Compare Motorcycle Insurance Rates Across Key Texas Cities
Insurance rates vary across major Texas cities because of population density, traffic volume, crime rates, and local weather conditions. Larger cities, such as Houston, Dallas, and San Antonio, tend to command higher premiums due to increased urban risks, such as traffic accidents and theft.
City Name
Average Annual Insurance Rates
Houston
$450 - $900
San Antonio
$400 - $850
Dallas
$400 - $800
Austin
$350 - $750
Fort Worth
$400 - $850
El Paso
$350 - $750
Arlington
$400 - $800
Corpus Christi
$350 - $750
Plano
$400 - $800
Lubbock
$300 - $700
WHAT DISCOUNTS CAN I GET FOR Motorcycle INSURANCE IN TEXAS?
DISCOUNT NAME
DESCRIPTION
Multi-Policy Discount
Save when you bundle your insurance with other policies.
Safe Rider Discount
Save by maintaining a clean driving record
Motorcycle Safety Course
Discount is available for completing an approved motorcycle safety course.
Anti-Theft Device
Save with anti-theft devices installed on your motorcycle.
Good Student Discount
Discount for students with good academic records.
Motorcycle Association
Savings for being a member of a recognized motorcycle association.
What Are The Minimum Motorcycle Insurance Requirements In Texas?
In Texas, the minimum requirement for an insurance policy is liability coverage. This coverage must meet the following minimum limits:
- $30,000 for injury or death to one person in an accident.
- $60,000 for bodily harm or death to two or more persons in a single accident.
- $25,000 for property damage liability per accident.
These minimum coverage requirements protect motorcyclists in Texas by providing coverage if they are at fault in accidents that cause injury to others or damage to property.
What Types Of Motorcycle Can I Insure With CINCO in Texas?
What Coverages Can I Get For My Motorcycle In Texas?
Liability Coverage
Protects you from financial liability if you're at fault in an accident that causes injury or property damage.
Collision Coverage
This insurance coverage covers repairs or replacement of your motorcycle if damaged in a collision.
Comprehensive Coverage
Protect your bike from non-collision incidents such as theft, vandalism, or natural disasters with this coverage.
Uninsured/Underinsured Motorist Coverage
Provides coverage if you're involved in an accident with a driver who lacks insurance or sufficient coverage.
Medical Payments Coverage
It covers medical expenses for you and your passengers after an accident, no matter who is at fault.
Personal Injury Protection (PIP)
Offers broader coverage for medical expenses, lost wages, and other damages resulting from an accident.
Guest Passenger Liability
It covers injuries or damages to passengers while riding with you, ensuring their protection and peace of mind.
Custom Parts and Equipment Coverage
Protects your motorcycle's custom parts and equipment against damage or theft, ensuring your modifications are secure.
Roadside Assistance
Provides help if your motorcycle breaks down, including towing services and minor roadside repairs.
Trip Interruption Coverage
Covers expenses if your trip is interrupted due to a covered loss, such as lodging and transportation costs.
Why Is CINCO The Best Choice For Motorcycle Insurance In Texas?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
HOW IT WORKS
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