INSURANCE · TEXAS
Motorcycle Insurance
Texas treats motorcycles like cars for insurance. We compare carriers so your bike is legal and properly covered.
What it covers
Liability
Pays for injuries and property damage you cause to others. Texas requires at least 30/60/25.
Collision and comprehensive
Optional coverage for damage to your bike from a crash, theft, fire, hail or vandalism. Lenders usually require it.
Uninsured/underinsured motorist
Helps when the at-fault driver has no insurance or too little.
Personal injury protection (PIP)
Helps with medical bills and lost wages. Texas policies include it unless you reject it in writing.
Custom parts and gear
Some carriers offer extra coverage for accessories and riding gear.
Who needs it in Texas
- Anyone who rides a motorcycle, moped or motor-driven cycle on Texas roads must show financial responsibility, the same as a car (TDI).
- Minimum liability is $30,000 per injured person, $60,000 per accident and $25,000 for property damage (30/60/25).
- Mopeds need the same liability coverage as motorcycles, even with smaller engines (TDI).
- Helmet law: riders and passengers must wear a helmet unless they are at least 21 and have either completed an approved safety course or carry health insurance that covers motorcycle injuries (Transportation Code ch. 661).
Common questions
Is motorcycle insurance required in Texas?
Yes. Texas requires motorcyclists to carry at least 30/60/25 liability coverage, the same as cars.
Does a moped need insurance?
Yes. Texas requires the same liability insurance for mopeds and motor-driven cycles as for motorcycles.
Do I have to wear a helmet?
Riders under 21 must. Riders 21 and older are exempt only if they completed an approved motorcycle safety course or have health insurance that covers motorcycle injuries.
Does my car policy cover my motorcycle?
Usually not. A motorcycle generally needs its own policy or to be listed on a policy that covers it. Ask us to check yours.
Is minimum coverage enough?
The minimum keeps you legal, but it may not cover a serious crash. We can show you higher limits and optional coverages side by side.
How AVYRO helps
- Tell us what you need to cover, by phone or online.
- We compare options from our appointed carriers.
- You pick the coverage, and we handle the paperwork.
Carriers we work with
Availability depends on the carrier, your location and underwriting. We will tell you which carriers can quote you.
Sources: TDI: Motorcycle and moped insurance · Texas Transportation Code ch. 661 (helmets) · TDI: Auto insurance guide
AVYRO Insurance & Tax is a licensed Texas insurance agency (TX Lic #3366212), not an insurance company. Coverage, rates and eligibility are set by the issuing carrier and are subject to underwriting. Quotes are estimates until a policy is issued. Not all carriers or products are available in all areas. This page is general information and does not change any policy terms; your policy controls. Rules can change, so check the sources above. Not legal advice. We never ask for your Social Security or driver’s license number through this site.
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