Motorcycle Insurance From a Local, Independent Advisor
North Texas is great riding country, from the farm roads around Lake Ray Roberts to long highway trips across the state. Trailmark Insurance Advisors compares motorcycle insurance from multiple carriers for cruisers, sport bikes, touring bikes, dual-sport bikes, trikes and scooters.
Motorcycle coverage works differently from car insurance, so we'll help you choose the right protection for your bike, your riding style and the custom parts you've added.
What Motorcycle Insurance Covers
Liability
Pays for injuries and damage you cause to others. Texas requires the same 30/60/25 minimum liability for motorcycles as for cars.
Collision
Repairs or replaces your bike after an accident.
Comprehensive
Covers theft, hail, fire, vandalism and animal collisions.
Uninsured and underinsured motorist
Protects you when a driver without enough insurance causes an accident.
Medical payments or PIP
Helps pay medical bills for you and your passenger.
Custom parts and equipment
Protects aftermarket chrome, exhaust, seats, saddlebags and custom paint.
Riding gear
Covers helmets, jackets and other protective gear.
Roadside assistance and trip interruption
Help with towing and lodging if you break down far from home.
Riding in Texas
Texas riders face heavy traffic, high summer heat and drivers who don't always see motorcycles. Uninsured motorist coverage and strong medical protection are especially important, because injuries in a motorcycle accident can be serious and the other driver may not carry enough insurance.
Ways to Save on Motorcycle Insurance
- Completing a motorcycle safety course
- Bundling with auto or home insurance
- Insuring multiple bikes on one policy
- Anti-theft devices and garage storage
- Riding experience and a claims-free history
- Paid-in-full discounts
Motorcycle Insurance FAQs
Is motorcycle insurance required in Texas?
Yes. Texas requires motorcycle owners to carry liability insurance with at least 30/60/25 limits, the same minimums as passenger cars.
Does my auto policy cover my motorcycle?
No. Motorcycles need their own policy. Many carriers offer a discount when you bundle motorcycle insurance with your auto or home policy.
Are my custom parts covered?
Standard policies include only a small amount of custom parts and equipment coverage. If you've added chrome, exhaust, seats, saddlebags or custom paint, we can help you add enough coverage to protect your investment.
