Your auto policy does not follow you onto the bike
Texas requires liability coverage on every registered motorcycle – 30/60/25 minimum. That minimum protects other people, not you, and it does not touch your bike, your gear or your medical bills.
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What this coverage includes
- Liability at or above the Texas 30/60/25 minimum
- Collision and comprehensive on the bike itself
- Uninsured and underinsured motorist – critical for riders
- Custom parts and accessories coverage
- Roadside assistance and trip interruption
Uninsured motorist is the coverage riders skip and regret
Roughly one in eight Texas drivers is uninsured. In a car that means a repair fight. On a bike it means serious injury with no one to pay for it. UM/UIM covers your medical costs and lost income when the at-fault driver cannot. It is inexpensive and we recommend it on every motorcycle policy.
Custom parts are not covered by default
Exhaust, seats, paint, saddlebags and chrome usually fall outside the standard limit – many policies cap accessories at $1,000 or $3,000. If you have $10,000 in add-ons, the limit has to be scheduled up front, not argued about at claim time.
Seasonal and layup coverage
Some riders drop coverage over winter. Keep comprehensive in force – theft and hail happen in the garage – and we can lower liability instead so you are not paying full price for a bike you are not riding.
What Texas riders should carry
We generally recommend liability well above the state minimum, full UM/UIM matching that liability, medical payments, and agreed-value physical damage on anything newer or customized.
Passenger liability deserves a specific look. Some policies limit or exclude injuries to a passenger on the bike, which is exactly the person most likely to be hurt in a motorcycle accident.
Texas has no universal helmet law for riders over 21 who complete a safety course or carry qualifying health coverage, but insurers still weigh safety training – a completed course often earns a discount.
Storage matters on the coast too. A bike in an unattached carport is treated differently than one in a locked garage, and it shows up in the comprehensive rate.
Frequently asked questions
Is motorcycle insurance required in Texas?
Yes. Liability of at least 30/60/25 is required for any registered motorcycle.
Does my helmet and gear get covered?
Only if the policy includes riding-gear coverage. It is usually an add-on.
Can I bundle my motorcycle with home and auto?
Yes, and it usually discounts all three. See bundling.
Get a motorcycle quote
BenefitExcel is an independent agency in Corpus Christi. We shop multiple carriers on your behalf instead of selling one company’s product, and we review every renewal so you are not quietly paying more each year. Request a quote or call (361) 808-4988.