Many Texans enjoy owning a motorcycle, whether it’s for daily commuting, weekend rides, or exploring scenic Hill Country roads. One of the most common questions riders ask is whether they need separate insurance and, if so, what that coverage should include. Motorcycle insurance differs from standard auto insurance and typically requires an individual policy.
This guide explains what motorcycle insurance typically covers, why it matters, and when it may be time to review your policy.
Before getting started, it may be helpful to explore how regularly reviewing your insurance helps keep your coverage up to date. You can read more in 5 Reasons to Reevaluate Your Insurance Annually.
Why motorcycles need their own coverage
Motorcycles face different risks than cars. They’re more exposed, they handle differently, and they’re used in different environments. As a result, most auto policies don’t extend coverage to motorcycles. A dedicated motorcycle policy provides coverage tailored to two-wheeled vehicles.
This type of policy allows you to choose the right level of protection based on how often you ride, where you ride, and whether you’ve added upgrades or custom parts.
What motorcycle insurance typically covers
Coverage varies by carrier, but motorcycle insurance often includes:
Texas weather may also affect the need for comprehensive protection. Hail, wind, and flooding can damage motorcycles stored outside or in areas prone to heavy storms.
What affects the cost
Rates differ based on several factors, including: