Match coverage to your riding profile
Weekend riders, commuters, and long-distance riders can have very different risk and protection needs.
Motorcycle Insurance in Texas
Build motorcycle coverage around how you ride, where you store your bike, and how much protection you want on every trip.
25+
Years serving Texas riders
85+
Store locations statewide
30+
Carrier options to compare
Rider-Focused Protection
Compare practical motorcycle coverage options in minutes and pick the structure that fits your riding life.
Rider Basics
Motorcycle coverage can protect your bike, your liability, and your financial position after covered incidents. Policy design should reflect your riding style, bike value, and route profile.
Households with multiple vehicles can often improve value by combining with auto insurance and coordinating broader household protection with renters coverage or homeowners insurance.
Weekend riders, commuters, and long-distance riders can have very different risk and protection needs.
Higher limits can strengthen liability protection, while deductible choices balance monthly premium and claim-time costs.
New bike value, custom parts, and storage changes can affect your best-fit policy configuration.
Choose protection that reflects your bike value and risk profile.
Essential protection for injuries and property damage you may cause while riding.
Best for: Every rider - foundational legal and financial protection
Helps repair or replace your motorcycle after a crash, regardless of fault.
Best for: Riders with financed or newer bikes
Protects against theft, vandalism, fire, weather losses, and other non-collision events.
Best for: Riders parking outdoors or in higher-theft areas
Helps cover medical bills for you and eligible passengers after covered accidents.
Best for: Riders who want stronger medical-risk protection
Helps when another driver causes a loss but does not carry enough coverage.
Best for: Riders in dense traffic regions
Coverage options can include helmets, riding gear, and certain custom bike equipment.
Best for: Riders with upgraded gear and accessories
Knowing your rate levers helps you make better renewal and coverage decisions.
Performance profile, replacement value, and parts cost can influence premiums.
Tickets, prior incidents, and riding experience generally impact rating.
Where your bike is stored and ridden affects theft and claims exposure.
More road time often increases exposure to potential incidents.
Your selected limits and deductible directly affect premium and claim-time cost sharing.
Recent claims and gaps in insurance history can affect pricing and carrier options.
Use these practical tactics to reduce premium while keeping useful protection.
Households with cars and bikes can often reduce total premium through policy bundling.
See auto insurance options ->Safety training can improve rider skill and may unlock meaningful carrier discounts.
Review renters + household savings paths ->Garage storage, locks, and approved anti-theft devices may help improve rate options.
Learn about local Amtex support ->Carrier appetite and discounts change frequently, so annual comparison can improve value.
Explore homeowners bundle opportunities ->From weekend riding to daily commuting, policy fit should reflect your real use.
Balance protection and budget for bikes used seasonally or recreationally.
Start a motorcycle quote ->
Increase reliability protections for riders who depend on two wheels every day.
Compare auto backup coverage ->
Coordinate bikes, cars, and household policies for cleaner protection and potential savings.
Review homeowners options ->
Prepare with destination-specific coverage before cross-border travel.
See Mexico travel insurance details ->Quick answers for common rider coverage questions.
Many riders keep continuous coverage year-round to avoid gaps, maintain protection, and preserve better rating opportunities.
Standard policies may have limits. Riders with custom equipment should ask about accessory endorsements for stronger protection.
In many cases yes. Bundling can reduce total premium and simplify policy management.
Key drivers often include bike value/class, riding history, ZIP code, mileage, and selected limits/deductible.
Some policies include passenger-related protections, but details vary by carrier and endorsement selection.
Most riders can review and bind options quickly, depending on bike details and carrier underwriting requirements.
Get rider-focused coverage at a price that fits your lifestyle and bike.
Have questions? Ready for a quote? Reach out to us today.
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