Motorcycle Insurance in Texas
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Motorcycle Insurance
Motorcycles offer freedom and excitement on the road, but they also come with unique risks. Having the right motorcycle insurance coverage helps protect you financially if an accident occurs.
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At PARR Insurance Group, we help riders find motorcycle insurance coverage designed to fit their needs and riding habits. As an independent agency, we work with multiple insurance companies so we can compare options and help you find the best balance of coverage, price, and protection.
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Our goal is to provide personalized advice and reliable results so you can ride with confidence.
Texas Motorcycle Insurance Requirements
In Texas, motorcycles are treated similarly to other motor vehicles. This means they must be registered with the state and insured with at least the required minimum liability coverage.
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Texas minimum liability limits include:
• $30,000 for bodily injury per person
• $60,000 for bodily injury per accident
• $25,000 for property damage per accident
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While these limits meet the legal requirement, many riders choose higher coverage limits to provide additional financial protection in the event of a serious accident.
Motorcycle Licensing and Safety in Texas
To legally operate a motorcycle in Texas, riders must obtain a Class M motorcycle license.
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Requirements may include:
• Providing proof of identity and a valid Social Security number
• Showing proof of Texas residency
• Providing proof of insurance
• Completing a motorcycle safety course in certain situations
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Texas law also requires riders under the age of 21 to wear a helmet. Riders over 21 may be exempt from the helmet requirement if they have completed an approved motorcycle safety course or carry qualifying medical insurance coverage.
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Even when not required by law, protective gear such as helmets, eye protection, gloves, and protective clothing can help reduce injury risks.
What Motorcycle Insurance Can Cover
Motorcycle insurance policies may include several types of protection depending on the coverage you select.
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Common coverages include:
Liability Coverage
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Helps protect you financially if you are responsible for injury to another person or damage to someone else’s property.
Collision Coverage
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Helps pay for damage to your motorcycle if you collide with another vehicle or object.
Comprehensive Coverage
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Helps protect your motorcycle from non-collision events such as theft, vandalism, fire, or certain weather-related damage.
Uninsured / Underinsured Motorist Coverage
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Provides protection if you are involved in an accident with a driver who does not have insurance or does not have enough coverage.
Medical Payments Coverage
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Helps cover medical expenses for you or your passenger if an accident occurs.
What Types of Motorcycles Can Be Insured?
At PARR Insurance Group, we help riders throughout Kingwood, Texas and the surrounding communities insure a wide variety of motorcycles and recreational bikes.
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Common types of motorcycles we help insure include:
• Cruiser motorcycles
• Touring motorcycles
• Sport bikes
• Standard motorcycles
• Dual sport motorcycles
• Dirt bikes (when eligible for coverage)
• Scooters and mopeds
• Custom or modified motorcycles
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Coverage options can vary depending on factors such as the type of bike, engine size, value of the motorcycle, and how the bike is used.
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Our team takes the time to understand your riding habits and the value of your motorcycle so we can help you choose coverage designed to protect both you and your bike.
Ride With Confidence
Owning a motorcycle should be about enjoying the open road — not worrying about what could happen if something goes wrong. At PARR Insurance Group, we help riders understand their coverage options so they can make confident insurance decisions.
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Our goal is to ensure every client leaves more informed, more confident, and better protected than when we first started — whether they choose to do business with us or not.
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Get a quote today and see how easy it can be to protect your motorcycle with the right coverage.