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Motorcycle Insurance in Texas

A motorcycle road trip is a great way to explore the great state of Texas. Before you hit the road, make sure you’re protected with motorcycle insurance. At Ross Insurance Agency in Waco, TX, we offer diverse motorcycle insurance coverage to suit any need and lifestyle. By discussing your options with a Ross Insurance agent, you can make wise decisions when purchasing a policy. Here are some basic facts you should know about motorcycle insurance in Texas.


Motorcycle liability coverage is mandatory in Texas for all motorcycle drivers. Liability coverage pays for injuries and property damage to others in accidents you cause. Like most states, Texas sets minimum liability coverage for motorcyclists. You can, however, purchase more than the minimum to protect your assets against serious motorcycle accidents.

Collision and Comprehensive

Collision and comprehensive insurance are not required in Texas. If you own an expensive bike, however, you can benefit from this protection. Collision insurance covers the cost of repairing your bike if it’s damaged in a crash with another vehicle or an object like a tree, wall, etc. Comprehensive insurance protects your bike from theft, fire, vandalism and inclement weather.

If you ride your bike year-round, you’re at greater risk of encountering adverse weather on the road. The more protection you have, the less you have to pay to restore your bike after an accident.

Uninsured/Underinsured Motorist

The more time you spend on the road, the greater your chances of having an accident. If you’re hit by someone who doesn’t have enough insurance coverage to pay for your damages, uninsured/underinsured motorist insurance will help pick up these costs. This extra layer of protection could save you hundreds, if not thousands, of dollars out-of-pocket, in the event of a serious accident.

At Ross Insurance Agency in Waco, TX, we can personalize your motorcycle insurance policy to provide you with the protection you need at an affordable cost. Contact us today for all your motorcycle insurance needs.