Coverage for the Open Road—And the Unexpected
From Hill Country cruises to city commutes, riding in Texas means freedom—and real responsibility. Motorcycle insurance protects you, your bike, and your wallet if the unexpected happens. Broken Spoke Insurance shops specialty bike carriers for the best rates, so you get coverage tailored to your ride and your style.
What Texas Motorcycle Insurance Covers
Minimum State Requirement:
30/60/25 liability:
- $30,000 bodily injury per person
- $60,000 per accident
- $25,000 property damage
Optional & Recommended Coverages:
Collision & Comprehensive – Pays for damage to your bike from accidents, hail, theft, vandalism, and more
Uninsured/Underinsured Motorist – Protects you if the at-fault driver doesn’t have enough (or any) insurance
Medical Payments – Helps with medical bills after a crash
Guest Passenger Liability – Covers passengers riding with you
Custom Parts & Accessories – Protection for custom upgrades (most policies include at least $3,000, with options for more)
Ways to Save on Bike Insurance
Bundle motorcycle, auto, and home for multi-policy discounts
Insure multiple bikes for extra savings
Take approved motorcycle safety courses
Maintain a clean riding and driving record
Ask about seasonal/lay-up policies if you don’t ride year-round
What to Expect From This Service
We get to know your ride, riding habits, and coverage needs—then check rates from our network of top bike insurers. You pick the right protection and price, and we handle the paperwork, certificates, and claims help when needed. We’ll also make sure your liability limits are high enough, so one accident doesn’t put your assets at risk.
Frequently Asked Questions
Is motorcycle insurance required in Texas?
Yes, liability coverage is mandatory (30/60/25 minimum). Most riders choose higher limits for better protection.
Can I get the cheapest motorcycle insurance in Texas?
We shop multiple carriers, find every discount, and keep your costs low without sacrificing coverage.
Do I need full coverage on my motorcycle?
Full coverage (collision & comprehensive) is recommended for new, financed, or valuable bikes—or for extra peace of mind.
Does Broken Spoke cover custom bikes or accessories?
Yes! Most policies include coverage for custom parts, and you can buy more if needed.
Can I insure multiple bikes or bundle with auto/home?
Absolutely—bundling often saves money and makes managing your insurance easy.
Ride With Freedom—And Smart Protection
Enjoy every mile knowing your bike, your gear, and your finances are protected. Broken Spoke Insurance helps you hit the road with confidence—get a quote or coverage review today.