How much motorcycle insurance do you need in Texas?

The number of fatalities caused by traffic accidents has been on the decline in Austin, TX. Still, you should not drive around town without insurance. The average motorcycle costs about $50,000 to purchase and thousands more to maintain. Your accessories are also expensive, which means that you need more than a standard auto insurance policy to protect all of your investments. The TAB Insurance Agency can help you find the motorcycle insurance plan that is right for your lifestyle. 

How much motorcycle insurance do you need?

The state of Texas requires all drivers to show proof of auto insurance that provides at least $30,000 for bodily injury per person, $60,000 per incident, and a minimum of $25,000 for property damage per occurrence. There are no strict requirements regarding uninsured motorist protection, but it would be a good idea to purchase such coverage, seeing as how Texas is a "fault" state. You may find yourself in a legal battle that does nothing to fix your motorcycle if the person who is at fault in the accident does not have the proper protection to pay for all damages. 

You need more than basic coverage

Your compliance with state law could indeed save you money on insurance. You need more than the bare minimum, however, when you have equipment that costs thousands to replace if destroyed in an accident. The best motorcycle insurance plans offer:

  • Replacement for your motorcycle
  • Upgrade options for accessories related to safe riding
  • Cool-off periods in which you can pay less for insurance when your bike is in storage

Contact us for a quote!

TAB Insurance Agency has qualified agents who can explain the details about motorcycle insurance so that you can find the plan that works for your budget. Do not drive around Austin, TX without insurance! Call us today to get started with a quote for coverage!