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Motorcycle Insurance

What is Motorcycle Insurance?

Motorcycle insurance provides financial protection for your bike, yourself, and your passengers. It covers physical damage and bodily injury from accidents, as well as liability for damages you may cause to others. Beyond collisions, it can also protect against theft, vandalism, and other unexpected incidents—giving you peace of mind every time you ride.

What Does Motorcycle Insurance Cover?

Motorcycle insurance in Texas typically includes:

  • Accessory Coverage – Protects saddlebags, custom parts, and electronics.
  • Comprehensive Coverage – Covers non-collision damage like fire or theft.
  • Collision Coverage – Pays for damage from crashes or overturns.
  • Bodily Injury Liability – Covers injuries to others and legal defense.
  • Property Damage Liability – Covers damage to others’ property and legal defense.
  • Medical Payments – Pays medical expenses for you and passengers.
  • Personal Injury Protection (PIP) – Covers medical costs, lost wages, regardless of fault (where available).
  • Uninsured/Underinsured Motorist – Protects if other driver lacks insurance.
  • Roadside Assistance – Helps with breakdowns or mechanical failures

Why Motorcycle Insurance Matters in Texas

Texas riders face unique challenges—from unpredictable weather and long highways to uninsured drivers. Whether you’re cruising through Hill Country or commuting in Houston, motorcycle insurance helps protect your bike, your passengers, and your financial future.

Local Expertise You Can Trust

At MCN Multiservices, we serve riders across Texas. Our agents understand state-specific motorcycle insurance requirements and the risks Texas motorcyclists face. We’ll help you find the right coverage for your bike—whether it’s a cruiser, sportbike, or touring model.

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What Makes Us Different?

Texas-Specific Expertise

We know the state’s liability laws and motorcycle insurance requirements.

Custom Coverage Options

Protect your bike, gear, and passengers with flexible policy add-ons.

Affordable Premiums

Get coverage at a budget-friendly rate.

Bilingual Service

Hablamos español, serving Texas’s diverse communities with clarity and care.

Motorcycle Insurance Tips for Texas Riders

  • Bundle Policies – Combine motorcycle and auto insurance for discounts.
  • Take a Safety Course – Many insurers offer discounts for completing a motorcycle safety course.
  • Store Your Bike Securely – Garaging your motorcycle can lower your premium.
  • Review Your Policy Annually – Update coverage as your bike’s value or usage changes.

Ready to Hit the Road with Confidence?

Contact MCN Multiservices today for a free motorcycle insurance quote in Texas. Our licensed agents will help you compare policies, understand your coverage options, and get insured fast—so you can ride worry-free.

Frequently Asked Questions

Is motorcycle insurance required in Texas?

Yes. Texas motorcycle insurance requirements make it mandatory for all riders to carry minimum liability coverage:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage

This legal motorcycle coverage ensures financial responsibility in case of accidents and helps protect both riders and others on the road. Maintaining at least the minimum bike insurance is essential to comply with state laws.

The cost of motorcycle insurance in Texas depends on several factors, including age, driving history, type of motorcycle, location, and coverage limits. On average, Texas riders pay between $200 and $800 per year. Comparing quotes can help you find affordable bike insurance and secure cheap motorcycle coverage without sacrificing protection.

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We’re here to help with any questions or needs. Connect with our team for personalized assistance and expert guidance on the coverage that fits you best.