Abilene, TX Motorcycle Insurance Agents | Koda Insurance sGroup
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Koda Insurance Group

4400 Buffalo Gap Rd
Suite 2600
Abilene, TX 79606

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Motorcycle Insurance in Texas

Texas requires you to prove financial responsibility for potential accidents that could occur while you're traveling on public roads or highways. You can establish financial responsibility by depositing $55,000 in cash, securities, or cashier's check, or you can put up a surety bond with the county clerk. Finally, you can prove financial responsibility by purchasing a motorcycle insurance policy, and for most people, this is the best course of action. Have questions about motorcycle insurance or shopping around for a quote? Contact Koda Insurance Group today over the phone or visit in person.

Insurance Requirements

All motorcycle policies need to have liability coverage, which covers damages to other people's property, their medical expenses, and potential lawsuits arising from an accident. While liability coverage covers damages caused by an accident, it doesn't pay for your expenses. Full coverage insurance covers damages to your motorcycle and medical expenses if you get into an accident and provides an additional layer of protection.

The state doesn't have maximum coverage limits, so you can choose high limits that provide peace of mind.

Helmet Laws and Insurance

Many motorcycle riders don't like having to wear a helmet while riding. The amount of coverage you have doesn't influence whether you have to wear a helmet. In this state, if you're 21 years old or older and have medical insurance that covers surgical and medical expenses that are incurred from a motorcycle accident, then you don't have to wear a helmet on the road.

What Happens If You Don't Have Insurance

If you don't have motorcycle insurance and don't prove financial responsibility in other available ways, you're subject to:

  • Fines
  • Driver's license suspensions
  • Motorcycle impoundment

In order to avoid these troublesome penalties, make sure you have motorcycle insurance. If you have any questions or are looking for a quote, call or visit Koda Insurance Group today.

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