Does Texas Require Motorcycle Insurance Even if There is No Outstanding Loan?

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About Texas Motorcycle Insurance

There’s nothing quite like traveling around and enjoying an adventure in the Celina, TX, area while navigating a motorcycle. The ride is sheer freedom as the wind whips past as you explore scenic highways and byways. One of the questions motorcycle owners have to consider when owning a motorcycle, free and clear of any loan, is what the state requires regarding insurance. At Rasor Insurance, our team is available to help guide you through the process.

Texas Requirements for Motorcycle Insurance

Just like any other vehicle that is allowed to travel legally on Celina, TX streets, motorcycle owners are required to have an active insurance policy. This includes mopeds. In order to register a motorcycle or renew the registration, owners must show proof of coverage. Texas has minimum liability limits to cover injured persons, per accident, and property damage for each accident. When you give us a call, we’ll go over the breakdown of the minimum dollar amount for each. 

Operating a Motorcycle Without Insurance in Texas

This is the same situation as it is for drivers operating an uninsured vehicle on the roads in Texas — you are driving illegally. You will be at risk in several ways. These include:

  • A first offense can mean a very costly fine.
  • Your license may be suspended.
  • Your motorcycle may be impounded.
  • If you are responsible for an accident, the costs of the damages will be out-of-pocket

FYI Exceptions

So there is no confusion, there are exceptions to the state’s requirements for insurance for some types of vehicles. These include mini bikes, dirt bikes, all-terrain vehicles, and golf carts. 

Contact Us

Keep your motorcycle driving time safe, legal, and stress-free. Give us a call at Rasor Insurance and let’s get started with an insurance policy that works for you.