Motorcycle Insurance
Ride Protected, Ride Confident
Whether you’re hitting the backroads on a weekend ride or commuting into Lubbock, the right motorcycle insurance helps keep you safe, legal, and covered. We offer policies built for West Texas riders—customized to your bike, your riding style, and your budget.
What Your Motorcycle Insurance Can Include
Liability Coverage
Pays for injuries or property damage you cause to others while riding; required by Texas law.
Collision Coverage
Covers damage to your bike from a crash, regardless of who’s at fault.
Comprehensive Coverage
Protects your motorcycle from theft, vandalism, fire, and other non-collision events.
Uninsured/Underinsured Motorist Coverage
Helps cover expenses if you’re hit by a driver who doesn’t have enough insurance—or none at all.
Accessories & Custom Parts Coverage
Protects after-market upgrades, saddlebags, chrome parts, and custom paint.
Medical Payments Coverage
Helps pay for medical bills for you and your passenger after an accident.
Coverage That Fits the Open Road
Riding in West Texas has its own rhythm
From flat highways to scenic farm roads, West Texas is made for motorcycles—but it also brings unique challenges. High winds, unexpected wildlife crossings, and distracted drivers are all part of the riding reality out here. Many local riders also customize their bikes, making accessory coverage an essential part of any good policy. Whether you ride daily or just on the weekends, we’ll help you choose the protection that makes sense for your road, your ride, and your routine.
Frequently Asked Questions
Is motorcycle insurance required in Texas?
Yes, Texas requires all motorcycle riders to carry minimum liability insurance. This covers injuries or property damage you might cause to others in an accident. However, liability alone won’t protect your own bike or medical expenses. That’s why most riders choose more comprehensive coverage for better peace of mind.
Can I insure custom parts or upgrades?
Yes, we offer optional coverage for accessories and custom parts that aren’t included in the manufacturer’s original build. This can include things like saddlebags, custom exhaust systems, or aftermarket lighting. If you’ve invested in your bike’s look or performance, it’s smart to protect that value. Let us know what’s been added so we can make sure it’s covered.
Is my gear covered under my motorcycle policy?
Some policies offer limited protection for riding gear like helmets and jackets, especially if it’s damaged in an accident. If your policy doesn’t include this by default, we can look at adding coverage for your protective equipment. Keeping both you and your gear protected is part of a complete motorcycle insurance plan. We’ll go over the options and help you decide what’s worth covering.
Can I get a discount for being a safe rider?
Yes, many carriers offer discounts for things like completing a safety course, maintaining a clean driving record, or bundling your motorcycle insurance with other policies. We’ll check for all available discounts when quoting your policy. Riding responsibly pays off—in more ways than one.
What kind of bikes can you insure?
We can cover a wide range of motorcycles, including cruisers, touring bikes, sport bikes, dirt bikes, and scooters. Whether you ride something stock or fully customized, we’ll match you with the right protection. Even if you ride seasonally or keep your bike stored for months at a time, we’ll find a policy that fits your lifestyle and your coverage needs.
