What We Cover
Motorcyclists face risks that car drivers simply don’t. The National Highway Traffic Safety Administration reports that motorcyclists are 29 times more likely to die in a crash than passenger car occupants per mile traveled. In Texas, where you can ride year-round, that exposure adds up. A single accident without proper coverage can leave you with six-figure medical bills, a totaled bike, and no recourse against an uninsured driver.
Collin County Insurance Group writes motorcycle insurance for every type of rider and bike — from weekend cruisers to daily commuters, vintage restorations to brand-new sport bikes. We shop across multiple carriers to find competitive rates, even for high-performance machines and younger riders.
What We Cover
Liability Coverage pays for injuries and property damage you cause to others in an at-fault accident. Texas requires minimum motorcycle liability limits of 30/60/25, but those minimums are woefully inadequate given the severity of motorcycle crashes. We recommend at least 100/300/100 for most riders, with higher limits for riders with significant assets.
Collision covers damage to your motorcycle in an accident with another vehicle or object, regardless of fault. For a $15,000–$30,000 motorcycle, a $500 or $1,000 deductible makes collision coverage essential — especially given how vulnerable bikes are in any collision.
Comprehensive covers theft, vandalism, fire, hail, falling objects, and animal strikes. Motorcycle theft is a real concern — bikes are easier to steal than cars, and recovery rates are lower. In North Texas, hail damage is an additional risk every spring.
Uninsured / Underinsured Motorist (UM/UIM) protects you when the at-fault driver has no insurance or not enough. This is especially critical for motorcyclists because accidents involving motorcycles tend to produce severe injuries. With roughly 1 in 5 Texas drivers uninsured, UM/UIM coverage isn’t optional — it’s essential.
Accessory & Custom Parts coverage extends beyond the bike’s factory value to include aftermarket additions — exhaust systems, custom paint, chrome, saddlebags, windshields, audio systems, and performance upgrades. Standard policies typically cap custom parts at $1,000–$3,000. If you’ve invested in modifications, make sure your coverage reflects the actual value.
Medical Payments covers your medical expenses after an accident, regardless of fault. Given the severity of motorcycle injuries — broken bones, road rash, head injuries, and orthopedic surgeries — medical payments coverage fills a critical gap while liability claims are being resolved.
Roadside Assistance & Towing covers towing, flat tire service, fuel delivery, and lockout assistance. A motorcycle breakdown on Highway 75 or the Dallas North Tollway isn’t just inconvenient — it’s dangerous. Roadside assistance gets you to safety quickly.
Types of Motorcycles We Insure
We write coverage for every type of motorcycle, regardless of engine size or riding style:
- Cruisers and touring bikes — Harley-Davidson, Indian, Honda Gold Wing, and similar
- Sport bikes — Yamaha R-series, Kawasaki Ninja, Honda CBR, Suzuki GSX-R, and Ducati models
- Adventure and dual-sport — BMW GS series, KTM Adventure, Honda Africa Twin
- Standard and naked bikes — Honda CB, Yamaha MT, Kawasaki Z series
- Vintage and classic motorcycles — agreed-value policies to protect restored and collectible bikes
- Trikes and three-wheelers — Can-Am Spyder, Harley Tri Glide, and conversion trikes
- Scooters and mopeds — Vespa, Honda PCX, and similar urban commuters
Saving on Motorcycle Insurance
Motorcycle insurance doesn’t have to be expensive. We help you find every available discount:
- Motorcycle Safety Foundation (MSF) course — completing a rider safety course reduces premiums with most carriers, and Texas waives the riding skills test for MSF graduates
- Bundle with auto or home — adding your motorcycle to an existing auto or homeowners policy often earns a 10–15% multi-policy discount
- Anti-theft devices — alarms, GPS trackers, disc locks, and ground anchors qualify for discounts
- Lay-up / seasonal storage — if you store your bike during winter months, some carriers offer reduced rates during the storage period by suspending collision and liability while keeping comprehensive active
- Riding experience and clean record — experienced riders with no claims or violations earn the best rates
- Mature rider discounts — riders over 25 (and especially over 50) typically qualify for lower premiums
Why Choose Collin County Insurance Group
Motorcycle insurance pricing varies significantly between carriers, especially for sport bikes, younger riders, and custom machines. Tony Nichols shops your motorcycle across multiple carriers — comparing not just price, but coverage forms, custom parts limits, and claims handling reputation. We know which carriers treat motorcyclists fairly when a claim hits.
Whether you ride a Harley Street Glide on weekend poker runs or commute daily on a Kawasaki Z650, we’ll find the right coverage at a competitive price. And if you also own a car, truck, or RV, we can bundle everything for maximum savings.
Ready to ride with confidence? Contact us for a free quote today.
