Motorcycle Insurance

For many, a motorcycle represents more than just a mode of transport—it’s a symbol of freedom and a significant personal investment. At Openland Insurance, we provide the sophisticated coverage needed to navigate the unique risks of the Texas roads with total confidence.

While the state mandates minimum liability, true security for a rider involves a more comprehensive strategy. Our advisors specialize in curating policies that protect your bike, your gear, and your physical well-being.

To remain compliant with Texas law, every rider must carry liability insurance to cover property damage or bodily injury to others. The state-mandated minimums include:

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

Liability is only the baseline. Because a motorcycle offers less physical protection than a standard vehicle, Openland Insurance recommends a more robust defensive strategy:

• Personal Injury Protection (PIP): Unlike auto insurance, PIP is optional for motorcycles in Texas. We highly recommend this coverage to ensure your medical costs are managed, regardless of who is at fault in an incident.
• Comprehensive & Collision: Protect your investment against more than just accidents. From theft and vandalism to weather-related damage, we ensure you have the resources to repair or replace your bike without a major financial hit.
• Uninsured & Underinsured Coverage: Protect yourself against the thousands of motorists on Texas roads who lack adequate insurance. This ensures your medical bills and repair costs are covered even if the other party is at fault and underinsured.
• Roadside & Specialty Gear Coverage: Whether it’s a breakdown on a long haul or damage to custom parts and safety gear, we can tailor your policy to include specialized riders that protect the "extras" that make your bike yours.

Don't settle for a generic policy that leaves you exposed. Fill out our brief inquiry form to the right, and a dedicated Openland Insurance advisor will reach out to build a custom motorcycle quote that fits your riding style and your budget.