MOTORCYCLE INSURANCE

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We are a Texas-based Insurance Agency and we will shop for the best Motorcycle Insurance in Texas and New Mexico to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote. 

 

Insurance companies will take into consideration many different factors when insuring your motorcycle in Texas and New Mexico. One company is not always the best fit for everyone, that is why we compare companies for you. 

 

Most companies offer coverages similar to Auto Insurance policies. This would include your bodily injury and property damage liability. You may also consider additional Texas and New Mexico Motorcycle Insurance including Medical Payments, Comprehensive and Collision coverage. An Uninsured Motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries. 

INSURANCE COVERAGES

Full Replacement Cost and no Depreciation for Parts

We'll always return your bike to pre-accident condition or better.

 

Example: Your three-year-old handlebar gets damaged in a covered loss. Its depreciated value is only $100, but you need to replace it with a new one that costs $250. We will give you the full $250 for a brand-new handlebar and not the depreciated value of $100. 

Accessories and Custom Parts/Equipment (CPE) 

You'll choose the amount you need to re-customize or restore your bike. We'll automatically include $3,000 of coverage with Comprehensive and Collision to pay for upgrades, customizations, equipment and your accessories. If that's not enough, you can purchase up to $3,000 in coverage. Keep in mind, as you make upgrades to your bike, you may want to increase your accessory coverage limit so you'll be adequately protected. 

Example:  A few months after you bought your bike, you added a custom, diamond-stitch seat to your ride. If it's damaged in an accident, your accessory coverage will replace the seat. A deductible applies.

 

OEM Parts

If you have Original Equipment Manufacturer (OEM) Parts in your bike, we'll always use OEM Parts in repairs. Or if you have customer parts, we'll use custom parts in repairs. With Progressive, you're always covered with the same or better parts. This coverage is included if you add comprehensive and collision. 

Example: Your headlight is damaged in an accident. We'll replace it with one from the original manufacturer. At Progressive, we know you're proud of your bike's brand and you don't want to settle for aftermarket parts. 

STANDARD COVERAGES

Bodily Injury and Property Damage Liability (BI/PD) 

Pays for damages to other vehicles and injuries to others if you're liable in a motorcycle accident, as well as legal expenses if you're sued. Bodily Injury Coverage is mandatory in almost every state. 

Example: You're at fault in an accident with another motorcycle, injuring the rider and damaging their bike. We'll pay for both the rider's injuries and damages to their bike up to the policy's limits. 

Uninsured/Underinsured Motorist (UM/UIM)

What happens if someone who doesn't have insurance hits you? Sometimes, they'll pay out of pocket for damages. But if they can't, UM/UIM pays for your medical bills, damages to your motorcycle and lost wages if you can't work.

Example: You're blindsided by a driver with no insurance and no way to pay for the injuries they've caused. UM/UIM coverage will pay for your injuries up to the limits of your policy. 

Comprehensive and Collision 

Comprehensive pays to repair or replace your motorcycle if it's stolen, vandalized or damaged in a fire or collision with an animal. Collision coverage pays to repair or replace your bike if it's damaged in an accident. You'll be able to choose your deductible amount for Comprehensive and Collision.

Example: You're in a collision with a deer and your motorcycle is totaled. Comprehensive coverage will pay for the actual cash value of the bike, minus any deductible.

Medical Payments 

Pays for you and your passengers' medical bills if you're in an accident, regardless of fault.

Example: You fall off your bike and break your arm. Unfortunately, you don't have health insurance but your policy's medical payments will cover your medical bill up to specified limits.

EXTRA COVERAGES

Total Loss Coverage for a New Motorcycle

Available if your bike is no more than one model year old on a new policy and two model years old during a renewal of a Total Loss coverage policy. If your bike is totaled, we'll give you the full manufacturer's suggested retail price for a brand new bike, minus the deductible on your policy.

Example: Let's say that you bought a motorcycle for $15,000, and it's now only worth $10,000. If it's totaled and the latest model costs over $15,000, we'll give you that amount. If your motorcycle is no longer eligible for Total Loss coverage at renewal, your policy will still cover the actual cash value of your bike.

Roadside Assistance and Trip Interruption

If your bike is disabled anywhere in the United States or Canada, our Roadside Assistance program will tow your bike to the nearest repair shop for free. You can also add trip interruption to pay for food, hotel or transportation up to $500 if you're away from home.

Carried Contents

Covers personal belongings that you carry on your bike if they're damaged, stolen or lost, including phones, camping equipment and hunting gear.

Disappearing Deductible 

We'll take 25% off your deductible for every claim-free Motorcycle Policy you have all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal. 

Enhanced Injury Protection 

If you're injured and can't work, we'll pay you up to $250 every week for two straight years. We'll also add death benefits to this, so if you're in a fatal accident, we'll pay your beneficiaries $25,000.

Cruiser Motorcycle Insurance 

Cruisers are classic-style motorcycles and the most common type of bike. At Progressive, we insure 1 out of every 3 bikes on the road and we make getting Cruiser Motorcycle Insurance quick, easy and affordable. 

 

Here are some of the most common brand cruisers that we insure:  

  • Harley-Davidson 

  • Indian

  • Honda

  • Kawasaki 

  • Suzuki

  • Triumph 

  • Yamaha 

 

Is insurance for cruisers required by law?

Most states will require you to have Liability insurance to legally ride on the road. We'll always make certain your policy meets your state's requirements. Additionally, you'll likely want to protect your motorcycle if it's damaged in an accident, especially if you've invested time and money into your cruiser. 

 

Tips for quoting insurance for your cruiser 

 

  • ​Know the make, model and year of your cruiser for a more accurate quote; you'll need the vehicle identification number to purchase a policy. 

  • Add any possible drivers that may ride your bike to your quote.

  • Disclose any enhancements or modifications you made to your bike's engine. 

  • Taking a motorcycle training course may help you qualify for a discount. 

COVERAGES

Comprehensive and Collision

If your bike is damaged from an event out of your control, like theft or hitting an animal, Comprehensive coverage will pay to repair or replace it. Collision will pay for damages to your cruiser if you collide with another vehicle or object, regardless of fault. 

Accessories and Custom Parts/Equipment

It's common for riders to customize their cruisers, so we offer a special Accessory coverage that pays for up to $3,000 worth of customized parts and is automatically included if you carry comprehensive coverage up to $30,000. 

Full Value for Replacement Parts

If your bike is damaged in an accident, we'll repair it to pre-accident condition or better. For example, you paid $200 for your front tire, but it may have a depreciated value of $100. If it's damaged in a covered accident, we'll pay for the cost of a brand new tire (similar model).

Total Loss 

If your bike is no more than one model year old and totaled in a covered loss, you'll be reimbursed for the full manufacturer's suggested retail price. If your bike model is more than 3 years old and is totaled, we'll pay you the actual cash value of your cruiser.

      

Custom Motorcycle Insurance 

Custom-built motorcycles come in all shapes and sizes. Whether it's a custom chopper or a café racer, custom bikes are truly one-of-a-kind. They can be pre-built, customized by a shop or built by you personally. If your bike is listed in the NADA Appraisal Guide, you can get all of our motorcycle insurance coverages when you quote today!

 

Our coverage applies to most bike manufacturers:

  • Honda

  • Harley-Davidson

  • Yamaha

  • Kawasaki

  • Indian

  • BMW

  • Suzuki

  • Aprilia

Here are some common examples of bikes we won't be able to insure for physical damage:

  • Kit/homemade, non-factory built or composite 

  • The original frame has been replaced 

  • State-assigned VIN

  • Rebuilt or retitled

Do you need Custom Motorcycle Insurance?

Most states require Liability Coverage to be legal on the road. At Progressive, we'll make sure your policy meets all your state's requirements.

Tips for quoting Custom Bike Insurance

  • Increasing your deductible can decrease the amount of your premium.

  • Completing a motorcycle training course may help you qualify for a discount.

  • Earn a multi-policy discount when you bundle your Motorcycle Insurance with your Car, Home, Renters, RV or Boat Insurance.

  • Disclose any modification you've made to your bikes, like a turbo or nitrous oxide kit.

COVERAGES

Bodily Injury & Property Damage Liability

Included in your policy and pays for any damage to other bikes, property (signs, fences, etc.) and covers injuries to other riders. It can also help you pay for legal expenses if you're ever sued.

Comprehensive and Collision

Comprehensive pays for damage to your bike from flooding, hitting an animal and other events beyond your control. Comprehensive also covers theft and vandalism. Collision pays to repair or replace your custom bike if it's damaged in an accident, regardless of fault.

OEM Parts

It doesn't matter if you use Original Equipment Manufacturer (OEM) or custom parts on your bike, we always use the same parts or better to repair the damages.

Carried Contents® for your Personal Belongings

Covers personal belongings, including your phone, that are lost, stolen, damaged or fall off your bike.

Accessories and Custom Parts/Equipment

You get $3,000 of Accessory coverage included in our Comprehensive and Collision coverage on your custom motorcycle less than 25 years old. If that's not enough, you can purchase additional coverage up to $30,000 in total. Plus, our Accessory coverage never depreciates any of your customized parts. However, your bike must be listed with resale values in the NADA Appraisal Guide.

Dirt Bike and Motocross Insurance 

Dirt bikes and motocross are a broad category but typically classified as off-road bikes that are not street-legal in most states. Whether you use your bike for riding on or off the trails, we can help you get the best Dirt Bike Insurance available when you quote online today.

Common types of dirt bikes we insure:

  • Dirt bikes

  • Motocross bikes

  • Pit bikes

  • Off-road bikes

  • Honda CRF Series

  • Yamaha YZ, WR, and TT Series

  • Kawasaki KX and KLX Series

  • Suzuki RM and DR Series

  • KTM SX and XC Series

Do you need Dirt Bike Insurance?

Many states require Liability Insurance on a dirt bike or motocross. At Progressive, when you quote online, we'll make sure you have the coverage you need to meet your state's requirements. 

Tips for quoting Dirt Bike Insurance

  • Many states will require you to have Liability insurance on your Dirt Bike Policy if you plan to ride it.

  • You'll need to know your Vehicle Identification Number (VIN) to start a policy, but you can still get an accurate quote if you know your bike's make, model and year.

  • Completing a motorcycle safety course may help lower your rate even after purchasing a policy.

  • Add all possible riders of your dirt bike to ensure the most accurate quote. 

 

COVERAGES

Bodily Injury & Property Damage Liability

Automatically included and pays for any damage you could cause to other bikes, property (signs, fences, etc.) and injuries you cause to other riders. Plus, this can also help you pay for legal expenses if you're sued.

Comprehensive & Collision

Comprehensive pays for damages from events out of your control like hitting an animal, vandalism and even covers dirt bike theft. Collision will pay to repair or replace your bike is damaged in an accident, regardless of fault.

Total Loss Coverage

Available for newer motorcycles. If your bike is totaled in a covered accident, we'll pay the full manufacturer's suggested retail price for a new bike, minus any deductible.

Scooter and Moped Insurance 

Mopeds and scooters are small, lightweight vehicles powered by pedaling or a small gasoline engine and you'll want to ensure yours the same way you would a motorcycle. Whether you use your bike to cruise casually or for a daily commute, Progressive makes getting Moped insurance as simple as possible. In fact, we'll ensure almost any type and engine size from 50cc all the way up to 500cc. Just quote Scooter or Moped Insurance online and you can get coverage immediately.

Common types of scooters and mopeds we insure include:

  • Vespas 

  • Honda Forza, Ruckus and Metropolitan

  • Yamaha Zuma 

  • Suzuki Burgman

  • Vintage and classic models

Do you need insurance for a scooter or moped?

Liability insurance is required by law if the engine is 50cc or greater. That means you'll be protected up to your policy's limits if you cause damages or injure someone while riding. If you're financing your bike, your lender may require you to carry physical damage coverage. Some states may not require Scooter or Moped Insurance for engines less than 50cc or top speeds below 30 mph. Make sure you know your bike's specifications and check with your state to find out what's mandated.

What are the benefits of a scooter or moped?

With a smaller engine and less weight to haul around, riding a scooter or moped allows for increased fuel efficiency compared to a larger motorcycle or automobile. You won't just save on gas—a parking permit for a scooter or moped typically costs less than one for a car. Plus, the compact size can be particularly beneficial when finding a parking space and navigating crowded areas on a college campus or in a big city.

What are the differences between a scooter and a moped?

Scooters and mopeds are similar, yet there are some differences worth mentioning. Mopeds have pedals and are known for resembling a bicycle, while scooters usually have a step-through design with a platform to rest the operator's feet. They're both two-wheeled vehicles, but scooters are considered more powerful. Mopeds usually have smaller engines and therefore, less power capacity (49cc and under). Scooters have larger engines (50cc up to 150cc) and can reach higher speeds.

Tips for quoting Scooter and Moped insurance

  • Keep in mind, vehicles you can stand on with a platform for your feet are not classified as scooters or mopeds and cannot be insured by Progressive.

  • If you don't know your Vehicle Identification Number (VIN), make sure you know the year, make and model to get the most accurate quote.

  • Completing a motorcycle safety course could lower your insurance rate.

  • Make sure to add all possible riders of your moped to your quote.

 

COVERAGES

Bodily Injury and Property Damage Liability (BI/PD)

Automatically included in your Scooter or Moped Insurance policy, Liability pays for injuries you cause to others plus damages to cars, motorcycles, vehicles and property (signs, fences, etc.).

Comprehensive and Collision

Protect your scooter or moped from physical damage. Comprehensive covers theft, vandalism, hitting an animal and other incidents beyond your control. Collision pays to repair/replace your bike is damaged in an accident with another vehicle or object, even if you're at fault.

Carried Contents and Belongings

Protection for any personal belongings, including your phone, that is damaged, stolen or lost while riding. 

DISCOUNTS

Quote in Advance 

Quote at least one day before your actual policy starts, and you’ll get a discount.

For example: Quote on March 19 and start your policy on March 20 or later. 

Multi-Policy 

You could save even more on Motorcycle Insurance if you have Auto, Home, Renters, Condo, Boat or RV Insurance with us.

Association Member  

You can get a discount if you belong to the Harley Owners Group or United Services Automobile Association (USAA).

Motorcycle Endorsement 

Get a valid motorcycle license or add a motorcycle endorsement to your driver's license and we’ll add another discount. 

Safety Course 

Just complete an approved motorcycle, ATV or snowmobile safety course and you could lower your Motorcycle Insurance rate again.

Switch or Transfer from Another Company 

Already insured by another company? Switch to us and we’ll say thanks with another discount.

Responsible Driver 

You’ll earn a discount if you’ve had no accidents or motor vehicle violations for the past three years. 

Pay in Full 

Just pay your policy in full (all at once) and we’ll pay you back with a discount.

 

Pay on Time

The easiest way to save! We’ll give you this discount automatically with your first policy and you’ll have it at every renewal as long as you continue to pay on time.

 

Small Accident Forgiveness 

Earn accident forgiveness the minute you start your Motorcycle Policy—your rate won’t increase if you have a claim of $500 or less.

Large Accident Forgiveness 

Your rate won’t increase for any motorcycle accident if you’ve been a Progressive customer for at least four years and accident-free for the past three years.

Disappearing Deductibles 

Add this coverage and for every claim-free period on your motorcycle policy, we’ll subtract 25% from your deductible amount …all the way down to $0!