Motorcycle Insurance in Temple, Texas

What Is Motorcycle Insurance?

Motorcycle insurance is coverage designed specifically for motorcycles, scooters, and similar two-wheeled vehicles. Your auto insurance policy does not cover motorcycles—you need a separate policy. Texas law requires liability coverage for all registered motorcycles, but a complete policy protects much more. For Temple riders, motorcycle insurance covers collision damage, theft, medical expenses, and uninsured motorist protection.

Winkler Insurance helps Central Texas riders find motorcycle coverage that fits their bike and budget. We compare rates from multiple carriers to get you solid protection at a fair price.

Why Temple Riders Need Motorcycle Insurance

Riding through Central Texas is rewarding, but the risks are real. Here's why motorcycle insurance matters:

• Texas requires liability coverage. You cannot legally ride without minimum liability insurance.


• Motorcyclists face higher injury risk. Without a vehicle frame around you, accidents are more likely to cause serious injury.


• Your auto policy won't cover your bike. Motorcycles require a separate, specialized policy.


• Theft is common. Motorcycles are easy targets for thieves.


• Uninsured drivers are everywhere. Texas has a high rate of uninsured motorists who could injure you.

What Does Motorcycle Insurance Cover?

A motorcycle insurance policy typically includes:

Liability Coverage
Pays for injuries and property damage you cause to others. Texas requires minimum 30/60/25 limits.

Collision Coverage
Pays to repair your motorcycle after an accident, regardless of fault.

Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and animal strikes.

Uninsured/Underinsured Motorist Coverage
Protects you when the at-fault driver has no insurance or insufficient coverage. Highly recommended for Texas riders.

Medical Payments Coverage
Covers your medical expenses after an accident, regardless of fault.

Accessory Coverage
Covers custom parts and accessories you've added to your bike.

Roadside Assistance
Provides towing and emergency help if you break down.

What Affects Motorcycle Insurance Rates?

Several factors determine your premium: motorcycle type and engine size, your age and riding experience, driving record, annual mileage, and where you store your bike. Sport bikes typically cost more to insure than cruisers. Completing a motorcycle safety course can earn discounts with many carriers.

How Much Does Motorcycle Insurance Cost in Texas?

Motorcycle insurance in Texas typically costs $200 to $800 annually for full coverage, though sport bikes and high-performance motorcycles cost more. Liability-only coverage runs less but leaves your bike unprotected. Temple riders often find competitive rates by bundling motorcycle coverage with auto or homeowners insurance.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas riders find motorcycle coverage that fits their needs. As an independent agency, we compare motorcycle insurance rates from multiple carriers to find you the best protection at a fair price. Our Temple agents ride too—we understand what coverage matters.

Get a Motorcycle Insurance Quote in Temple, Texas

Our motorcycle insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.