# Motorcycle Insurance Arlington, TX | Robinson Legacy Partners > Allstate motorcycle insurance in Arlington, TX: 30/60/25 liability, UM/UIM, hail and theft coverage, gear and custom parts. Seven languages. Call (817) 262-5300. Source: https://www.robinsonlegacypartners.com/motorcycle-insurance [Home](https://www.robinsonlegacypartners.com/) / Motorcycle Insurance # Texas Motorcycle Insurance: A long riding season. Zero margin for bare. North Texas rides nearly year-round: DFW highways on a mild January afternoon, the Hill Country in April. It also shares the road with one in seven drivers carrying nothing at all. Build the policy for both. [Get My Free Rider Quote](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [or call **(817) 262-5300**](tel:+18172625300) 30/60/25 TX Minimum Liability 1 in 7 TX Drivers Uninsured 21+ Helmet Optional, With Strings 15 min To a Real Quote The Quick Answer A Texas motorcycle needs its own **30/60/25 liability** policy; your auto policy does not cover it. The coverage that matters most here is ** uninsured/underinsured motorist**: roughly ** one in seven Texas drivers carries nothing**, and on a bike you have no steel around you. Insurers must offer UM/UIM and ** PIP**, and declining either takes a written rejection we almost never recommend signing. Two rules riders ask about: ** lane splitting is not legal in Texas** (it is ticketable and hands the other side a fault argument), and the ** helmet** is mandatory under 21, optional at 21+ only with an approved ** safety course or qualifying health coverage**. In North Texas, ** hail and theft** are the comprehensive constants, whether the bike is commuting on I-20 and SH-360 or parked between Hill Country trips. Round out the policy with ** custom parts coverage** (defaults are small), ** safety apparel** for the four-figure kit, and ** guest passenger liability** if anyone rides behind you. ** Robinson Legacy Partners**, the Allstate agency of Clarence Robinson II in Arlington, quotes riders free, in seven languages, at **[(817) 262-5300](tel:+18172625300)**. Required : 30/60/25, on its own policy Most important add : UM/UIM — 1 in 7 ride against nothing Lane splitting : Not legal in Texas Call Arlington office : [(817) 262-5300](tel:+18172625300) Texas Motorcycle Insurance, The Short Version ## North Texas gives riders a long season. And one in seven reasons to armor the policy. Start with what makes riding here good: the season barely closes. Mild winter afternoons on the farm roads south of Mansfield and Midlothian, spring weekends chasing Hill Country sweepers, summer evening loops once the heat breaks. A handful of ice days is about all that parks a North Texas bike. More months on the road means more miles, and more miles mean the policy is not a formality — it is equipment, as real as the helmet. Now the part that shapes every recommendation on this page. Roughly **one in seven Texas drivers carries no insurance at all**, and plenty more carry the bare 30/60/25 minimum. In a car, that is an annoyance. On a bike, you are the crumple zone, and the driver who turned left in front of you being uninsured turns a bad day into a financial one. That is why ** uninsured/underinsured motorist coverage** is the first thing we size on a rider policy, matched to real limits, with the written-rejection form left unsigned. Texas also runs its rider rules differently than some other states. **Lane splitting is not legal here** — however tempting stopped I-30 traffic looks at rush hour — and doing it before a crash costs you twice: the ticket, and a fault argument against your recovery. The ** helmet** is mandatory under 21; at 21 and over, Texas lets you ride without one only if you have completed an approved safety course or carry qualifying health coverage — and either way, the helmet quietly protects your injury claim as well as your head. The rest is making the policy match the bike you actually ride: **custom parts coverage** above the tiny default, ** safety apparel** for the gear, ** guest passenger liability** if anyone rides with you, and comprehensive against the two North Texas constants — theft and hail, the kind of spring storm that can total a bike parked outside. One call to our Arlington office, bundled with the car and the house, and it is often cheaper than riders expect. ## What a rider policy needs. And the three gaps nobody mentions. The required part is small. The parts that decide whether a bad day ruins you are all optional. Required by law 30/60/25 ### Liability The same 30/60/25 Texas requires of a car, on the bike's own policy. Covers what you do to others' bodies and property, plus defense. On a vehicle this exposed, we treat the minimum as the floor for the conversation, not the recommendation. Do not decline UM / UIM ### Uninsured Motorist Must be offered, and you can only refuse it in writing. Roughly one in seven Texas drivers has nothing, and on a bike you have no steel around you. This is the coverage that pays when the guy who turned left in front of you cannot. Strongly recommended Med Pay ### Medical Payments Liability pays the other person. This pays you, regardless of fault, and it lands before your health plan deductible does. Inexpensive, and on two wheels even a modest get-off means an ambulance. If you'd miss it Comp & Collision ### Physical Damage Repairs or replaces the bike. Comprehensive matters more than riders think: motorcycles are easy targets for thieves, and DFW is among the most hail-prone metros in the country. Your garage is not coverage, and your apartment carport definitely is not. Off-season Lay-Up ### Lay-Up / Seasonal If the bike truly sits for months, ask whether a lay-up or reduced-coverage option is available instead of cancelling. The goal is keeping comprehensive alive against theft and hail. Cancelling creates a coverage gap that can raise what you pay later. Free money TX MSF ### Safety Course Discount An approved motorcycle safety course may qualify you for a discount, is part of getting your Class M license, and is one path to the 21-and-over helmet exemption. Safer, licensed, and potentially cheaper to insure. Take it. Usually a gap Your Mods ### Custom Parts & Equipment Standard policies assume a stock bike and cap accessories at a small default. Exhaust, bars, bags, seat, paint, lighting, engine work. Add up what you have spent past stock, then ask us about raising the limit to match. Usually a gap Your Gear ### Safety Apparel Helmet, jacket, gloves, boots, armor. It is not part of the bike, so the bike's coverage does not replace it. A full kit runs into four figures and one get-off destroys all of it at once, in the same crash that bent the frame. Check this Passengers ### Guest Passenger Liability Some rider policies limit or exclude passenger liability, or make it an add-on. The person on the back is the most likely to be badly hurt in your crash. If you ever carry anyone, this line is not optional. ### Is your bike insured as the bike you actually built? Mods, gear, and the passenger line are the three we find wrong most often. Send us your declarations page and we will read it with you, free. [Check My Policy](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [Call (817) 262-5300](tel:+18172625300) The Texas Rules That Matter ## Four things that change how a claim goes here. Texas treats riders differently than some other states — looser in some ways, and less forgiving in the ones that decide what a claim pays. ### 1. One in seven, and you're the crumple zone Texas requires every rider and driver to carry liability, and plenty ignore the law. With roughly **one in seven drivers uninsured** and many more at minimum limits, the practical rule on I-20 and I-35W is simple: the coverage most likely to pay for *your* hospital stay is your own **UM/UIM**, stacked with ** PIP** and your health insurance. Size that stack like your femur depends on it. ### 2. Lane splitting is not legal here Texas law does not authorize splitting or filtering; riding between lanes is ticketable. The insurance angle is what makes it expensive: Texas runs **modified comparative negligence with a 51 percent bar**, so splitting before a crash hands the other side a ready-made fault argument — and if they push you past 50 percent, your recovery is zero. Legislators keep filing filtering bills; until one passes, stay in the lane. ### 3. The helmet is a legal issue twice Under 21: DOT-compliant helmet, every ride, no exceptions. At 21 and over, Texas allows riding without one only if you have completed an approved **motorcycle operator training course** or carry ** qualifying health coverage**. Then the second issue: after a crash involving head injuries, the missing helmet has a way of showing up in the argument over what you recover. The exemption is real. So is the trade. ### 4. Your auto policy is not helping A motorcycle is never covered by your car's policy; it needs its own. The upside of doing it properly: bikes often rate cheaper than people expect, and bundling the bike with the [auto](https://www.robinsonlegacypartners.com/auto-insurance) and [home](https://www.robinsonlegacypartners.com/home-insurance) policies may qualify you for a multi-policy discount. One call, one local Allstate agent, the whole garage. ### Let it lapse at some point? Get it back in force today. A gap can raise your rate, exposes the bike to theft and hail while parked, and leaves you bare against the one-in-seven. One call to (817) 262-5300 starts fixing it. [Get Covered Now](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [Call (817) 262-5300](tel:+18172625300) ## Whatever you ride. However you ride it. A daily I-20 commuter and a garage-queen restoration are not the same policy. Tell us which one you are. [### Daily commuters I-20, I-30, SH-360, or I-35W every day, sitting in the same traffic as everyone else since Texas does not allow lane splitting. More exposure, more miles, and UM coverage matters most for you because you are surrounded by the people who cause the crashes.](https://www.robinsonlegacypartners.com/quote) [### Builds & heavily modified bikes If your bike left stock a long time ago, the default accessory limit is not close. Custom parts and equipment coverage exists exactly for you, and it costs very little.](https://www.robinsonlegacypartners.com/quote) [### Weekend & Hill Country riders A Hill Country run or a loop around the lakes a few times a month, parked the rest. Ask about options that keep theft and hail coverage alive without paying for road exposure you are not using.](https://www.robinsonlegacypartners.com/quote) [### Riders who carry passengers Guest passenger liability is limited or excluded more often than riders realize. If anyone ever gets on the back, this gets checked before you ride, not after.](https://www.robinsonlegacypartners.com/quote) [### Classics & collectibles A vintage bike is not worth its depreciated book value and should not be insured as if it were. Agreed value is the conversation, the same as it is for any collector vehicle.](https://www.robinsonlegacypartners.com/quote) [### New riders Highest risk, lowest experience, and one of the best moves available to you is the safety course you need for your Class M anyway. Start with real limits rather than the legal floor.](https://www.robinsonlegacypartners.com/quote) ### One call, and it's usually cheaper than you think. You ride fewer miles than you drive, and it bundles with the car and the house. Tell us about the bike, in English, Spanish, Arabic, Hindi, Punjabi, Urdu, or Coptic, and we will quote it properly. [Get My Free Quote](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [Call (817) 262-5300](tel:+18172625300) ## Motorcycle insurance in Arlington. And across North Texas. Where you park it matters as much as where you ride it. Theft rates and premiums both move ZIP by ZIP, from south Arlington to Fort Worth and Dallas, and we write riders across all of Texas. [Get Quote](https://www.robinsonlegacypartners.com/quote) [Arlington](https://www.robinsonlegacypartners.com/quote) [Grand Prairie](https://www.robinsonlegacypartners.com/quote) [Mansfield](https://www.robinsonlegacypartners.com/quote) [Fort Worth](https://www.robinsonlegacypartners.com/quote) [Dallas](https://www.robinsonlegacypartners.com/quote) [Kennedale](https://www.robinsonlegacypartners.com/quote) [Pantego](https://www.robinsonlegacypartners.com/quote) [Dalworthington Gardens](https://www.robinsonlegacypartners.com/quote) [Irving](https://www.robinsonlegacypartners.com/quote) [Euless](https://www.robinsonlegacypartners.com/quote) [Bedford](https://www.robinsonlegacypartners.com/quote) [Cedar Hill](https://www.robinsonlegacypartners.com/quote) [Burleson](https://www.robinsonlegacypartners.com/quote) [Midlothian](https://www.robinsonlegacypartners.com/quote) [Tarrant County](https://www.robinsonlegacypartners.com/quote) [All of Texas](https://www.robinsonlegacypartners.com/quote) ## Texas rider questions. Straight answers. Is motorcycle insurance required in Texas?+ Yes. A motorcycle is a motor vehicle, so it needs the same 30/60/25 liability Texas requires of a car: $30,000 per injured person, $60,000 per accident, and $25,000 in property damage. Insurers must offer PIP and uninsured/underinsured motorist coverage, and declining either requires written rejection. On a bike, we almost never recommend rejecting UM/UIM. Does my auto policy cover my motorcycle?+ No. A motorcycle needs its own policy; your auto policy does not extend to it. The good news is that bike policies are usually cheaper than people expect — you ride fewer miles than you drive — and bundling the bike with your auto and home trims the whole stack. What happens if an uninsured driver hits me?+ This is the rider question in Texas, because roughly one in seven drivers carries no insurance and on a bike you are the crumple zone. Uninsured/underinsured motorist coverage steps into the at-fault driver's shoes and pays for your injuries, and UM property damage covers the bike. It is the single most important optional coverage on a Texas rider policy. Is lane splitting legal in Texas?+ No. Texas law does not authorize lane splitting or filtering; riding between lanes can be ticketed, and doing it before a crash gives the other side a fault argument under Texas's modified comparative negligence system, where being found 51 percent or more at fault bars recovery. However tempting stopped traffic on I-30 or I-20 looks, splitting costs you legally twice. Do I have to wear a helmet in Texas?+ Under 21: yes, DOT-compliant, no exceptions. At 21 and over, Texas allows riding without a helmet only if you have completed an approved motorcycle operator training course or carry qualifying health insurance coverage. There is a second, quieter issue: after a crash, not wearing a helmet can be raised when head injuries are involved. The helmet protects your head and your claim. Does liability coverage pay for my own injuries?+ No. Liability pays for the people you injure and the property you damage. Your own injuries are covered by PIP or medical payments, your health insurance, and — when the other driver is at fault and uninsured or underinsured — your UM/UIM coverage. On a bike, building that injury stack deliberately matters more than on any car. Are my custom parts and accessories covered?+ Only up to a small default limit, and Texas bikes wear real money: pipes, bars, seats, luggage, chrome, paint. Custom parts and equipment coverage can raise that limit to match reality. Bring us the receipts, or at least an honest list, and we will size it properly. Is my riding gear covered?+ Not automatically. Your helmet, jacket, gloves, boots, and armor are not part of the motorcycle, so the bike's physical damage coverage does not replace them. A full kit runs into four figures and one get-off destroys all of it at once. Ask us whether safety apparel coverage can be added to your policy. Is my passenger covered?+ Check, do not assume. Guest passenger liability covers the person on the back — the one most likely to be seriously hurt in your crash and whose family is most likely to file the claim. Some policies include it, some do not. If you ever carry anyone, make sure yours does. Can I drop coverage in the off-season?+ What off-season? North Texas rides most of the year, which is exactly why lapsing is a bad trade here: a parked bike still gets stolen or hammered by a spring hailstorm — both comprehensive claims — and a coverage gap can raise what you pay when you restart. If the bike truly hibernates, ask whether a lay-up or reduced-coverage option is available that keeps comprehensive alive. Cancelling outright saves less than you think. Will a safety course lower my rate?+ It can help three ways. An approved motorcycle safety course may qualify you for a discount, it is part of getting your Class M license, and for riders 21 and over it is one of the two paths to Texas's helmet exemption. Safer, licensed, and potentially cheaper to insure. Take it. Do scooters and mopeds need insurance too?+ If it is registered for the road, it needs liability coverage, and small displacement does not shrink the liability: a 150cc scooter can put a pedestrian in the hospital as effectively as a liter bike. Tell us what you ride, whether it is a scooter for getting around UT Arlington or a touring bike, and we will write it correctly. Still have questions? [Call (817) 262-5300](tel:+18172625300). We will give you a straight answer. ## Bundle the bike with the rest. [Get a rider quote](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [Auto insurance](https://www.robinsonlegacypartners.com/auto-insurance) [RV & recreational](https://www.robinsonlegacypartners.com/rv-insurance) [Call (817) 262-5300](tel:+18172625300) ## Ride it. Don't worry about it. Free, fast, and in plain English. Tell us what you ride, what you have done to it, and who rides with you. We will build Allstate coverage around the actual bike and quote it in about 15 minutes. [Get My Free Rider Quote](https://www.robinsonlegacypartners.com/quote?type=motorcycle) [or call **(817) 262-5300**](tel:+18172625300) --- **Robinson Legacy Partners** · 700 Highlander Blvd, Suite 405, Arlington, TX 76015 · (817) 262-5300 · Mon–Fri 8:30 AM–5:00 PM Central Request a quote: https://www.robinsonlegacypartners.com/quote-request (plain HTML form) or https://www.robinsonlegacypartners.com/quote (guided).