Overview of Motorcycle Insurance
Motorcycle insurance is a crucial form of financial protection designed specifically for motorcycle owners and riders. Whether you’re cruising through the Texas Hill Country or commuting through the streets of San Antonio, having the right insurance policy ensures you’re prepared for the unexpected. At its core, motorcycle insurance helps cover costs related to accidents, injuries, theft, and damages—both to your bike and others involved in an incident.
Much like auto insurance, motorcycle insurance is a contract between you and your insurance provider. You pay a premium, and in return, the insurer helps pay for losses and liability outlined in your policy. The specific protections and coverage options can vary widely depending on your bike, your riding habits, and your needs. That’s where NuSure Insurance in San Antonio steps in—to help you craft a custom policy that keeps you fully protected on and off the road.
A comprehensive motorcycle insurance policy typically includes the following coverage options:
Liability Coverage: Covers bodily injury and property damage you may cause to others while operating your motorcycle.
Collision Coverage: Pays for damage to your motorcycle caused by a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage: Protects against non-collision-related incidents such as theft, fire, vandalism, hail, or animal strikes.
Uninsured/Underinsured Motorist Coverage: Offers protection if you’re hit by a driver who has too little—or no—insurance.
Medical Payments Coverage: Assists with your medical bills after an accident, no matter who was at fault.
Personal Injury Protection (PIP): Provides broader medical and rehabilitation expense coverage, depending on the state.
These policies can also include add-ons such as roadside assistance, custom parts coverage, trip interruption protection, and transport trailer coverage—each offering added peace of mind for riders who live life on two wheels.
Who Needs Motorcycle Insurance?
If you own and operate a motorcycle, scooter, trike, or other two- or three-wheeled motorized vehicle, you need motorcycle insurance. It’s not only required by law in Texas—it’s also one of the smartest decisions you can make as a rider. At NuSure Insurance, we help motorcyclists across San Antonio and the surrounding areas find the right balance of coverage, affordability, and peace of mind.
You should strongly consider motorcycle insurance if:
You Own a Motorcycle: Whether it’s brand-new or vintage, fully insured or customized with aftermarket parts, your bike deserves protection.
You Ride Regularly: Daily commuters, weekend riders, and seasonal road-trippers all face risks on the road—including accidents, theft, and severe weather.
You Have Passengers: Some policies include passenger liability coverage to help protect your guests if an accident occurs.
You’re Concerned About Liability: Motorcycle accidents can lead to costly lawsuits. Insurance helps protect your assets if you’re found responsible for someone else’s injuries or property damage.
You Value Financial Security: Medical bills, legal fees, and repairs can add up quickly. Without insurance, these expenses could fall squarely on your shoulders.
Even experienced riders are vulnerable to unpredictable drivers, road conditions, or inclement weather. Motorcycle insurance acts as your safety net, ensuring that a single incident doesn’t jeopardize your financial future.
Texas Motorcycle Insurance Requirements
In the state of Texas, motorcycle riders are legally required to carry minimum liability insurance that includes:
$30,000 for bodily injury per person
$60,000 for total bodily injury per accident
$25,000 for property damage per accident
This is commonly referred to as 30/60/25 coverage. While it meets state requirements, it often doesn’t go far enough to fully protect riders, especially in more serious accidents. At NuSure Insurance, we help riders go beyond the minimum by recommending affordable options for comprehensive, collision, and uninsured motorist coverage—so you’re never left unprotected.
Specialized Coverage for Unique Riders
Not all motorcycles or riders are the same. That’s why NuSure Insurance offers specialized coverage options to suit your individual style and riding needs. Whether you ride a:
Cruiser or Touring Bike
Sport or Street Motorcycle
Scooter or Moped
Custom or Vintage Bike
Three-Wheel Motorcycle or Trike
We’ll work with you to find a policy that reflects how—and how often—you ride. If you’ve invested in upgrades like custom paint, chrome parts, saddlebags, or GPS systems, we can help you add accessory coverage to your policy to protect those enhancements.
Why Choose NuSure Insurance for Motorcycle Coverage?
At NuSure Insurance in San Antonio, we know that your motorcycle is more than just a mode of transportation—it’s a passion, a hobby, and a way of life. That’s why we make it our mission to help riders like you protect what matters most. When you work with us, you benefit from:
Local Expertise: We understand the unique risks of riding in Texas, from rural backroads to congested highways.
Access to Multiple Carriers: We shop a variety of trusted insurers to get you competitive rates and quality coverage.
Customized Policies: Whether you’re a daily commuter or a weekend warrior, we build a plan that fits your lifestyle.
Friendly, Professional Service: We’re here to answer your questions, explain your options, and guide you through the claims process if the unexpected happens.
FAQ about Motorcycle Insurance
Motorcycle insurance typically offers coverage for damage to your motorcycle, liability for injuries or damages caused to others, and medical payments or personal injury protection for your injuries. Coverage depends on the specific policy.
In most states, motorcycle insurance is a legal requirement. The type and amount of coverage required can vary from state to state.
The cost of motorcycle insurance depends on various factors, including your age, riding history, your motorcycle’s make and model, and where you live.
Our Network of Top Carriers
The NuSure Difference in Motorcycle Insurance
- NuSure Let’s You Find the Best Quote: Every rider is unique, and so are their insurance needs. Complete one form and NuSure will match you with quotes from top carriers in your area, ensuring a policy tailored to you.
- NuSure Helps You Compare Your Options: NuSure brings together options from the top carriers, letting you compare personalized policies that fit your specific needs and lifestyle.
- Get Your Policy: After you’ve chosen the best policy, finalize your purchase online or talk with a NuSure advisor over the phone. We make the process smooth, efficient, and catered to you.
