Motorcycle Insurance Quote

An Insurance Specialist will contact you
to develop a personalized quote.

Texas Motorcycle Insurance

Keeping your motorcycle in tip-top shape is costly enough without the added expense of an accident. If you find yourself at fault in an accident, the right coverage will help lessen the financial blow of paying the other driver’s medical expenses. Let our team help you pick the best coverage at the right price.

What’s Covered?

Texas Motorcycle Insurance Coverage

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Collision Coverage

Collision coverage pays to repair or replace your bike if it is damaged in an accident. Collision coverage is often required if your motorcycle is financed or leased.

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This motorcycle coverage can help pay for damage to your vehicle from vandalism, theft, weather events and falling objects.  This is also known as “other than collision” coverage.

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Liability Bodily Injury

If you cause an accident and someone is injured, other than a guest passenger, this motorcycle insurance coverage can pay their medical bills and loss of income.

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Liability Property Damage

This coverage may help pay for damages to another person’s vehicle or property, if you cause an accident.

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Personal Liability

Can protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing injury or property damage to others.

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Liability Guest Passenger

This covers medical expenses for a guest passenger riding with you on your motorcycle. This does not include your spouse, who is already protected under your medical coverage.

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Uninsured or underinsured motorcycle coverage

Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your motorcycle.

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Medical Payments to Others

Commonly known as Personal Injury Protection (PIP), med pay can help cover medical costs related to an accident, regardless of who’s at fault.

Motorcycle Coverage Options

Express your personality with custom equipment and rest assured that it’s covered. Many carriers provide additional custom parts and equipment coverage at no charge. You also have the option to increase the total coverage bike.

You want to be sure the repairs are done right if something happens to your bike. Most national carriers basic motorcycle coverage automatically includes use of original equipment manufacturer (OEM) parts during repairs.

If you take safety seriously some carriers provide coverage per person, per incident to replace your helmet, jacket, boots, gloves, and other safety apparel lost or damaged in a collision. 

Help is on the way if you need it so ride with confidence. Motorcycle roadside assistance may include towing to the nearest qualified repair shop, fuel and fluids delivery, basic emergency services, trip interruption benefits, and more.

Trip interruption benefits may be included with your coverage. This will help pay for food and lodging if you’re stranded far from home due to a breakdown.

Save on Motorcycle Insurance

There are multiple ways to save on Motorcycle, Scooter, and ATV Insurance premiums. Find out which insurance discounts you qualify for and start your quote today.

Motorcycle Insurance Discounts

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Bundle and Save

You can save on motorcycle insurance when you have both a car and motorcycle insurance policy with the same carrier.


Multiple Policy Discounts

Save even more when you add multiple policies with the same carrier as Motorcycle, Boat, or RV coverage. 

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Theft Recovery Devices

Some carriers offer discounts for radio or GPS theft-recovery system. Adding one could save you money on comprehensive coverage.

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Brake Check

You may receive a discount if your motorcycle is equipped with a factory-installed Anti-Lock Braking System (ABS)

Home Ownership Discounts

Most carriers offer a discount on your motorcycle insurance if you own a home or condo, even if you insure it with a different carrier.

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Riders Safety Course

Complete an approved motorcycle, ATV, or snowmobile safety course and you could lower your motorcycle insurance again.

Safe Rider Claims Free Discount

Most carriers reward safe driving and riding. No accidents, violations, or major comprehensive claims could save you hundreds.

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Pay In Full

Receive a discount for your motorcycle insurance by paying your entire policy premium in full when you buy or renew your policy.


Riders Association

If you’re a member of a riding association, such as the Harley Owners Group, or United Services Automobile Assoc. (USAA) you can earn a discount.

Is your ATV/UTV fully covered?

ATV/UTV insurance can help cover the injuries or damages you’re liable for and any repairs to your vehicle. If you’re operating an ATV on government land, or off your property in general, your homeowner’s insurance might not cover it.  With a little help from Lifetime Insurance, you won’t miss any off-road fun.


Select A Coverage

With our assistance, you determine the type and level of coverage that best fits your lifestyle and risk tolerance.


Get A Quote

We do all the heavy lifting to find you the most coverage at the best price based on your personal needs.

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Get Covered

Enjoy the peace of mind that you are covered and that you have a team of professionals here when you need us!

Why Rockwall Texas Loves Us!

Here are just a few of the real Google reviews from our clients.
Read more Google reviews here or leave us a review here.


I had no idea I could save this much over going straight to a single large carrier. I found the same or increased coverage and a better price. They answered every question I had and found the best price. Everything I needed from an insurance agent and more.

P.B. | McKinney TX


Very helpful and friendly staff. I moved all my insurance needs to Lifetime Insurance because of the savings and service. They helped me find the best coverage and price for my car, homeowners, boat, and even my golf cart insurance.

B.D. | Garland TX


Great experience Jon is always helpful, very professional puts together options and explains in detail how they differ. Their team is willing to go the extra mile to get me taken care of! Highly recommend...

M.H. | Rockwall TX


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