Motorcycle Insurance in Amarillo, TX - Compare Quotes & Save
Riding around I-40, I-27, and the streets of Amarillo demands coverage for open roads, high winds, and varying weather. We’ll set the right liability, UM/UIM (where applicable), and protect your bike with comprehensive & collision, schedule accessories-all while unlocking rider discounts.
Texas Requirements (What You Must Know)
Minimum Liability
Current TX minimums are $30,000/$60,000 bodily injury and $25,000 property damage. We’ll quote higher limits that better fit Amarillo’s exposure to rural and highway riding.
No PIP on Motorcycles
Texas does not provide PIP benefits for motorcycles. Add Medical Payments (MedPay) to help with medical expenses regardless of fault.
Helmet & Eye Protection
Texas requires helmets for riders under 21 or with less than one year of experience. Use approved helmets and eye protection for safety on open roads.
Inspection & Lane Splitting
Annual safety inspections are required in most TX counties. Lane splitting is not permitted-follow traffic laws to avoid citations.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Amarillo Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for highway exposure
- Property Damage: $50k-$100k common in rural areas
UM/UIM
- Consider adding to protect from underinsured drivers on I-40
- Options vary by carrier in Texas
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, weather, animal strikes, crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for luggage, bars, windscreens
Roadside & Trip Interruption
- Towing, jumpstarts, flats-peace of mind on long rides
- Hotel/meals after a covered breakdown (carrier-specific)
Safety pays: ABS-equipped models can lower premiums and improve safety on windy Texas roads.
Amarillo Riding Realities (and How We Insure Around Them)
- Open highways & high winds: From I-40 to local routes, visibility and stability matter-favor higher BI/PD and comprehensive coverage.
- Theft risk: Garaging and anti-theft devices help with pricing. Pair with higher comprehensive and accessories limits.
- Weather variability: From dust storms to heat, consider lower comp/collision deductibles and roadside assistance.
Getting Your TX Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to DPS
- Add the M endorsement
Permit + Testing Path
- Get motorcycle examination permit (knowledge + vision)
- Practice under permit restrictions
- Take DPS road test; add M endorsement
Bike Size & Restrictions
Testing on a small-displacement bike can trigger restrictions. Completing an approved course typically removes this-ask us if you’re unsure.
What Our Customers Are Saying
What Amarillo Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | For highway and rural exposure |
| UM/UIM | Varies by carrier | Protects against underinsured drivers |
| MedPay | $5k-$25k | Helpful for medical costs |
| Comp/Collision | $250-$1,000 deductibles | Adjust for weather risks |
| Accessories | $3k-$10k+ | Document with photos & receipts |
| Roadside | Included or add-on | Towing and trip interruption vary |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side and ensure you’re covered for Amarillo roads.
Get Your Motorcycle Insurance Quote in Amarillo
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Amarillo, TX
Is lane splitting legal in Texas?
No, lane splitting is not permitted in Texas. Riders may be cited for unsafe passing.
Do motorcycles get PIP benefits in TX?
No. Texas does not provide PIP for motorcycles. Consider MedPay and UM/UIM limits.
What are the current TX minimum insurance limits?
For policies now, at least 30/60/25. We’ll quote higher limits for better protection on Texas roads.
Do I need a helmet?
Yes, for riders under 21 or with less than one year of experience. Use approved helmets for safety.
Do motorcycles require inspections?
Yes, annual safety inspections are required in most Texas counties.
Will ABS lower my premium?
Many carriers offer discounts for ABS, which can improve safety on high-wind roads.
