Motorcycle Insurance in Memphis, TX - Compare Quotes & Save
Riding around US-287, TX-256, and the Texas panhandle roads demands coverage for rural and highway conditions. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories-all while unlocking real 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 rural and highway exposure in Memphis.
MedPay and No-Fault
Texas operates under a fault system; PIP isn’t required for motorcycles. Add Medical Payments (MedPay) to help with medical expenses regardless of fault.
Helmet & Eye Protection
TX 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 isn’t permitted-ride safely and follow traffic laws.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Memphis Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for highway risks
- Property Damage: $50k-$100k common in rural areas
UM/UIM
- Match to your BI limits to protect you from underinsured drivers
- Stacking options vary by carrier
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, lighting
Roadside & Trip Interruption
- Towing, jumpstarts, flats-peace of mind on US-287
- Hotel/meals after a covered breakdown (carrier-specific)
Safety pays: ABS-equipped models show lower crash rates in national studies-many insurers offer an ABS discount.
Memphis Riding Realities (and How We Insure Around Them)
- Rural highways & wildlife: From US-287 to local roads, visibility and animal strikes are concerns-favor higher BI/PD and UM/UIM.
- Theft risk: Garaging and anti-theft devices can help pricing. Pair with higher comprehensive and accessories limits.
- Weather extremes: Texas weather can be unpredictable; consider lower comp/collision deductibles and roadside.
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 (often no road test needed)
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 Memphis Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | Higher for highway and rural risks |
| UM/UIM | Match BI | Protects you from low-limit drivers |
| MedPay | $5k-$25k | Important in fault-based state |
| Comp/Collision | $250-$1,000 deductibles | Lower for frequent riders |
| Accessories | $3k-$10k+ | Document with photos & receipts |
| Roadside | Included or add-on | Towing and trip interruption vary by carrier |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered.
Get Your Motorcycle Insurance Quote in Memphis
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Memphis, TX
Is lane splitting legal in Texas?
No, lane splitting is not permitted in Texas. Ride in your designated lane and follow traffic laws.
Do motorcycles get PIP benefits in TX?
No, Texas doesn’t require PIP for motorcycles. Add MedPay and carry strong 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 and eye protection?
Helmets are required for riders under 21 or with less than one year of experience. Eye protection is recommended for safety.
Do motorcycles require inspections?
Yes, annual safety inspections are required in most Texas counties, but check local rules.
Will ABS lower my premium?
Many carriers discount ABS. Studies show ABS-equipped bikes have lower crash rates.
