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Local Insurance Company Near You
Getting motorcycle insurance in Pharr doesn’t have to be complicated. At SafeGuard Insurance Agency, our friendly local agents simplify the process by comparing coverage options from multiple carriers. Whether you’re a daily commuter or a weekend rider, we’ll match you with a plan that fits your needs, lifestyle, and budget.
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection for liability, property damage, and medical costs. Policies can be customized based on your bike, riding habits, and budget.
What Does Motorcycle Insurance Cover in Texas?
Motorcycle insurance works similarly to auto insurance but is tailored to the unique risks riders face. A full policy in Pharr, TX typically includes:
Bodily Injury Liability
Bodily injury liability helps pay for injuries suffered by others in an accident you’re responsible for, including medical bills, lost income, and even funeral costs when necessary.
Medical Payments or PIP
Medical & Personal Injury Protection provides coverage for medical expenses for you and your passengers after a crash, offering quick access to care regardless of who caused the accident.
Property Damage Liability
Property damage liability covers the repair or replacement of someone else’s property if your motorcycle causes damage during an incident.
Collision
Collision coverage takes care of repairs to your own motorcycle after an accident, no matter who was at fault.
Comprehensive
Comprehensive coverage protects your bike from non-collision events, including theft, vandalism, fire, falling objects, or debris-related damage.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage steps in if you’re hit by a driver who has no insurance or inadequate coverage, making sure you’re not left paying for the resulting damages.
Frequently Asked Questions — Motorcycle Insurance in Texas
Learn more about motorcycle insurance in Texas and what Pharr riders need to know.
- Will my auto insurance cover my motorcycle?
No. A motorcycle must be insured separately. Auto insurance does not automatically extend to motorcycles.
- Is motorcycle insurance required in Texas?
Yes. Texas law requires minimum liability coverage of:
$30,000 per injured person
$60,000 per accident
$25,000 property damage
These limits are often not enough — many riders choose higher coverage for better protection.
- How much does motorcycle insurance cost in Texas?
Costs vary based on:
Type of motorcycle
Age and riding experience
Zip code & storage security
Driving record
Coverage limits and deductibles
Our Pharr agents shop multiple carriers to find the most affordable option.
- Do I need more than the state minimum?
Usually, yes — especially if:
Your motorcycle is newer or high-value
You frequently ride in traffic
You want coverage for your own repairs or medical expenses
- Does Texas require motorcycle safety courses?
Not always, but completing a Texas-approved Motorcycle Safety Course may:
Lower your insurance rate
Improve your riding skills
You’re required if you’re under 18
- Does my motorcycle policy include roadside assistance?
You may qualify for:
Multi-bike discounts
Bundling with home or auto
Safety course completion discounts
Good driver or claim-free discounts
Garage-kept motorcycle discounts
Why Riders in Pharr, TX Choose SafeGuard Insurance
From motorcycle to auto, home, life, and commercial coverage, SafeGuard Insurance Agency is a trusted partner for individuals and families across the Rio Grande Valley. Our agents take time to understand your needs and compare quotes to bring you the best value!
Your Local Motorcycle Insurance Agency in Pharr, TX
At SafeGuard Insurance Agency, we deliver personalized, affordable insurance solutions backed by years of local experience. As an independent agency serving Pharr and the surrounding RGV communities, we’re able to shop multiple top-rated carriers to get you the right protection at competitive rates.
Ride safe. Ride covered.
