A motorcycle policy written by an algorithm misses what matters: agreed-value on the bike, replacement on the gear, custom-parts protection, and a real agent who knows the difference between a Panigale and a Pan America. Sphere helps you review all of it.
Sphere Insurance writes Texas motorcycle policies through the trusted carrier panel shown on our homepage, including Progressive, GEICO, National General, GAINSCO, Bristol West, Kemper, and American Access. We can help place coverage for cruisers, sport bikes, touring, adventure, off-road, scooters, electric, and vintage motorcycles, with agreed-value, riding-gear replacement, custom-parts and accessory coverage, original-equipment parts, transport-trailer coverage, flatbed roadside, trip-interruption, and lay-up provisions reviewed where available. Motorcycle files are routed to a Texas-licensed agent familiar with riders, with MSF safety-course and mature-rider credits checked at quote.
A motorcycle isn’t a car. The crash modes are different, the parts inventory is different, the storage pattern is different, and the rider’s relationship to the machine is different. A standard auto carrier writing motorcycle coverage by extending its private-passenger script will miss three out of four of these — which is why most riders end up with the wrong policy at the wrong price.
Sphere writes motorcycle as its own product line. Motorcycle files are routed to a Texas-licensed agent familiar with riders, and we shop the policy through the trusted carrier panel shown on our homepage, including Progressive, GEICO, National General, GAINSCO, Bristol West, Kemper, and American Access.
We can help place many categories Texas riders actually own — cruisers and baggers (Harley, Indian), touring (Goldwing, RT, Pan America), sport and sport-touring (Ducati, Aprilia, Kawasaki, Yamaha R-series), adventure (KTM, BMW GS, Tenere), naked and standard, off-road and dual-sport, scooters and mopeds, vintage and collectible, and custom-builds with documented invoices.
For street-legal electric motorcycles — Zero, LiveWire, Energica — Sphere reviews battery-replacement and valuation options that traditional carriers may not offer or may limit to actual cash value.
If you’re a clean rider with an MSF certificate, a garage-kept bike, and the discipline to wear gear — you’ve earned the rate, and we’ll find the carrier that agrees. If you’re newly licensed, riding a higher-displacement sport bike, or have a recent at-fault claim, we can still usually place you in a preferred panel within 24 hours.
Texas requires the same 50/100/40 minimums on motorcycles as it does on cars. Sphere advises on higher liability limits because the cost difference for a clean rider can be modest while the asset protection may be multiples of the bike's value.
Repair or replacement of your motorcycle after a crash, regardless of fault. Many policy forms use actual cash value, but Sphere reviews agreed-value options for vintage, custom, or collectible bikes where the market price doesn't reflect the build.
Theft, fire, hail, vandalism, falling objects, and animal strikes. Motorcycle theft in Texas is concentrated in Houston, Dallas, and San Antonio metros — comprehensive is non-negotiable if your bike is street-parked or stored anywhere other than a locked garage.
Roughly 1 in 7 Texas drivers carries no insurance — and a car striking a motorcycle is statistically a more serious injury than a car striking another car. UM/UIM at matching limits covers your medical bills and lost wages when their policy doesn't.
Standard policies often cap aftermarket parts at $1,000–$3,000. Sphere offers custom parts and equipment options where available and helps riders document exhausts, wheels, paint, suspension, ECU tunes, fairings, audio, and luggage.
Helmet, jacket, gloves, boots, and pants may be eligible for replacement coverage if damaged in a covered loss. Sphere reviews riding-gear options where available because many carriers treat this as a paid add-on.
Sphere reviews roadside, flatbed towing, repair-shop choice, and hotel or rental reimbursement options for covered losses that strand you away from home.
Lay-up options may reduce collision and comprehensive premiums during off-season storage while keeping selected theft or fire protection active, depending on carrier rules.
| Sphere | Big captive carriers | Online-only carriers | |
|---|---|---|---|
| Agreed-value on vintage and custom bikes | Yes — up to $150,000 | Limited, market-value only on most models | Not offered on most policies |
| Riding gear replacement | Reviewed where available | Paid add-on, varies by state | Paid add-on, limited |
| Custom parts coverage cap | $30,000 | $3,000 | $3,000 |
| Agent who rides | Routed to a motorcycle-focused agent | Captive agent, not specialized | Call-center, not specialized |
| Lay-up / storage suspension | Reviewed where available | Not offered | Not offered |
Yes. As of January 2026, Texas motorcycle owners must carry minimum liability of 50/100/40 — the same as private-passenger auto. Sphere recommends higher liability limits plus matching uninsured-motorist coverage because car-vs-bike collisions are statistically more injurious than car-vs-car.
Yes. We can help place agreed-value options on vintage, custom, and collectible bikes where available — including pre-1980 Harleys, restored Triumphs and BMWs, café racer builds, and limited-production sport bikes. Your agent will review appraisal requirements and how the policy values the bike at claim time.
Sphere offers riding-gear replacement options where available — helmet, jacket, gloves, pants, boots, and armor — when damaged in a covered loss. Your agent will show whether it is included, optional, or limited by the carrier form.
Sphere reviews lay-up suspension options where available. These can pause selected premiums during storage months while keeping certain theft or fire protection active, depending on carrier rules.
No. U.S. motorcycle policies are not recognized by Mexican authorities. Sphere offers daily, weekly, and annual Mexico motorcycle policy options through Mexican insurers in the same portal as your U.S. policy.
Standard motorcycle policies exclude all on-track activity. Sphere offers a track-day liability endorsement for closed-course rider-training events (not racing) at a flat per-day premium — useful for riders doing California Superbike School, Yamaha Champions, or local trackday orgs.
Progressive and GEICO write motorcycle insurance, but they sell one company's product through a call center — and agreed-value, higher custom-parts limits, and gear replacement may be capped or sold as paid add-ons. Sphere is an independent brokerage: we shop your record across the carrier panel shown on our homepage, route motorcycle files to a motorcycle-focused agent, and advise you on agreed-value, CPE, and gear replacement options where available.
Start online in a couple of minutes — or call and we’ll walk through it together.
Last updated: May 2026
