Motorcycle Insurance in Wichita Falls, TX
Why Motorcycle Insurance Matters in Wichita Falls
Riding through Wichita Falls and the surrounding Texas roads offers freedom and excitement — but it also comes with risks. From unpredictable drivers to severe weather, motorcycle accidents can cause significant financial loss. Motorcycle insurance helps protect you, your bike, and your passengers so you can enjoy the ride with peace of mind.
At Montoya Insurance Group, LLC, we work with top carriers to provide affordable motorcycle insurance tailored to your needs.
What Our Motorcycle Insurance Covers
Our policies give Wichita Falls riders the protection they need, including:
- Liability Coverage – Covers bodily injury and property damage you may cause to others.
- Collision Coverage – Pays for damage to your motorcycle if you collide with another vehicle or object.
- Comprehensive Coverage – Protects your bike against theft, vandalism, hail, and fire.
- Medical Payments – Helps cover medical expenses for you or your passenger after an accident.
- Uninsured/Underinsured Motorist Protection – Protects you if the other driver has little or no insurance.
- Accessory & Custom Parts Coverage
– Covers modifications, custom paint, saddlebags, and gear.
Common Add-Ons & Options
We can help riders customize policies with:
- Roadside assistance and towing coverage
- Trip interruption protection
- Coverage for protective riding gear
- Seasonal or lay-up policies for limited riding months
Who Needs Motorcycle Insurance in Wichita Falls?
Motorcycle insurance is essential for:
- Daily Riders – Commuters using their bike on Kell Freeway or Sheppard Access Road.
- Weekend Cruisers – Riders exploring Texas highways and backroads.
- Sport Bike Owners – Higher performance bikes that come with more risk.
- Custom Bike Enthusiasts – Protecting unique builds and upgrades.
Local Risks to Consider
Wichita Falls riders face unique challenges:
- Severe Weather – Sudden hailstorms, tornadoes, and flooding can damage bikes.
- High Accident Risk – Motorcycles are less visible to drivers on busy roads.
- Theft Concerns – Motorcycles are common targets for theft in urban areas.
FAQs – Motorcycle Insurance in Wichita Fall
Is motorcycle insurance required in Texas?
Yes. Texas law requires riders to carry minimum liability coverage.
Can I insure custom parts or accessories?
Yes. We offer coverage for custom work, aftermarket parts, and riding gear.
How much does motorcycle insurance cost in Wichita Falls?
Rates vary depending on the type of bike, rider experience, and coverage selected. We shop multiple carriers to find the best deal.
Can I pause my insurance if I don’t ride year-round?
Yes. We offer seasonal or lay-up coverage options for riders who store their bikes in winter.
Do you offer bilingual service?
Yes. Montoya Insurance Group, LLC proudly serves clients in both English and Vietnamese.
Ride Protected, Ride Confident
Get the Right Motorcycle Insurance in Wichita Falls, TX
At Montoya Insurance Group, LLC, we know that your motorcycle is more than just transportation — it’s a passion. That’s why we provide coverage that protects you on the road and off. With affordable options, personalized guidance, and bilingual support, we’ll help you ride with confidence.