 TITLE: What Kind of Insurance Does a Motorcycle Need? CONTENT: How Much Motorcycle Insurance Is Mandatory?\n-------------------------------------------\nRequirements for motorcycle insurance differ depending on where you live, but every state except Florida requires motorcycle riders to carry some amount of insurance. In states that do require motorcycle insurance, you must show proof of coverage when you register your ride. It's illegal to ride without insurance and registration, and the penalty for doing so could cost you in both fines and future insurance hikes.\nIn each state that requires motorcycle coverage, a minimum level of liability insurance is standard. Liability insurance covers bodily injury and property damage that you, as a motorcycle rider, cause in an accident. It does not, however, cover your injuries or any damage to your motorcycle.\nThe amount of coverage you'll need can vary. In California, for instance, a motorcyclist must carry at least $15,000 in coverage for the bodily injury or death of one person in an accident, $30,000 in coverage for bodily injury or death of at least two people in an accident and $5,000 in property coverage. On a policy, you'll typically see this listed as 15\/30\/5. But in Texas, those coverage minimums are 30\/60\/25 ($30,000 for the bodily injury or death of one person in an accident, $60,000 for injury or death of at least two people in an accident and $25,000 in property coverage). END