Motorcycle Insurance

Florida Motorcycle Insurance

Peace of Mind for the Open Road.

Motorcycle insurance is similar to car insurance in that the policy offers you financial protection for injuries or damages incurred while driving your vehicle. A typical motorcycle insurance policy includes liability insurance, which pays for any losses you cause to others, but it can also include coverage for your bike and injuries. If you have more than one motorcycle, you can purchase a multi-bike policy and often receive a discount from your insurer.

On the other hand, if you ride another bike, such as while traveling or when borrowing one from a friend, your motorcycle insurance may not cover you adequately. Typically, your liability insurance will follow you and act as either primary or secondary coverage if you’re involved in an accident.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs

It’s essential to understand what your coverage options are — not just for your bike, but for you, and to others.

Learn More About Motorcycle Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right bike insurance policy for your needs and budget.

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Why do you need Motorcycle Insurance?

Riders in the state of Florida do not have to show proof of insurance to register their motorcycle, and they are not required to purchase a motorcycle insurance policy.

Riding a motorcycle without insurance is widely ill-advised because you be financially responsible for any injuries or losses and potentially sue you for any damage or injuries you cause.

Unless you have unlimited funds and don’t mind parting with them, it’s generally advisable to have coverage to manage your liability exposure. On top of this, if you frequently take your motorcycle out-of-state for road trips, there may be requirements in those states you’ll also have to follow.

Motorcycle coverage may seem like an unnecessary cost for many riders. However, motorcycle insurance is not only the smartest financial investment you can make for your assurance.

Here are some specific circumstances that personal car insurance would cover:

Damage to property in an motorcycle accident caused by you.

Injury cause to others in an motorcycle accident caused by you.

Theft or vandalism of your motorcycle.

You and guest passenger become injured in an motorcycle accident and need medical assistance.

Your motorcycle is involved in an accident caused by another driver who does not have adequate/any insurance coverage.

What does Motorcycle Insurance cover?

When you purchase motorcycle insurance, you will have to decide what types of motorcycle coverage to purchase. Policy options are additional but cover all of your bases in case of an accident. At minimum, we recommend you carry liability coverage for property damage as well as PIP. Listed below are the different types of motorcycle insurance coverage you could purchase and what they cover.

Typical Florida Policy Components.

General Liability

General liability includes coverage for bodily injury or property damage due to an accident you cause.

Personal Injury Protection

This overage pays for bodily injury or death resulting from an accident regardless who at fault.

Collision Damages

his coverage pays for the damage to your vehicles in the event you cause an accident or someone else vehicle.

Comprehensive Coverage

This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils.

Uninsured/underinsured Motorist

This coverage pays cover costs when another driver lacks adequate coverage to pay the medical costs of an accident.

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See what you can save with a customized insurance quote.

Then some coverages are unique to motorcycle insurance, including:

Guest passenger liability insurance

Roadside Assistance

Accessories or added equipment coverage

Original equipment manufacturer (OEM) parts coverage

Customized Motorcycle Parts Coverage

 Personal item or “carried contents” coverage

Then some coverages are unique to motorcycle insurance, including:

Not only can you get insurance for your moped or scooter, but in some states you may be required to, depending on the size of the vehicle’s engine. However, because these vehicles are lightweight and typically run at lower speeds, you may be able to purchase less coverage than you’d need for a motorcycle.

How much does Motorcycle Insurance Cost?

Insurance costs vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence homeowners insurance rates.

Basic Demographics — Your age, sex, marital status, and location.

Your Riding History — Your driving record and loss history plays a substantial role in the rates.

Your Riding Habits — Your daily driving routine and what purposes you use of your motorcycle.

What kind of bike you drive — The price, style and age of your motorcycle all contribute to how much car insurance costs will be.

Your Credit History — The better your credit, the more favorable your rates will usually be.

Household — Insurance companies underwrite at the household level, meaning they try to judge based on the entire family.

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We're here to help you find quality information that quickly answers your insurance questions.

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