Florida Motorcycle Insurance: Compare Quotes Today

Did you know this about Florida motorcycle insurance?

Many riders may not be aware that they could be overpaying for motorcycle insurance in Florida. Thanks to a partnership between Riders Share and RideSafe Insurance Agency, it’s now easy to compare insurance quotes across the state- whether you're near Miami, Orlando, Tampa Bay, or anywhere in the state. Finding rates that match your specific riding profile and needs can lead to significant savings. Check out your options today to make sure you're not paying too much for motorcycle insurance in Florida.

Quickly compare motorcycle insurance quotes in Florida from multiple top insurers with one easy form.

Do I Need Insurance for a Motorcycle in Florida?

Motorcycle insurance is not required in Florida by state law unless you're seeking to demonstrate financial responsibility or if your motorcycle is financed or leased. In these cases, holding a policy that meets minimum liability limits is advisable.

For financed or leased motorcycles, Florida lenders typically require both comprehensive and collision coverage.

Here’s an overview of standard coverages typically included in a Florida motorcycle insurance policy:

• Bodily Injury Liability: Covers costs related to injuries to others if you are at fault in an accident, up to the limits of your policy.
• Comprehensive: Covers the cost of repairing or replacing your motorcycle for non-collision incidents such as theft, vandalism, fire, or weather damage, minus your deductible.
• Collision: Covers the cost of repairing or replacing your motorcycle if it collides with another object, minus your deductible.
• For riders over 21 who choose not to wear a helmet, Florida requires at least $10,000 in medical benefits, which can be met through a health insurance plan instead of motorcycle insurance. Helmeted riders over 21 are not required to carry medical coverage under state law.

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Florida Motorcycle Insurance FAQs

How much is motorcycle insurance in Florida? ▼

The cost of motorcycle insurance in Florida typically averages around $50-60 per month for a full coverage policy. This rate can vary significantly based on factors such as your age, driving history, the type of motorcycle you own, and your chosen coverage levels.

Can you ride a motorcycle without insurance in Florida? ▼

Florida law does not require all riders to carry motorcycle insurance. However, if you've been involved in an accident or found responsible for one in the past, you are required to have insurance. There are many other reasons you may want to consider getting motorcycle insurance.

Is motorcycle insurance expensive in Florida? ▼

Motorcycle insurance can be relatively expensive in Florida compared to some other states, mainly due to the higher risks associated with frequent motorcycle accidents and thefts in more densely populated areas. Florida is among the states with the highest motorcycle insurance rates, reflecting the extended riding season and higher accident rates.

You can compare motorcycle insurance quotes in Florida to get the cheapest and best coverage available to you with the above form.

Should I get motorcycle insurance in Florida? ▼

Although not legally required for all riders, having motorcycle insurance in Florida is highly advisable. It provides financial protection against damages and medical expenses resulting from accidents. This coverage is important for protecting yourself against potential significant out-of-pocket expenses if you're involved in an accident, especially considering the high cost of medical care and repairs.

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Compare Florida Motorcycle Insurance

To receive motorcycle insurance quotes in Florida, simply fill out the form provided below. An insurance agent will then reach out to discuss your coverage options and help you find the most affordable plan that meets your needs. Our partners are dedicated to helping you lower your premiums or enhance your coverage in Florida.

Prefer to Pay-By-Mile? See How Much You Could Save With

Not every rider needs a full annual policy. VOOM's pay-per-mile insurance lets you pay only for the miles you ride - save up to 60% on average. No hardware, no tracking, no hassle.

Riders Share partnered with VOOM to bring you exclusive savings on usage-based motorcycle insurance.

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VOOM is currently available in Arizona, Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Louisiana, Maryland, Minnesota, Missouri, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, and Wisconsin.