Florida motorcycle insurance

While Florida doesn't technically require riders to carry motorcycle insurance, you typically must show proof of financial responsibility if you're liable for injuries or damages in a motorcycle accident. You can help protect yourself from costly lawsuits with a motorcycle insurance policy. Find out what coverages are available and what you can do to lower your cost for motorcycle insurance in the Sunshine State.

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Do you need insurance for a motorcycle in Florida?

Florida doesn't mandate motorcycle insurance per state law, but you have to prove financial responsibility if you cause injuries to another person or damage property while riding. You may do so by obtaining a surety bond or obtaining a certificate of self-insurance. A common way to do this is by purchasing a motorcycle insurance policy with liability coverage.

What are Florida's motorcycle insurance requirements?

There are no state requirements for motorcycle insurance in Florida, but carrying a policy with at least the minimum liability limits can help you demonstrate financial responsibility. If you finance or lease your motorcycle, your lender will usually require comprehensive motorcycle insurance and collision motorcycle coverage.

This table shows you the standard coverages for a motorcycle insurance policy in Florida if you need to show financial responsibility and/or you finance or lease your motorcycle.

CoverageWhat it covers
Bodily injury liabilityWhat it coversPays for injuries to others, up to your policy's limits, if you're liable in a motorcycle accident
Comprehensive What it coversPays to repair or replace your motorcycle, minus your policy's deductible, due to damage from incidents beyond your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues
CollisionWhat it coversPays to repair or replace your motorcycle, minus your policy's deductible, if it collides with an object, such as a vehicle, tree, fence, or guardrail

Florida also requires minimum medical coverage for riders 21 and older who don't wear a helmet. For these riders, Florida requires a minimum of $10,000 in medical benefits protection through some source, which can also be a health insurance plan rather than a dedicated motorcycle insurance policy. If you're over 21 and wear a helmet, Florida law doesn't require medical coverage.

How much is motorcycle insurance in Florida?

In 2023, the annual cost for a Progressive motorcycle policy in Florida with liability coverage was only $181.72.* Many factors determine your policy’s rate, such as your age, driving history, location, type of bike and coverage selection. Get more information about the cost of motorcycle insurance.

Pro tip:

Bundle and save with multiple Progressive insurance policies. Earn a multi-policy discount when you combine motorcycle insurance with homeowners, renters, auto, RV or boat insurance.

What's the best motorcycle insurance in Florida?

Nearly 1 in 3 insured motorcycle riders choose Progressive. Whether you reside in Miami, Tampa, Jacksonville or anywhere else in the Sunshine State, the best motorcycle policies offer reliable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Florida without sacrificing the protection you need to ride with confidence.

You can lower your motorcycle insurance cost in Florida with motorcycle insurance discounts, such as:

  • Multi-policy discount
  • Responsible driver discount
  • Pay in full discount
  • Safety course discount
  • Association membership discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Florida

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

  • Motorcycle accessory coverage: May pay to repair or replace the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
  • Medical payments: May pay for injuries you or your passenger suffer, regardless of fault
  • Total loss coverage: May pay for the entire value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
  • Carried contents and personal belongings: May pay to replace any personal effects you're carrying when a covered loss occurs, including theft
  • Enhanced injury protection: May pay as much as $250 a week for two years if you're unable to work due to injuries sustained during a crash
  • Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Important facts before you ride in Florida

  1. New bikers must pass a BasicRiderCourse (BRC) before a motorcycle endorsement can be added to their license

  2. Florida will honor motorcycle endorsements from another state and the motorcycle course won't be required

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