is between $530 and $650 per year. As one of the most expensive states for insurance coverage in the US, Florida motorcycle riders currently pay just a little over the national average.

The average cost of motorcycle insurance in Florida is $530-$650 annually.
A standard motorcycle insurance policy typically includes bodily injury liability, property damage liability, and personal injury protection.
Companies such as State Farm, Nationwide Mutual Insurance, and Allstate offer various motorcycle insurance coverage for Florida riders from uninsured motorists to medical liability.
Florida law requires all motorcyclists under the age of 16 to wear a helmet. Those 21 and over with at least $10,000 in medical benefits may be exempt from this rule.

Florida motorcycle insurance requirements

Motorcycle insurance isn’t required per se in the Sunshine State, but you must be able to show proof of financial responsibility (that you would be able to cover damages in the case of an accident).

One way to do this is to purchase the state minimum coverage in the following amounts:

$10,000 in

bodily injury liability

per person

$20,000 in bodily injury liability per accident

$10,000 in

property damage liability

per accident

Other options include carrying a self-insurance certificate or one provided by the Florida DMV. These types of certificates claim that you are able to pay for any damages or medical bills that may occur as a result of a car accident.

To receive approval for a financial responsibility certificate from the Florida DMV, riders must complete an affidavit with appraisals providing at least a cumulative net worth of $40,000.

To file for a self-insurance certificate, bikers will have to obtain a surety bond and deposit cash with the Florida DMV to prove financial security.

Whether you purchase insurance or provide alternate proof of financial responsibility, you must

with the Florida DMV and obtain a

motorcycle driver’s license

before you can legally drive it on public roads.

Top Florida motorcycle insurance companies

In the state of Florida, motorcycle owners may desire to purchase liability insurance for a number of reasons—added security, peace of mind, or to have a deductible in place in case of an accident.

As such, some of the top car insurance companies also offer motorcycle insurance policies:

Auto insurance company	Coverage offered
Progressive	Progressive offers a competitive range of coverage options, like total loss coverage, carried contents coverage, and accessories and custom parts coverage. Options for low-cost states like Florida often cost around $624 or less for full coverage.
Nationwide	Nationwide offers many standard motorcycle coverage options, plus plenty of ways to make your policy a custom fit for your needs. They also have a variety of motorcycle insurance discounts with many related to safety and club membership.
Allstate	Allstate is another option worth considering if you prefer to bundle your motorcycle insurance and other policies (like home or auto insurance) under the same provider. Policies from Allstate automatically come with $1,000 worth of aftermarket equipment coverage, with the option to choose a higher limit if you prefer. Typical annual costs equate to $768 for full coverage options.
Dairyland	Dairyland is one provider that is known for working with high-risk drivers and offers a solid range of optional coverage types, including OEM coverage, replacement cost coverage, and more. For a full coverage plan, Dairyland generally charges $1,500.

It’s important to note that not all companies will have set motorcycle insurance rates. Factors that can determine your overall rate, include age, location, coverage options, and motorcycle type. For a motorcycle insurance quote, contact an insurance provider to determine the cost and coverage options that fit your specific needs.

MORE:

How to get motorcycle insurance without a license

What are the different kinds of motorcycle insurance coverage?

When shopping for motorcycle insurance in Florida, along with

comprehensive coverage

and

collision coverage

, there are other types of liability coverages that you can obtain to strengthen your motor vehicle’s security.

Underinsured/uninsured motorist coverage: Florida’s statewide uninsured motorist rate as of August 2023 is 6.60%, meaning over 1 million drivers in Florida aren’t covered. This type of insurance protects your motorcycle in the event of an accident where the other party is uninsured/underinsured.

Custom parts and equipment (CPE) coverage: If your motorcycle is modded or includes customer equipment, this coverage protects those investments.

Medical payments (MedPay): MedPay works in tandem with your health insurance policy to pay for medical expenses after a motorcycle accident.

Total loss coverage: When your bike is considered a total loss in an accident, this type of coverage can pay for the value of your motorcycle, and may protect it against depreciation. However, be mindful that this only counts on bikes up to one model year old.

Carried contents coverage: Carried contents and personal belongings protects any personal items on your bike against theft and loss.

Roadside assistance: If you ever experience a flat tire or breakdown on the side of the road, roadside assistance is put in place to help you repair your vehicle and get back on the road safely.

Keep in mind: Florida’s no-fault law does not apply to motorcycles—therefore, riders aren’t required to carry PIP coverage or PDL in the Sunshine State. For this reason, it’s recommended that motorists acquire a

full coverage insurance plan

How do helmet laws affect Florida motorcycle insurance?

The Florida motorcycle laws for helmets differ depending on factors such as age and insurance coverage.

According to Florida statutes, riders under the age of 21 must wear a helmet at all times. Riders over 21 can choose whether or not they want to wear a helmet, but if they opt not to, they must be able to prove a minimum medical coverage of $10,000 in medical benefits protection.

One aspect in terms of motorcycle gear that is non-negotiable is eye wear. Florida law requires all bikers to wear eye protection approved by the Florida DMV, regardless of age, when riding.

If you are involved in an accident and do not comply with

Florida helmet laws

, it will be considered a noncriminal nonmoving traffic violation, generally accompanied by a $30.

But if you are caught driving a motorcycle without the proper insurance, you can face a

license suspension

and the revocation of your driving privileges.

FAQs

Motorcycle-only vs. motorcycle endorsement: what’s the difference?

With a motorcycle-only driver’s license, you are restricted to only operating motorcycles. A motorcycle endorsement attaches to your current Class E driver’s license and signifies you can operate both a standard vehicle and a motorcycle. Neither option has an expiry date.

How much does it cost to get your motorcycle license in Florida?

In Florida, the cost for a motorcycle-only driver’s license is $6.25, whereas an endorsement is $7.00 plus $6.25 if applying at a county tax collector’s office.

How long do you have to register a motorcycle in Florida?

After arriving in Florida, you have approximately 30 days to register your bike with the Florida DMV. The initial fee for registration is $225 and must be paid if you don’t hold a license plate or record of license plate registration.

To register your bike in Florida, you will need to make sure you have proof of identity, proof of Florida insurance, and a completed application for the

Certificate of Title With and Without Registration

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