Florida Motorcycle Insurance: Costs, Laws, and Quotes

Here’s what you should know about motorcycle insurance in Florida before shopping around.
Written by Melanie Krieps Mergen
Reviewed by Bellina Gaskey
On average,
motorcycle insurance
costs about $530 annually in Florida. That’s just slightly more than the national average.
  • Your actual motorcycle insurance rate will depend on factors like your motorcycle type, its value, driving record, and ZIP code.
  • Progressive offers some of the lowest rates for motorcyclists in Florida.
  • Shopping around for motorcycle insurance quotes will help you find the best coverage at the best rate.

How to find cheap motorcycle insurance quotes in Florida

There’s at least one straightforward way to find cheap motorcycle insurance in Florida: request multiple quotes from different providers. 
Gathering at least three different quotes will allow you to compare your coverage options and their costs, which increases the odds of finding the best deal.

What is the average cost of motorcycle insurance in Florida?

In Florida, motorcycle insurance costs an average of nearly $530 per year, or about $44 per month. That’s just slightly more than the national average (around $519 per year). 

What are the cheapest companies for full coverage Florida motorcycle insurance?

Here’s what average motorcycle insurance rates can look like from different providers in Florida. The rates shown here are based on a high level of coverage that includes high liability coverage limits, collision coverage, and comprehensive coverage. 
Average annual rate for full coverage
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What your motorcycle insurance rates look like will depend on various factors, including the level of coverage you choose, the type of motorcycle you own and its value, your driving record, and your zip code.

Are motorcycles cheaper to insure than cars?

Motorcycles are usually cheaper to insure than cars
, but this can vary. If you live in an area with high accident rates or you have extensive violations on your driving record, you might end up paying significantly more to cover your bike.
car insurance cost in Florida
for minimum coverage is about $2,300 a year, while a full-coverage car insurance policy can approach $3,000.

Florida motorcycle insurance coverage requirements

Motorcycle insurance isn’t required per se, 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 insurance in the following amounts:
Additionally, riders over 21 who do not wear a helmet must be able to prove minimum medical coverage of $10,000 in medical benefits protection. 
A robust motorcycle insurance policy can provide you with important financial protection for your bike, medical expenses, and more, depending on the coverage you choose. 
Whether you purchase insurance or provide alternate proof of financial responsibility, you must register your motorcycle with the DMV before you can legally drive it on public roads.

What should a basic motorcycle insurance policy cover?

At the base level, having liability insurance coverage will help pay for others’ property damage and/or medical costs if you’re found at fault for an accident.
If you want coverage for your own ride, you’ll need
collision coverage
, which constitute what’s called full coverage. Because Florida has a high number of uninsured drivers, it’s also worth considering adding
uninsured motorist coverage
to your policy.
But beyond this, there are plenty more coverage types to consider for your bike, including:
While it may not be required in Florida, going without motorcycle insurance (or adequate proof of financial responsibility) could leave you responsible for paying thousands of dollars out of pocket in damages and additional legal penalties.

The best companies for Florida motorcycle insurance

If you’re looking for motorcycle insurance in Florida, here are some suggestions for providers to look into while you shop around based on your particular coverage needs.

1. Best for cheap rates: Progressive

The good: Low average rates, wide range of coverage options
AM Best rating: A+
BBB rating: A+ 
Jerry’s rating: 84/100
Not only does Progressive offer some of the lowest average rates in Florida, but it also offers a competitive range of coverage options, like total loss coverage, carried contents coverage to protect your belongings, and accessories and custom parts coverage to protect your bike’s unique custom add-ons.
It’s also a convenient option if you intend to bundle with your home or auto insurance policy.

2. Best for enthusiasts: Nationwide

The good: Tons of coverage options, insures vintage bikes
AM Best rating: A+ (Superior)
BBB rating: A+ 
Jerry’s rating: 85/100
Nationwide offers many standard motorcycle coverage options, plus plenty of ways to make your policy a custom fit for your needs—such as if you have a highly customized or vintage bike or if you have more than one motorcycle you want to insure. 
Nationwide also has a variety of motorcycle insurance discounts with many related to safety. Taking an approved safety course, using a theft-recovery device on your bike, or having factory-installed anti-lock brakes are all ways you could earn discounts at Nationwide.
If you’re a member of a motorcycle club, like the Harley Owners Group, that could get you a Nationwide discount, too.

3. Best for casual riders: Allstate

The good: Range of coverage options, good for bundlers
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 82/100
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. 
While other providers may offer a wider range of coverage options, Allstate still offers enough to satisfy the average rider’s purposes. Gap coverage, trailer coverage, and accident forgiveness are all on offer. 
Policies from Allstate automatically come with $1,000 worth of aftermarket equipment coverage, with the option to choose a higher limit if you prefer.
If you’re looking to insure a vintage bike, you may need to look elsewhere for a policy.

4. Best for high-risk bikers: Dairyland

The good: Solid coverage for high-risk riders, good add-ons
The bad: High rates
AM Best rating: A+
BBB rating: A+
Jerry’s rating: 82/100
If violations on your driving record deem you a high-risk driver, it can be challenging to find a motorcycle insurance policy, especially if you’re subject to SR-22 requirements. But Dairyland is one provider that is known for working with high-risk drivers, so it’s worth seeking out a quote here.
Dairyland also offers a solid range of optional coverage types, which include OEM coverage, replacement cost coverage, and more. 
Although Dairyland does tend to charge higher than average rates in Florida, don’t forget to look into what discounts you could qualify for—especially if you’re a motorcycle club member.
"I had limited time to find a new insurance plan in Florida, so I tried
. My experience was personalized and professional, and they found me a plan that fits my portfolio. You should give them a try.” —Valencia T. 


In order to rate motorcycle insurance companies in Florida, we collected public data and rated each company on four factors: (1) average cost of insurance, (2) customer satisfaction as measured by the Better Business Bureau (BBB) and NAIC index, (3) coverage options, and (4) financial stability as measured by AM Best. 
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