Motorcycle insurance isn’t required in the Sunshine State, but it’s certainly recommended.
In this article, we’ll cover everything you need to know about motorcycle insurance in Florida. Learn about Florida motorcycle insurance requirements, the cost of Florida motorcycle insurance, recommendations for top insurers in the state, and more.
Our review team has closely researched the best motorcycle insurance companies in the United States. We consider factors such as cost, coverage, and customer reviews, giving riders the knowledge to make the best decision for their needs.
If you’d like to start comparing cost options from multiple providers, use the tool below to reach out for fast and free personalized quotes.
In this article:
- Do You Need Motorcycle Insurance In Florida?
- 5 Best Motorcycle Insurance Companies In Florida
- Cost Of Motorcycle Insurance In Florida
- What To Know About Riding In Florida
- Final Thoughts On Florida Motorcycle Insurance
Do You Need Motorcycle Insurance In Florida?
Before you can take your bike on a public road in Florida, you must prove financial responsibility. This can be done in two ways, the most common of which is to purchase Florida motorcycle insurance. The minimum motorcycle insurance policy limits in Florida are 10/20/10. This means that you need to have the following policies in place:
- $10,000 of bodily injury liability coverage per person
- $20,000 of bodily injury liability coverage per accident
- $10,000 of property damage liability coverage per accident
The other way to prove financial responsibility is to obtain a self-insurance certificate from the Bureau of Financial Responsibility. To get a self-insurance certificate, you must be able to prove that you have the net worth and assets to cover damages for which you are liable.
If you are in an accident and unable to produce proof of insurance or self-insurance, you can have your license and registration suspended. Riders can also be sued in civil court for damages.
Florida is a no-fault state, meaning that your own insurance carrier will cover the cost of damages after an accident, regardless of fault. Drivers in Florida are required to purchase personal injury protection (PIP) insurance, but this does not apply to motorcyclists. Instead, riders are able to sue for damages after an accident.
Regardless of state law, it’s certainly a good idea to purchase motorcycle insurance in Florida. A full coverage policy can protect your finances and your bike.
5 Best Motorcycle Insurance Companies In Florida
While there is no single best insurer for every motorcycle owner, there are several motorcycle insurance providers in Florida that stand out for offering low rates, comprehensive coverage, and high-quality customer service.
|Best Motorcycle Insurance in Florida||RideApart Rating||Coverage||Affordability||Customer Service|
|1. Geico Motorcycle Insurance||4.5||4.5||5.0||4.0|
|2. Progressive Motorcycle Insurance||4.5||4.5||4.5||3.5|
|3. Allstate Motorcycle Insurance||4.0||4.0||3.0||4.0|
|4. State Farm Motorcycle Insurance||4.5||4.0||4.0||4.5|
|5. Dairyland Motorcycle Insurance||4.0||4.0||4.0||3.5|
*You may notice that some motorcycle insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while this ranking looks specifically at what insurance providers are best for car insurance in Florida.
#1 Geico: Best Motorcycle Insurance In Florida
Geico is one of our top recommendations for any state, and the same holds true for motorcycle insurance in Florida. Geico customers can purchase liability, collision, comprehensive, medical payments (MedPay), helmet, accessories, and uninsured/underinsured motorist coverage. Policy limits can extend into the millions.
With an A+ rating from the Better Business Bureau (BBB) and a relatively low volume of customer complaints, Geico is a reliable choice for motorcycle insurance coverage. Plus, the company maintains an A++ financial strength rating from AM Best, meaning the insurer is well-positioned to meet customer claim obligations.
For many riders, Geico may also be the cheapest option. The insurer advertises rates as low as $60 per year. Of course, your own rider profile and policy needs will impact your final cost.
|Geico Pros||Geico Cons|
|A++ financial strength rating from AM Best||Some customers report price increases after filing claims|
|High level of customer satisfaction|
To learn more about this insurer, read our full Geico motorcycle insurance review.
#2 Progressive: Cheap Motorcycle Insurance In Florida
Progressive offers many of the same coverage options that Geico does, with policy limits to match. Additionally, Progressive customers can purchase add-on coverage such as a death benefit, enhanced injury protection, carried contents coverage, and total loss coverage.
Riders looking for the cheapest motorcycle insurance in Florida should consider Progressive. While Geico tends to offer lower rates nationally, based on our research, Progressive may offer lower rates for Florida riders.
While Progressive’s motorcycle insurance reviews are not quite as strong as Geico’s, the company does hold an A+ rating from the BBB and often scores above average in J.D. Power claims satisfaction studies.
|Progressive Pros||Progressive Cons|
|A+ financial strength rating from AM Best||Average customer service reputation|
|Low prices for full coverage|
|Many discount opportunities|
For more information, read our full Progressive motorcycle insurance review.
#3 Allstate: Best Florida Agents
Allstate is a Florida motorcycle insurance provider with a sterling reputation for customer service and full coverage policy options. One thing we like about Allstate is its highly customizable policies. The insurer offers a number of add-on options, such as:
- Equipment coverage
- Roadside assistance that includes towing and labor
- Rental reimbursement
- Transport trailer coverage
- Guaranteed asset protection (GAP) insurance
- Rider protection package
- New motorcycle replacement coverage
- First-accident waiver
Unlike Geico and Progressive, Allstate works through local agents, which means a dedicated expert can walk you through your coverage options. While this may mean that policies are more expensive, it also results in superior customer service.
In the 2020 J.D. Power U.S. Auto Insurance Satisfaction StudySM for the state of Florida, Allstate scored 851 out of 1,000 points, which was the highest score of any company except USAA. While this study was based on auto insurance claims, the same service is likely to apply to Allstate customers with motorcycle insurance in Florida.
|Allstate Pros||Allstate Cons|
|A+ financial strength rating from AM Best||Can be more expensive than competitors|
|Customizable coverage options with high policy limits|
|Positive customer service reviews|
Learn more about Allstate by reading our Allstate motorcycle insurance review.
#4 State Farm
If you already understand what kind of motorcycle insurance policy you need, providers like Geico and Progressive may give lower rates for Florida motorcycle insurance. However, State Farm also offers competitive rates and may be a good choice if you need help selecting the right coverage for your bike.
Like Allstate, State Farm works through a network of local agents. If you purchase State Farm motorcycle insurance in Florida,you will be paired with a representative who can work with your specific situation to find the perfect coverage for your needs.
State Farm is also a good choice for riders with non-standard motorcycles, as this insurer can provide coverage for factory-built bikes as well as motor scooters, classic motorcycles, custom motorcycles, minibikes, and trail bikes.
With a State Farm agent, you’ll get some of the best customer service in the insurance industry. State Farm has an A+ rating from the BBB and a low volume of complaints considering the massive size of the insurer. Based on State Farm insurance reviews, most customers are pleased with local agents.
|State Farm Pros||State Farm Cons|
|A++ financial strength rating from AM Best||No easy online quotes process|
|Comprehensive coverage options||Some customer complaints about a slow claims process|
|Dedicated local agents|
To learn more, read our full State Farm motorcycle insurance review.
Based in Wisconsin, Dairyland is an established motorcycle insurer that’s provided specialty insurance products through Sentry Insurance. Sentry has an A+ financial strength rating from AM Best and covers more than one million policyholders.
In addition to standard insurance coverage options, Dairyland offers special equipment coverage and guest passenger coverage. You can even purchase full replacement coverage for bikes up to three years old.
Dairyland may be a good choice for low-cost motorcycle insurance in Florida, especially as it has several discount options for riders, including:
- Multi-cycle discount
- Homeowner discount
- Loyalty discount
- Rider safety course discount
- Policy transfer discount
- Discounts for Harley Owners Group (HOG) members and members of other rider groups
This provider is well regarded by customers, boasting an A+ rating on the BBB website and a 4.5 out of 5.0-star customer score on Trustpilot.
|Dairyland Pros||Dairyland Cons|
|Parent company with an A+ AM Best financial strength rating||
Several customer complaints
about no-notice policy cancellations
|Full coverage options|
|Low rates for high-risk riders|
To learn more, read our full Dairyland motorcycle insurance review.
Cost Of Motorcycle Insurance In Florida
To give you an idea of what you might pay for a Florida motorcycle insurance policy, we reached out for motorcycle insurance quotes from several leading providers. The quotes below covered a 2017 Yamaha SR400, which is a standard-sized bike. A minimum coverage policy included 10/20/10 liability coverage. Full coverage included 10/20/10 liability coverage as well as collision and comprehensive coverage with a $100 deductible.
|Motorcycle Insurance Provider||Minimum Coverage Cost||Full Coverage Cost|
State Farm and Dairyland were not able to provide quick and easy online quotes for motorcycle riders in Florida. State Farm works through local agents, and pricing may vary from region to region. We’ve requested quotes from Dairyland in other states and found its prices to be similar to Progressive.
Based on the data above, Progressive offers the lowest minimum-coverage motorcycle insurance rates in Florida, but Allstate offers significantly lower rates for full coverage policies. Keep in mind that these quotes are for one type of bike and one type of rider. Your own offers will vary depending on factors such as your age, driving record, and homeowner status.
What To Know About Riding In Florida
Because motorcycles are not fully enclosed, motorcycle accidents are more dangerous than passenger vehicle crashes. According to data from the National Highway Traffic Safety Administration and the Florida Department of Highway Safety and Motor Vehicles, the number of fatal motorcycle accidents in Florida has steadily increased since the early 2000s.
This increase has roughly matched the increase in the average number of miles ridden in the state. Motorcycles do not seem to have not gotten more deadly, but there are more riders on the road. Riding a motorcycle in any state is a risk, but you can minimize this by taking proper precautions and always wearing a helmet.
Wearing a helmet while riding a motorcycle is not required by Florida law, provided that the rider is over 21 and has at least $10,000 of medical insurance benefits. However, it is extremely dangerous to ride a motorcycle without a helmet, and every rider should invest in a quality riding helmet regardless of local regulations. If you need help finding the right helmet, check out our roundup of the best motorcycle helmets.
Another thing to note about riding a motorcycle in Florida is that the state requires you to have a motorcycle endorsement on your driver’s license before you can legally operate on public roads. Florida will reciprocate endorsements from every other state, with the exception of Alabama.
If you have an Alabama motorcycle license, you will need to pass a motorcycle safety test before you can get a Florida motorcycle endorsement on your license. It is a good idea for any rider to complete a motorcycle safety course, as it will improve your safety and, in many cases, help reduce the cost of your motorcycle insurance policy.
Final Thoughts On Florida Motorcycle Insurance
Motorcycle insurance in Florida is not required if you are able to prove financial responsibility, but many motorcycle riders may not have the funds to do so. Most riders will be required to purchase at least personal injury and property damage liability insurance coverage.
Based on our research, the top motorcycle insurance providers in Florida are Geico, Progressive, Allstate, State Farm, and Dairyland. Each offers exceptional coverage at a low cost. Of course, the only way to find the best rates is to compare quotes from multiple providers. Use the tool below to get started with free, no-obligation quotes from insurers in your area.