Motorcycle Insurance
Experience the freedom of the open road with confidence. We'll help you protect your ride with comprehensive motorcycle insurance coverage tailored for Florida riders.
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Protect your ride in Florida
Whether you ride a cruiser, sport bike, touring bike, dirt bike, or scooter, the right motorcycle insurance protects you financially from accidents, injuries, theft, and liability claims. Florida's roads offer beautiful scenery and year-round riding, but they also present unique risks.
Unlike auto insurance, motorcycle insurance isn't required by Florida law unless you're financing your bike. However, riding uninsured exposes you to significant financial risk. From liability coverage to protect others, to comprehensive and collision coverage for your bike, to specialized coverage for custom parts and accessories — we'll help you build the right protection for your riding style.
Understanding motorcycle insurance coverage types
Unlike cars, motorcycles aren't required to carry insurance in Florida unless financed. But smart riders protect themselves with comprehensive coverage:
Liability Coverage
- Bodily Injury Liability (required if financed)
- Property Damage Liability
Protect Others
Liability coverage protects you financially if you injure someone or damage property while riding. It's your first line of defense against lawsuits and medical claims.
Full Coverage Protection
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist
- Custom Parts & Accessories
- Roadside Assistance
Protect Your Ride
Comprehensive motorcycle insurance protects your bike and yourself from theft, damage, accidents, and medical expenses — plus covers custom parts and accessories.
Important: Motorcycles aren't required to have insurance in Florida unless financed by a lender. However, liability coverage is essential to protect your assets, and comprehensive coverage protects your investment in your bike and custom parts.
What does motorcycle insurance cover?
Liability Coverage
Protects you financially if you cause injury to others or damage their property while riding. Includes bodily injury liability and property damage liability. Required if your motorcycle is financed, recommended for all riders.
Collision Coverage
Pays to repair or replace your motorcycle if it's damaged in a collision with another vehicle or object — regardless of who's at fault. Essential protection to get your bike back on the road after an accident.
Comprehensive Coverage
Covers damage to your motorcycle from non-collision events — theft, vandalism, fire, weather, falling objects, and animal strikes. Critical protection in Florida's weather and high theft risk environment.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. Critical in Florida, where many drivers carry minimal coverage or drive uninsured. Covers your injuries and bike damage.
Custom Parts & Accessories Coverage
Protects aftermarket parts, custom paint, chrome accessories, upgraded exhaust, and other modifications. Standard policies often don't cover custom work — this ensures your investments are protected.
Roadside Assistance & Towing
Provides help when you're stranded — towing to the nearest repair shop, fuel delivery, jump-starts, flat tire changes, and lockout service. Essential peace of mind for long rides and touring.
Common questions about motorcycle insurance
What motorcycle insurance is required in Florida?
Florida doesn't require motorcycle insurance unless your bike is financed by a lender — in which case you'll need full coverage including liability, collision, and comprehensive. However, riding without insurance exposes you to significant financial risk. We strongly recommend liability coverage at minimum, and comprehensive coverage to protect your investment.
Does my auto insurance cover my motorcycle?
No. Auto insurance policies don't cover motorcycles. You need a separate motorcycle insurance policy. Motorcycles have different risk profiles than cars, and standard auto policies exclude motorcycle coverage. We can help you get a dedicated motorcycle policy, often with discounts for bundling with your other insurance.
What factors affect motorcycle insurance rates?
Rates depend on your riding experience, age, driving record, type of motorcycle (sport bikes cost more than cruisers), engine size, where you store your bike, coverage limits, and deductibles. Taking a motorcycle safety course, installing anti-theft devices, and maintaining a clean driving record can all help reduce your premium.
Are my custom parts and accessories covered?
Standard motorcycle insurance typically covers factory-installed equipment only. Custom parts, aftermarket accessories, upgraded exhaust, custom paint, chrome work, and other modifications require additional custom parts and accessories coverage. We'll help you properly insure all your bike's enhancements to ensure you're fully protected.
Do I need insurance for a scooter or moped?
In Florida, scooters and mopeds with engines 50cc or larger are classified as motorcycles and don't legally require insurance (unless financed). However, even a minor accident can result in costly medical bills and liability claims. We recommend liability coverage at minimum for scooters and mopeds to protect yourself financially.
Can I get a discount for taking a safety course?
Yes! Many insurance carriers offer discounts for completing an approved motorcycle safety course. Additional discounts may include: bundling with auto or home insurance, multiple bike discounts, anti-theft device discounts, safe rider discounts, annual mileage discounts, and going paperless. We'll identify all discounts you qualify for to get you the best rate.
Florida motorcycle insurance carriers we work with
Get a motorcycle insurance quote
We compare rates from multiple carriers to find the right coverage for your ride at a competitive price. No pressure, no jargon — just clear options.