Best Florida Motorcycle Insurance

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Contributor, Benzinga
April 14, 2022

Quick Look: The Best Florida Motorcycle Insurance

Being a resident of Florida offers plenty of exciting things to do. You can swim with manatees, snorkel for scallops and legally ride a motorcycle without a helmet. Whether or not you are willing to take a chance riding without a helmet, it would be a stellar idea to have the best motorcycle insurance in Florida. Read below for the most up-to-date information to help you find the best agency that works for you.

The Best Florida Motorcycle Insurance

You may not know it, but Florida is only 2nd to California with the country’s highest number of registered motorcycles. Given that fact, you do have more choices for your motorcycle and car insurance than in most other states. Depending on individual circumstances, a 1-year policy includes quotes that range from less than $200 to upwards to more than $1,300. Listed below are our findings and picks for the best motorcycle insurance in Florida.


You are probably used to the idea that you get what you pay for in today’s modern world. When you put up more money, you tend to get a better product, and on the flip side, when you pay less you run the risk of purchasing a lower quality product. This concept applies directly to a Progressive motorcycle insurance policy. With any additional annual costs, standard protection will pay to repair your damaged motorcycle with new parts without a deduction for appreciation.

For any claims less than $500, you avoid points on your driving record and potential rate increases. As long as you remain accident-free for 4 consecutive years, you will not be penalized for your 1st accident. Progressive ranks among the top motorcycle insurance companies and offers many different options that you can add to your policy. A 1-year policy quote in Florida is $970.

Farmers Insurance

Farmers Insurance gives you the ability to bundle your auto, home and life insurance policies and even multiple bikes. You may also be eligible to receive a bonus multipolicy discount. This puts you right on track to save more with loyalty, riding group and antilock brake discounts.

In addition, roadside assistance is included with coverage, and Farmers Insurance allows you to add total loss replacement for any bikes less than 2 years old. Medical payments, property damage, collision, comprehensive and liability for bodily injury are covered under Farmers Insurance plans to help protect you in the event of an accident.


Even though recent ratings for USAA have dropped from an A to an F due to unresolved customer complaints, the U.S. Military, National Guard, Reserves and their families still have a great experience with USAA.

The company, which has been in service since the 1920s, still has top-of-the-line ratings in AM Best. Discounts of 5% off total policy cost, motorcycle safety courses and multiple motorcycles are just some options consumers can select from with USAA. A 1-year policy quote for Florida residents that also includes 24-hour roadside assistance is $478.


Exceptional customer service is the driving force for Allstate’s top rating in agents.

Dedicated and knowledgeable experts will walk you through your coverage options step by step. While this feature may mean that policies are more expensive, it also results in superior customer service.

Another part of Allstate’s coverage options is that it is easy to customize policies. Allstate puts the satisfaction of every insurer at the forefront, above all else.  


If you are looking for low costs and rates, Dairyland insurance might be right for you.

There are several discount options for riders like multicycle, homeowner, loyalty, rider safety course, policy transfer; additionally, Harley Owners

Group members receive special discounts.

Dairyland is held in high regard among customers because of its affordable costs and services.

Key Points

  • $10,000 for bodily injury for 1 person per accident
  • $20,000 for bodily injury for 2 or more people per accident
  • $10,000 property damage coverage per accident
  • The average rate with a clean driving record is $690.91.
  • Florida Motorcycle Insurance Laws

    Florida is known as the Sunshine State and for good reason. It is a hot spot for anyone who seeks adventure and doesn’t mind a little heat.

    Do You Need Motorcycle Insurance in Florida?

    For those who are big motorcycle riders, you should know that living in Florida requires insurance to protect you and other people on the road. Remember, insurance covers liability, offers collision coverage and even handles replacement costs for your vehicle.

    You are, however, able to ride a motorcycle without a helmet. It isn’t advisable, but should you do it anyway, make sure you possess at the very least Florida’s minimum motorcycle coverage. Florida boasts approximately 12.8 motorcycle riders per household.

    Is Motorcycle Insurance Required in Florida?

    The bare minimum state coverage requirements include:

    • $10,000 for bodily injury for 1 person per accident
    • $20,000 for bodily injury for 2 or more people per accident
    • $10,000 property damage coverage per accident

    Types of Motorcycle Insurance Required in Florida

    Regardless of whether or not you wear a helmet, in Florida liability insurance is a must for motorcycle riders. Under this plan, $10,000 covers bodily injury or death of 1 person per accident and $20,000 covers bodily injury or death to 2 or more people per accident. Florida enforces that motorcyclists carry at least $10,000 for property damage as well.

    A minimum of $10,000 in medical protection is required to cover the cost of any injuries sustained in an accident. Although medical insurance is optional for motorcycle riders in Florida, it is mandatory for anyone riding without a helmet.

    It is out of the question for you to drive a motorcycle without a license, which is also referred to as a motorcycle endorsement. Riding without a motorcycle license is considered a 2nd-degree misdemeanor and can lead to consequences that include:

    • A fine of $500
    • Up to 60 days in jail
    • 6 months of probation
    • Impounding of your motorcycle

    Average Cost Florida Motorcycle Insurance

    When it comes to motorcycle insurance in Florida, you can buy a standard policy for less than a third or nearly more than double the state’s average rate. Remember, you’re looking for bodily injury and medical payments coverage, insurance for uninsured motorists. Plus, you want your policy to cover underinsured motorists who leave you with bills to pay after an accident. Here are 1-year policy quotes from 5 insurance providers:

    CompanyQuote for a 1-Year PolicyPrice Rating
    Harley Davidson $1,062.492
    State Farm$5984

    Get the Cheapest Florida Motorcycle Insurance

    All carriers in Florida offer a handful of motorcycle insurance discounts, but some companies stand out from the crowd for keeping money in your pocket. Yes, you want comprehensive coverage that offers several different types of coverage, but you also need affordable motorcycle insurance. Balancing the 2 can be difficult. Here’s a sampling of discounts that 5 carriers offer: 

    CompanyDiscounts OfferedOverall Rating
    Auto-OwnersMultiple bike, anti-lock brakes, anti-theft device, safety course4
    FarmersMultiple bike, loyalty, homeowner, riding group, anti-lock Brakes 4.3
    GEICOTransfer, multiple bike, loyalty, homeowner, rider experience, anti-theft device, safety course5
    NationwideMultiple bike, homeowner, rider experience, anti-theft, safety course5
    ProgressiveTransfer, bike, homeowner, claims-free, anti-lock brake, safety course, motorcycle Driver’s license4.3

    How to Buy the Best Florida Motorcycle Insurance

    As you consider purchasing the best motorcycle insurance in Florida, reach out to some of the agencies we listed above. You can always call, email or schedule an appointment to meet in person with an agent. From there, an agent will support you through the process of finding the right fit for you for liability insurance. Ask as many questions as possible because you never know if you may qualify for any discounts or special offers that decrease your rates.

    Be Responsible When Riding

    Be sure to brush up on Florida’s laws regarding motorcycle riding. It is important to understand the state’s laws and minimum insurance requirements. Florida’s motorcycle laws are unique and unlike any other state. Consider increasing your coverage and keeping a watchful eye on policy levels to ensure you don’t get caught without the protection you need.

    Frequently Asked Questions


    What are the common causes of motorcycle accidents in Florida?


    Motorcycle accidents caused by other drivers happen for many reasons. Some of the most common causes include distracted driving, texting, driving under the influence, inattentive drivers and speeding. 


    Should I contact my insurance company after my motorcycle accident?


    Yes. Keep your comments brief until you officially file a claim. Anything you say could be used by insurance companies to keep financial payments to you to a minimum. 

    Money-saving Motorcycle Insurance

    Harley-Davidson Insurance Services provides services as a trusted motorcycle insurance agency that knows all about the motorcycle lifestyle. The company stands behind its policies with industry-leading services, coverage and support. You’ll also get money-saving motorcycle insurance discounts and experienced customer service and claims support.