Florida Motorcycle Insurance.  Know What You Need to Protect Yourself! Insurance requirements for motorcycles in Florida are pretty simple – If you are over 21 you do not have to have it.  But before you start counting all of the money you are going to save on insurance premiums, let’s talk about why you SHOULD carry it even though you don’t HAVE to.
Insurance requirements for motorcycles in Florida are pretty simple – If you are over 21, you do not have to have it.  But before you start counting all of the money you are going to save on insurance premiums, let’s talk about why you SHOULD carry it even though you don’t HAVE to.

  • Florida Law holds you fully responsible for injuries caused by you whether you have insurance or not.

  • You are required to have $10,000 in medical payment insurance if you are over 21 and do not  wear a helmet.

  • Insurance will pay to fix your motorcycle if you wreck it or drop it, or if somebody without insurance damages it.


Now that you know why insurance is a good idea, let’s touch briefly on the types of motorcycle insurance available in Florida.

Bodily Injury Liability –  Basic insurance that only covers injuries and damage you cause to other people. You and your bike are not covered.

Property Damage  – Covers any damage done to vehicles or other property by your motorcycle.

Comprehensive and Collision – Covers damage, loss or theft of  your motorcycle.

Uninsured Motorist – Covers you in the event that you are injured in an accident caused by somebody who has no insurance or not enough insurance. (Very Important Insurance To Have!)

Even though the State of Florida does not require most people to carry motorcycle insurance, it is still wise to have it. For just a few hundred dollars per year, you are protecting your bike, your health, and your assets. It’s well worth it.

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