Do I Need Insurance On A Motorcycle In Florida?

If you live in or are considering moving to Florida, you may be wondering about the state’s motorcycle insurance laws. Do you need insurance on a motorcycle in Florida? The answer is yes – all riders are required to have insurance. But what kind of insurance do you need? In this blog post, we will explore the types of motorcycle insurance available in Florida and how to choose the best policy for you. We will also touch on some of the common myths about motorcycle insurance.

What is motorcycle insurance?

Motorcycle insurance is a type of insurance that helps protect you financially if you have an accident while riding your motorcycle. It can help pay for damages to your motorcycle and any injuries that you or someone else may suffer in an accident. It can also help cover the cost of legal fees if you are sued because of an accident.

What are the different types of motorcycle insurance?

There are four types of motorcycle insurance: liability, collision, comprehensive, and uninsured/underinsured motorist.

Liability insurance covers damage to other people or property that you cause while riding your motorcycle. It does not cover damage to your own motorcycle.

Collision insurance covers damage to your motorcycle caused by a collision with another vehicle or object. It does not cover damage to other people or property.

Comprehensive insurance covers damage to your motorcycle caused by events such as fire, theft, vandalism, or weather. It does not cover damage to other people or property.

Uninsured/underinsured motorist insurance protects you if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages they have caused.

The benefits of motorcycle insurance

If you’re a motorcycle rider in Florida, you’re required to have insurance. But even if you’re not required to have it, there are still plenty of benefits to getting motorcycle insurance. Here are just a few of those benefits:

1. It can help you financially if you’re in an accident.

No one ever wants to be in an accident, but unfortunately, they happen. If you have motorcycle insurance, your insurer will help pay for damages caused by the accident, up to your policy limits. This can save you a lot of money, especially if the accident was not your fault.

2. It can help you financially if your motorcycle is stolen.

Another unfortunate reality is that motorcycles sometimes get stolen. If this happens to you and you have comprehensive coverage on your policy, your insurer will reimburse you for the value of your stolen bike, up to your policy limits. Again, this can save you a lot of money and headaches.

3. It can give you peace of mind while riding.

Knowing that you’re covered in case of an accident or theft can make a big difference in how confident and relaxed you feel while riding your motorcycle. And that peace of mind is worth a lot!

How to get motorcycle insurance in Florida

Motorcycle insurance is not required in Florida, but it is highly recommended. If you are caught riding without insurance, you could face severe penalties.

There are a few different ways to get motorcycle insurance in Florida. You can purchase it through a private insurer, or you can get it through the Florida Motorcyclists’ Safety Association (FMSA).

If you decide to purchase insurance through a private insurer, there are a few things you need to keep in mind. Make sure to shop around and compare rates from different companies before making a decision. It’s also important to make sure that the company you choose offers coverage in Florida.

If you decide to get insurance through the FMSA, you need to be a member of the organization. Membership costs $25 per year, and it includes liability coverage up to $10,000. You can also add on optional coverages for an additional cost.

What to do if you are involved in a motorcycle accident

If you are involved in a motorcycle accident, the first thing you should do is seek medical attention. Even if your injuries seem minor, it is important to get them checked out by a doctor as soon as possible. Once you have been seen by a medical professional, you should contact an experienced motorcycle accident attorney. A good attorney will be able to help you navigate the legal process and fight for the compensation you deserve.


In short, yes—motorcycle insurance is required by the state of Florida if you want to ride on public roads. This minimum coverage will help ensure that, in the event of an accident, both you and your motorcycle are protected. There are a variety of different policies available, so be sure to do your research and find the one that best suits your needs. And always remember to practice safe riding!