Florida Motorcycle Insurance

Find Motorcycle Insurance in Florida for You Ride

With year-round weather that calls for sunny skies and warm temperatures, bike shows, swap meets, poker runs and other motorcycle events, it's no wonder so many Florida residents own motorcycles. If you're looking for a ride or rally, this is the place. The increasing popularity of the two-wheeled ride has also increased the number of motorcycle accidents in the state, however. Do you have an insurance policy that will help you recover quickly should you crash your bike? Before you search for motorcycle insurance quotes, there are several factors to consider.

Florida Motorcycle Accident Statistics

These are statistics according to the National Highway Traffic Safety Administration:

  • During the four years between 2008 and 2012, more than 2,320 motorcycle riders died on Florida highways and streets.
  • The highest death and injury rates were among the 20- to 24-year-old riders.
  • Head injury is the leading cause of death among motorcycle riders.
  • Motorcycle rider death rates increased among all rider age groups between 1998 and 2000.
  • Motorcycle rider deaths were nearly 30 times higher than other vehicle deaths.
  • Motorcycle riders aged below 40 are 36 times more likely to die in an accident than are other vehicle operators of the same age.
  • Motorcycle riders aged 40 or higher are about 20 times more likely to die in an accident than are other drivers of the same age.

Why Is Motorcycle Insurance Important?

While wearing a helmet is the single most important protection any rider can have, finding an insurance policy that can help you recover quickly from an accident comes in at second. Most riders pay thousands of dollars for their motorcycles. One accident can cost thousands of dollars in repairs. A motorcycle insurance policy can not only help you afford those repairs, but it can help pay for medical treatment should you or a passenger on your bike become seriously injured.

Motorcycle Insurance Requirements in Florida

Florida state law does require motorcycle operators to carry insurance on their bikes. You may want to use the following state minimum liability coverage requirements for private passenger vehicles as outlined in the Financial Responsibility Law as guidelines:

  • $10,000 in bodily injury liability for one person
  • $20,000 in bodily injury liability for two or more persons
  • $10,000 in property damage liability per accident

To make sure you have as much protection as possible, you might want to consider other types of coverage as well.

You also have to abide by Florida’s No-Fault Law, which requires the following:

  • $10,000 in personal injury protection per person/accident
  • $10,000 in property damage liability per accident

Motorcyclists who are at least 21 years old and have a minimum of $10,000 in medical insurance don’t have to wear helmets while operating their bikes.

However, every motorcyclist, regardless of age or insurance, must wear eye protection unless the motorcycle has a windshield, according to Florida state laws.

Is Your Bike a Motorcycle?

With so many two-wheeled vehicles available, it's sometimes hard to classify a specific motorcycle. The Florida Department of Motor Vehicles uses the following classifications:

  • Motorcycles: These are generally the easiest of the two-wheeled vehicles to identify. Know that if your two-wheeled vehicle has an engine displacement of more than 50 cc, Florida considers it a motorcycle and you must register and insure it. Motor bikes, sport bikes and choppers, for example, fall under the category of motorcycle.
  • Mopeds: Your vehicle is a moped if it has the following characteristics:
    • Three or fewer wheels
    • A seat
    • Pedals that allow you to propel the vehicle
    • A motor of two-brake horsepower or less
    • The ability to go no faster than 30 mph
    • An automatic power-drive system
    • A displacement of 50 cc or less (if it has an internal combustion engine
  • Scooters: Your vehicle is a scooter if it has the following characteristics:
    • No seat or saddle
    • three or fewer wheels
    • The ability to go no faster than 30 mph

What Does Motorcycle Insurance Cover?

The majority of FL insurance providers will give you the following coverage options from which to choose as you build your motorcycle insurance policy:

  • Liability coverage: This can help pay for another person's medical treatment if you injure that person while riding your bike. It can also help pay for any repairs if you damage another person's property. This coverage can help pay your legal fees and court costs as well if someone sues you.
  • Collision coverage: This can help pay for repairs to your motorcycle if it sustains damage in an accident, regardless of who is at fault.
  • Comprehensive coverage: This can help pay for repairs to or replacement of your motorcycle if it is damaged or totaled by fire, severe weather, theft, vandalism or any other covered event.
  • Accessories coverage: This can help pay for repairs or replacement of any safety equipment such as helmets and riding gear you may use with your bike.

What Are Motorcycle Insurance Quotes Like?

Quotes for a young rider who just bought a crotch rocket will be much higher than quotes for an older, experienced rider who owns a Harley cruiser. Most Florida insurance companies take several factors into consideration as they calculate your quotes, including the following factors:

  • The bike: The make, model and year of your motorcycle will affect your insurance quotes. A new bike will cost more to repair or replace than one that is 5 years old. How powerful an engine it has and whether you’ve added a turbo kit and other enhancements will also affect your insurance costs.
  • The driver: Your age and driving history are factor into consideration for liability insurance. Statistically speaking, younger drivers are more likely to be in a serious accident, which means the cost of coverage is higher. Motorists with a history of collisions and traffic violations will see higher quotes.
  • How it's used: If you use your bike daily to get to and from work, your risk for an accident is higher and your quotes will be higher. If you only take your motorcycle out on the weekends, you are not as likely to encounter as many hazards and you may see lower quotes.
  • How it's stored: If you keep your motorcycle locked in a garage when not in use, you will get lower premium quotes than if you leave it on the street, as it is at an increased risk of theft.

It's important to compare several quotes from a variety of insurance providers to be sure you find the best coverage options at the lowest possible price.

Where To Find Motorcycle Insurance

Whether you ride your motorcycle for a cause, for pleasure or for a convenient, easy-on-the-gas-mileage commute to work, you want an insurance policy to cover you and your bike in case of an accident. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer questions, suggest coverage options best suited for you and your bike and even assist you in filing a claim.

Contact a Trusted Choice agent near you to find out how you can obtain the perfect motorcycle insurance policy that meets your needs and budget.

Now, who's ready to get their insurance problems solved?