Motorcycle Insurance in Miami, FL

Florida is a year round riding state, which also makes it one of the highest risk states for motorcycle accidents. The right policy protects your bike, your gear, and your finances if you are found responsible for an accident.

We quote motorcycle coverage with several carriers so you can compare price and protection side by side.

What motorcycle insurance covers

• Bodily injury and property damage liability
• Collision: damage to your bike from a crash, regardless of fault
• Comprehensive: theft, fire, vandalism, weather, and animal strikes
• Uninsured and underinsured motorist coverage
• Custom parts and equipment, accessories, and safety apparel
• Roadside assistance and trip interruption

What Florida owners should know

Florida does not require motorcycle owners to carry insurance to register a bike, but if you are in an accident and cannot prove financial responsibility, you face license and registration suspension and personal liability for the damages. Riders over 21 may ride without a helmet only if they carry at least $10,000 in medical benefits coverage.

Florida's no fault PIP law does not apply to motorcycles. That means your own medical bills after an accident may not be covered unless you add medical payments coverage or have health insurance that applies.

Common questions

Is motorcycle insurance required in Florida?

Not to register the bike, but you are financially responsible for any accident you cause. Most riders carry liability at minimum, and lenders require full coverage on financed bikes.

Does my policy cover a passenger?

Guest passenger liability is available on most policies and covers injury to a passenger riding with you. Ask us to confirm it is included.