Florida Motorcycle Insurance
There are two states in the U.S. that don’t require motorcycle insurance, and Florida is one of them (Washington is the other). You also don’t have to wear a helmet,* have a safety inspection, or even have turn signals on your motorcycle in Florida. Not only that, but this southern state is a great place to hit the open road with comfortable three-season riding and lots of riders to associate with.
Do I need motorcycle insurance in Florida?
All that being said, it’s still a really good idea (and highly recommended) that you carry at least a minimum of insurance coverage as a motorcycle rider.
The no-fault or PIP insurance coverage law in Florida does not apply to motorcycle drivers. So, while the victims of an accident in a car have 80% of their medical bills and 60% of their lost wages covered through PIP, no matter who is at fault, motorcycle drivers have no such coverage.
However, if motorcycle drivers are involved in a crash, Florida’s Financial Responsibility laws do apply. This means that you are personally responsible, by law, for any damage to people or property you cause with your bike. That’s why it’s a good idea to have motorcycle insurance even though it’s not required in Florida.
How much coverage do I need?
The minimums required by Florida state law for auto insurance are a good guide to help you decide how much motorcycle insurance to carry.
Minimum insurance coverage requirements as stated in Florida’s Financial Responsibility Law:
- Bodily Injury liability: $10,000 per person, $20,000 per crash
- Property Damage Liability: $10,000 per crash
- Personal Injury Protection: $10,000 per person per crash
Note that since motorcycle drivers are so exposed to injury in an accident, their injuries are often much worse than those experienced by people in a car in a similar accident. It’s a good idea to increase your bodily injury coverage. Also, for the same reason, consider higher limits of uninsured motorist coverage, because if an uninsured motorist hits you, you may have to pick up the whole tab.
Finding cheap motorcycle insurance in Florida:
The best way to find any cheap insurance is to shop around, and the best way to shop around for motorcycle insurance is online. You can find many sites that will offer you multiple quotes after you fill out a short form.
Because motorcycle insurance is not required by law, it is also not regulated by law, so read the fine print carefully and make sure you are getting the coverage you need.
*Note: You must wear a helmet if you are under 21 or do not have $10,000 in medical insurance.
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