As an avid ATV rider, it’s a given that you also love motorcycles. The great thing about motorcycles is that you can ride them out on the open road to any given destination, unlike your ATV which is limited to trails. Florida is a great place to ride a motorcycle.

In order to get the full enjoyment out of it, it’s best to first make sure that you’ve got the proper Florida motorcycle insurance. In fact, FL doesn’t require that much coverage. After purchasing coverage, you can simply relax and enjoy the ride instead of worrying about what will happen to you or your motorcycle in the event of an accident.

Minimum Florida Motorcycle Insurance Requirements

While coverage is not required, it is still strongly recommended to purchase a policy. Florida doesn’t require that much coverage so you should be able to find an affordable policy if cost is an issue according to Keep reading below to learn more about the minimum requirements in FL.

Florida motorcycle insurance offers many different types of coverage. It is up to you to determine which is best for you. For example, here are the main types of coverage:

  • Collision Insurance
  • Comprehensive Insurance
  • Liability Insurance

A Florida agent will be able to help you and provide all the information you need about coverage options available to you. If you are unsure of what you want, an agent can help you determine what is best for you. The minimum requirements for Florida motorcycle insurance are as followed:

  • $10,000 for one person for bodily injury liability
  • $20,000 for two or more people for bodily injury liability along with
  • $10,000 per crash towards property damage liability


Motorcycle insurance in Florida from for collision covers damage to your bike when you’re involved in an accident. If your bike is involved in a collision with another object or vehicle, it’s covered. Keep in mind that collision coverage does not cover your medical bills and damages you caused to others vehicle or property.


Comprehensive FL motorcycle insurance pays for damage to your motorcycle that’s not caused by a collision. If your motorcycle is vandalized, is destroyed in a fire, is stolen, or other similar situation, you can be reimbursed up to the total cash value of the bike, less your deductible. Like collision coverage, comprehensive insurance is based on the book value of your motorcycle. Since many motorcyclists modify their bikes with custom paint jobs, chrome accessories, and other aftermarket parts, it’s important for owners to have the value of these modifications reflected in the value of the motorcycle when the policy is drawn up.


Motorcycle insurance in FL for liability is designed to cover you for bodily injury and property damage if you’re involved in an accident. It’s important to keep in mind that this coverage is only extended to other people’s injuries and damage to other people’s property, not your own. You and your motorcycle are not covered. You’ll have to inquire whether your policy includes a Guest Passenger Liability rider that covers someone injured while riding as a passenger on your motorcycle. 

What about Personal Injury Protection?

Florida motorcycle insurance also includes PIP, for Personal Injury Protection. Most companies here in Florida aren’t required to off PIP for motorcycle coverage. This optional insurance covers you for medical expenses as a result of an accident that you’re involved in. If you add this additional coverage to your policy, it can get quite expensive. The risk for heavy costs is so high, many companies will not add PIP coverage to a motorcycle policy.

What if I dont purchase coverage?

Motorcycle drivers that cannot provide proof of coverage will have to deal with strict penalties. These penalties will consist of driver license suspension, motorcycle registration revoked, and high fees in order to regain driving privileges. It’s not worth the risk of driving without Florida motorcycle insurance. Now that you know the requirements start shopping for a policy at You may be surprised to find that it’s quite easy!