News / June 19, 2020 October 12, 2021 / 5 minutes of reading
On average, most motorcyclists from Florida will pay between $500 to $600 a year on their motorcycle insurance. This can change depending on your:
Insurance provider
Driving history
Credit score
Age and sex
Motorcycle type
Coverage needed and required
In the state of Florida, motorcyclists are not required by law to have insurance. In fact, Florida is one of 6 states that doesn’t require their drivers to have it.
Drivers must have a motorcycle license, also known as a motorcycle endorsement. Riders without a license can have their motorcycle impounded for their 2nd-degree misdemeanor as well as:
A fine of $500
Up to 60 days in jail
6 months of probation
It’s important to have insurance to pay for any damages caused by you or another driver. Drivers without liability insurance risk facing serious fines and penalties, and could even end up in millions of dollars worth of debt. Florida motorcyclists have a minimum coverage of:
$10,000 property damage coverage per accident
$10,000 personal injury protection
$20,000 bodily injury or death per accident
Unlike car insurance, motorists don’t require personal injury protection insurance. Drivers should get insurance and more than just the minimum coverage. Unlike cars, it’s proven that motorcyclists are far more likely to not only get into an accident and become seriously injured in one as well.
Let’s say you do get into an accident, and end up seriously injuring yourself to the point where you can never work again. Regardless if you’re responsible for the accident, your insurance will need to cover all medical bills along with future lost wages, damaged property, and several other damages.
Cheap Motorcycle Insurance in Florida
Depending on what kind of motorcycle you get, your premium can change. To get the most accurate quote, you can simply call Quote Purple to get the most competitive rates from the best insurance providers today.
On average, Florida motorcyclists pay between $500 to $600 a year for their insurance, but you could also get a rate as low as $70 a year for minimum coverage. Here are some estimates for both a newer and older motorcycle with a bit more coverage.
Older Motorcycle
Newer Motorcycle
Progressive
$335
$1,415
Esurance
$390
$1,730
Markel
$435
$785
Geico
$545
$1,500
Dairyland
$570
$1,545
Motorcycle Insurance in Florida by City
As a larger state, many riders might find that the average annual insurance rate isn’t what they’re going to pay. This is because where the rider lives affects the premium.
For instance, let’s look at the differences between some of the larger cities in Florida. These quotes reflect a driver with a clean record and with the recommended coverage.
Jacksonville
$790
Orlando
$815
Tampa
$965
Miami
$1,355
Although you would think that the pure size of the city may account for these estimates, even smaller cities can be expensive. This is because other factors such as credit scores and environmental risk are also considered when insurance providers create these quotes.
For instance, here are some quotes from some smaller cities in Florida.
Port St. Lucie
$455
Cape Coral
$765
Tallahassee
$770
Fort Lauderdale
$1,105
As you can see, despite Fort Lauderdale having a much smaller population and size than Jacksonville, motorcycle riders pay more in Fort Lauderdale.
What Should Your Insurance Cover?
Your insurance must also cover any injuries to yourself, other people, and the cost to repair your motorcycle. If you have a sport motorcycle or a sportbike, you have an even greater chance of getting into an accident.
Motorcycle insurance in Florida is relatively inexpensive, but you should still have the best coverage. Florida has a lot more risks for drivers than other states, which is why their car insurance is so expensive. Your basic motorcycle insurance should be able to cover:
General liability
Personal injury protection
Guest passenger liability
Motorcycle collision
Comprehensive coverage
Customized motorcycle parts
Uninsured/Underinsured motorist coverage
These coverages ensure you’re protected no matter how extensive the crash.
Florida Motorcycle Laws
In addition to the minimum insurance requirements for motorcycle riders, Florida also has a few other laws regarding motorcycles. No one under 16 can legally operate or get licensed to drive two or three-wheel motor vehicles on Florida roads and highways. This includes motorcycles, mopeds, motorized scooters, and even electric motor bicycles.
In addition to this, Florida also requires riders to have one of the following licenses to operate a motorcycle.
Motorcycle Endorsement
Any rider looking to drive a two or three wheel motorcycle with an engine more than 50 cc, is required to have a motorcycle endorsement. This endorsement can be on your regular driver license or included in a motorcycle-only license. An endorsement shows that you are properly trained and qualified to operate a motorcycle.
To get this license, riders must:
Hold at least a Class E drivers license
Complete Florida’s Basic RiderCourse (BRC) or another state-approved safety course
Pay the $7.00 endorsement fee, a license fee, and an additional $6.25 if you’re applying at a tax collector office
Be sure to get your endorsement right away after passing your safety course. Endorsements must be passed within a year. Even riders who have passed their safety test will have an invalid endorsement if not licensed by a licensing or tax collector office.
Motorcycle Only License
To get a full motorcycle only license, drivers must be at least 16 years old. If the rider is under 18, they must also hold a learners permit with no traffic violations for at least a year.
Motorcycle only license holders also need to pass their Class E driver’s license test and complete Florida’s BRC with an authorized sponsor.
Similarly to endorsed motorcycle riders, motorcycle only license holders must also go to a licensing or tax collector office to retrieve their valid license.
