Motorcycle Insurance Florida | Cronin Insurance Agency – Boca Raton, FL

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Florida Motorcycle Insurance

Florida's year-round riding season means your bike needs year-round protection. We've got you covered.

⏱ Motorcycle quotes typically within 24 hours

Coverage Overview

What Motorcycle Insurance Covers

Florida's year-round riding season means your bike is on the road more than almost anywhere else in the country. Make sure your coverage matches your riding lifestyle.

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Liability Coverage

Covers bodily injury and property damage you cause to others in an accident. Required by Florida law if the bike is registered.

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Collision Coverage

Pays for damage to your motorcycle if you're involved in a collision — regardless of who was at fault.

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Comprehensive Coverage

Covers theft, fire, vandalism, hurricane damage, and other non-collision losses — essential in Florida.

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Uninsured Motorist

Protects you if you're hit by a driver with no insurance — particularly important for motorcyclists who face greater injury risk.

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Medical Payments

Covers medical expenses for you and your passenger after an accident, regardless of fault. Motorcyclists are more vulnerable to serious injuries.

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Custom Parts & Equipment

Covers aftermarket parts, custom paint, saddlebags, chrome, and other modifications beyond the stock value of the bike.

Florida Requirements

Florida Motorcycle Insurance Requirements

Florida has unique motorcycle insurance rules that differ from standard auto requirements.

Coverage	Requirement
Liability (Bodily Injury)	Required $10,000/$20,000 min
Property Damage	Required $10,000 min
PIP (Personal Injury Protection)	NOT required for motorcycles
Uninsured Motorist	Strongly Recommended
Collision & Comprehensive	Optional (required if financing)

⚠️ Unlike car insurance, motorcycles in Florida are NOT covered by PIP (no-fault) insurance. Motorcyclists are exposed to significantly higher injury costs — medical payments coverage fills this gap.

Save on Your Premium

Tips to Lower Your Motorcycle Insurance Rate

Complete a Safety Course

Completing an MSF (Motorcycle Safety Foundation) course typically earns a discount with most carriers.

Ask About Multi-Vehicle Discounts

If you own more than one motorcycle, insuring them on the same policy can reduce your overall premium.

Store Securely

Keeping your bike in a locked garage reduces theft risk and may earn a storage discount.

Maintain a Clean Record

A clean driving record — both for your car and motorcycle — is the single biggest factor in keeping rates low.

Choose the Right Bike

Sport bikes and high-displacement motorcycles carry higher premiums. Cruisers and standard bikes generally cost less to insure.

Common Questions

Motorcycle Insurance FAQs

Is motorcycle insurance required in Florida? ▾

Yes — if your motorcycle is registered in Florida, you are required to carry bodily injury liability ($10,000/$20,000) and property damage liability ($10,000). Unlike car insurance, Florida does not require PIP coverage for motorcycles, which means you have less built-in medical protection and should consider adding Medical Payments coverage.

Does my car insurance cover my motorcycle? ▾

No. Your auto insurance policy does not extend to motorcycles. Motorcycles require their own separate insurance policy — coverage, limits, and carriers are entirely different from personal auto insurance.

How much does motorcycle insurance cost in Florida? ▾

Motorcycle insurance in Florida typically ranges from $200–$1,500+ per year depending on your bike type, engine size, your age and riding history, coverage levels, and how and where you store the bike. Sport bikes and high-performance motorcycles cost significantly more to insure than cruisers or standard bikes.

Does motorcycle insurance cover theft in Florida? ▾

Yes — comprehensive coverage protects your motorcycle against theft, as well as fire, vandalism, hurricane damage, and other non-collision events. Motorcycle theft is common in Florida, so comprehensive coverage is strongly recommended even if you're not financing the bike.

Are scooters and mopeds covered by motorcycle insurance? ▾

Coverage depends on engine size. Scooters and mopeds under 50cc may have different requirements and can sometimes be covered under a separate moped policy. Larger scooters and trikes are typically insured under a standard motorcycle policy. We'll help you find the right coverage for your specific vehicle.

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