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Get a Motorcycle Insurance Quote

We shop multiple A-rated motorcycle carriers for cruisers, sport bikes, and scooters — liability, full coverage, custom parts, and the uninsured motorist protection Florida riders need.

Florida-licensed since 2011

Who this is for

  • Daily commuterRides the Palmetto year-round, rain or shine.
  • Weekend cruiserCard Sound Road to Key Largo on Sundays.
  • Newly endorsed riderFirst bike, first policy — priced fairly.
  • Custom builderChrome, paint, and parts worth scheduling.

What's typically covered

  • Bodily injury & property damage liability
  • Comprehensive & collision (full coverage)
  • Uninsured motorist & medical payments
  • Custom parts & accessories coverage

Florida rules to know

  • No PIP on two wheelsFlorida's no-fault PIP doesn't cover motorcycles — UM and medical payments fill the gap.
  • No-helmet riding needs $10k medicalOver 21 without a helmet is legal only with at least $10,000 in medical benefits.
  • Register without insurance — until a crashAfter an at-fault crash, the state can suspend your license and tag.

Motorcycles sit in a strange corner of Florida insurance law. The state doesn't require insurance to register a motorcycle, and the no-fault PIP that covers cars doesn't apply on two wheels at all. But if you cause a crash, Florida's financial responsibility law can suspend your license and registration unless you can cover the damages — and if you're over 21 and ride without a helmet, state law requires at least $10,000 in medical benefits coverage for that to be legal. Add a year-round riding season and the theft risk that comes with South Florida, and 'legally optional' turns into 'practically essential' fast. We build rider policies around the coverages that actually pay: liability, uninsured motorist, medical payments, and comprehensive.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

About you

Motorcycle Insurance

What this coverage includes

What a Florida motorcycle policy actually covers — bodily injury and property damage liability, comprehensive and collision, uninsured/underinsured motorist, medical payments, custom parts & equipment, roadside and trip interruption, and passenger liability. We'll walk through which ones matter for how you ride.

Florida's no-fault PIP doesn't apply to motorcycles, and the state doesn't force other drivers to carry bodily injury coverage either — so a rider hit by a minimally-insured driver can be left with nothing unless the policy carries uninsured motorist and medical payments. Those two are where we start every motorcycle quote.

Coverage examples

  • Left-turn driver never sees the bike

    The most common serious motorcycle crash: a car turns left across your lane. Florida doesn't require drivers to carry bodily injury liability, so even when the other driver is 100% at fault, there may be no insurance money behind them. Your own uninsured/underinsured motorist coverage is what pays for your injuries — and since PIP doesn't apply to motorcycles, riding without UM means riding bare. It's the single most important coverage on a Florida motorcycle policy.

  • Bike stolen from a condo parking garage

    Comprehensive coverage pays actual cash value minus your deductible if the bike is stolen — and it's also what covers fire, flood, and the tree limb that lands on it in a storm. If you've added custom parts, standard comprehensive only carries a limited amount for them; a custom parts & equipment endorsement raises the limit to what the build is actually worth.

  • Dropped in a parking lot at low speed

    No other vehicle involved — just a bad angle, a patch of sand, and a fairing, mirror, and lever that need replacing. That's a collision claim. On a financed bike the lender requires collision anyway; on a paid-off bike it's optional, and it's worth doing the math on the bike's value versus premium and deductible. We'll run it both ways so you can decide.

Why Us

Why customers choose First Choice

Motorcycle Insurance

Frequently asked questions

Is motorcycle insurance required in Florida?
Not to register the bike — Florida doesn't require insurance to register a motorcycle. But the exposure is real: if you cause a crash, the state's financial responsibility law can suspend your license and registration unless you can pay for the injuries and damage yourself, and lenders require full coverage on financed bikes. Riders over 21 who want to ride without a helmet also need at least $10,000 in medical benefits coverage for it to be legal. Most riders carry liability plus uninsured motorist at a minimum.
Does the PIP on my car policy cover me when I ride?
No. Florida's no-fault law defines a motor vehicle as having four or more wheels, so PIP doesn't apply to motorcycles at all — not your own PIP, not the other driver's. That's why medical payments and uninsured motorist coverage matter so much more on a bike: they're what pays for your injuries when there's no PIP to fall back on.
Are my custom parts and accessories covered?
Partially. Most carriers include a limited amount of custom parts & equipment coverage with comprehensive and collision, and let you raise the limit for a documented build. If you've added exhaust, bags, chrome, paint, or performance work, tell us the rough value — we'll make sure the policy would actually replace it.
Do I need a motorcycle endorsement to get insured?
Florida requires a motorcycle endorsement on your license to ride, and first-time applicants must complete a state-approved motorcycle safety course to get it. Carriers ask about your endorsement and riding experience when quoting — and completing the safety course often earns a discount.
Can I get insured as a new rider, or after a lapse?
Almost always. We work with carriers that write first-time riders, riders with tickets, and riders whose coverage lapsed. The rate reflects the history, but because we quote several carriers at once, we find the one that prices your situation most fairly instead of a one-size-fits-all surcharge.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

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