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What are the motorcycle insurance requirements in Florida?

The minimum insurance coverage for bodily injury liability coverage and property damage liability can be no lower than:

  • $10,000 minimum for each accident for bodily injury
  • $10,000 minimum guest passenger limits must be equal to bodily injury (if selected)
  • $10,000 minimum for property damage and must apply to all vehicles

Comprehensive and collision

  • Not a mandatory coverage
  • Up to $60,000 in comprehensive coverage
  • Actual cash value for collision coverage
  • Deductibles may vary between comprehensive and collision
  • Deductibles may vary across multiple vehicles for both comprehensive and collision

Does Florida have any optional motorcycle insurance coverage?

You can get various other forms of insurance coverage in Florida. At Dairyland®, we have plenty of options to help protect you and your bike.

Uninsured motorist (UM)

You can also buy UM coverage to help protect you in an incident when the other party is uninsured, doesn't have enough coverage, or flees the scene. Florida often ranks as the No. 1 or No. 2 state in the number of uninsured drivers. As a result, you may want to consider UM coverage if you ride in Florida.

The bodily injury liability and property damage liability limits on a UM policy can be no lower than:

  • $10,000 minimum for each accident for bodily injury
  • $10,000 minimum guest passenger must be equal to bodily injury (if selected)

UM bodily injury coverage isn’t required for motorcycle riders, but it must be explicitly rejected when presented as an option during your policy purchase. Limits on UM bodily injury coverage must be equal to or less than bodily injury liability limits.

Florida motorcycle insurance discounts

The average rate for a motorcycle insurance policy in Florida is about $690 annually or $57.50 per month. It’s important to note this rate can be affected by your driving record and the coverage options you select.

There are, however, plenty of opportunities to get discounts on your motorcycle insurance policy. Here are the discounts Dairyland offers:

  • Advance quote
  • Bike replacement (loyalty)
  • Claim-free renewal
  • Garaging
  • HOG® member1
  • Homeowner2
  • Motorcycle endorsement
  • Multi-line
  • Operator safety course
  • Paid-in-full
  • Prompt payer
  • Rider group
  • Transfer

1HOG member and rider group are mutually exclusive

2Homeowner discount will apply if the named insured owns a home, condominium, town home, or a mobile/modular home (no age restriction).

Sites to see in Florida

Florida Everglades: Once you leave Naples, it’s easy to find U.S. 4—aka the Tamiami Trail. Take that through the Florida Everglades, a subtropical region so vast it can be seen from space. The Everglades is a 1.5-million-acre wetlands preserve where hundreds of animal species live, including the endangered leatherback turtle, Florida panther, and the West Indian manatee. The Tamiami Trail is a great way to see the preserve, especially if you make pit stops to explore some of the boardwalks along the way.

Florida Keys: The Florida Keys are a series of tropical islands that dot the southern tip of Florida, extending 120 miles into a region between the Atlantic Ocean and the Gulf of Mexico. The name of the actual road that connects the Keys is the Overseas Highway, which snakes 113 miles of U.S. Route 1 along the shores of Florida. There are opportunities to snorkel, have close encounters with dolphins, take an eco-tour, fish, see some seven-toed cats at the Hemingway House, and more. You can also combine this trip with a ride through the Everglades and avoid the traffic of Miami by taking 997 south. Once you exit the Everglades, follow signs for U.S. Route 1.

The Ozello Trail: Just south of Crystal River, follow US 19 south and take a right onto the 494—aka the Ozello Trail. This road takes its time heading toward the Gulf of Mexico, passing through extensive salt marshes and islands filled with sabal palms and cedar trees. The road's nine miles are peppered with 67 turns and is home to such birds as ospreys, owls, and kingfishers, making for both an exciting and beautiful ride. If you’re hungry along the way, stop at the locals’ favorite restaurant, Peck's Old Port Cove, for some blue crabs and garlic crabs, which are raised onsite. Opting for the fried seafood or fried fish platter is an equally delicious choice.


Get a Florida motorcycle insurance quote

Florida has so much to see and experience, which is good news because it rewards repeat visitors. So whether you’re here for the first time or you're on the road back to check out more of the Sunshine State's many sites—do so worry-free with motorcycle insurance having your back.

Get insured and ride on.

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