The Sunshine State provides ample roads for bikers and an abundance of natural and man-made wonders to enjoy. There are many attractions—both million-dollar endeavors and tourist destinations—to appreciate, too. And when you've got motorcycle insurance, nothing stands in the way of you and your next adventure.

What’s required of all motorcycle riders in Florida?

The laws for Florida motorcycle riders are as follows:

Eye protective gear is a must when you ride in Florida. You’re not required, however, to wear a motorcycle helmet if you're at least 21 years old and have an insurance policy that provides a minimum of $10,000 in medical benefits. You must wear a helmet if you don’t have an insurance policy meeting that minimum or you’re under 21.

If you’re pulled over for not wearing a helmet, a police officer will accept a health insurance card (or policy or declarations page) that lists your current insurance coverage from an HMO or other recognized health insurance company. Limited motorcycle medical coverage in Florida is sufficient.

As in any state, it’s important to know and follow the laws carefully. While motorcycle violations are usually considered civil infractions and not subject to fines, they can adversely affect your driving record and result in a premium increase. On the other hand, an offense like drunk driving could lead to criminal charges. 

If you're in an accident in Florida, you’re required to provide proof of financial responsibility immediately following the occurrence. Without proof of financial responsibility, your license and registration could be revoked or suspended, and you may have to pay fees to regain your riding privileges.

In this state, you may not ride a motorcycle or moped while wearing headphones. However, you're permitted to use motorcycle helmets with speakers or cellphone headsets containing a single earbud. It's also against the law to have handlebars that are above the rider's shoulders. If you're going to have a passenger, they must have a seat and ride with their legs straddling both sides and their feet on the footrests. In general, every bike must have footrests, handlebars, brake lights, and signal lights.

Two motorcycles can ride side-by-side in the same lane in Florida. Three or more cycles must ride in multiple rows, no more than two abreast. Like in all states other than California, you’re not permitted to ride between two lanes of traffic, otherwise known as lane splitting. You’re required to have your lights on—even during the day.

Since 2008, Florida has required all riders to take a riders’ safety course, most often the MSF Basic Rider Course. Before you can start the course, you need a valid driver's license or learner’s permit. Once you complete your course, go to the drivers' license or tax collector's office to receive your license. You’ll need a valid ID and roughly $20 to cover various fees. A replacement ID is $25.