Motorcycle Insurance

Coverage that rides with you.

Our motorcycle insurance policies are designed for Florida riders who want coverage that’s flexible, affordable, and road-ready.

Why Motorcycle Insurance Matters

Florida doesn’t require motorcycle insurance by law, but that doesn’t mean you should ride without it. Accidents happen fast—and without proper coverage, you could be left footing the bill for medical costs, bike repairs, or legal claims. Whether you ride year-round or seasonally, we’ll help you build a policy that covers more than just the basics, with options for custom parts, passenger protection, and roadside assistance.

A woman wearing a helmet is standing next to a motorcycle.
Two men are sitting on motorcycles on top of a hill.

What Motorcycle Insurance Can Cover

Liability Protection

Covers damage or injuries you cause to others while riding.

Collision Coverage

Pays for repairs to your bike after an accident, regardless of fault.

Comprehensive Coverage

Protects against theft, fire, vandalism, or weather-related damage.

Accessories & Gear

Covers helmets, jackets, and other riding gear that may be damaged or stolen.

Frequently Asked Questions

  • Is motorcycle insurance required in Florida?

    Unlike car insurance, Florida doesn’t require motorcycle insurance to register your bike. However, if you’re found at fault in an accident without coverage, you could face personal liability, license suspension, or financial penalties. It’s better to ride protected from day one.

  • Does motorcycle insurance cover passengers?

    Not automatically. Some policies exclude passenger liability, so it’s important to add this coverage if you frequently ride with others. We’ll help you include the right protections for every seat on your bike.

  • Can I insure custom parts and aftermarket gear?

    Yes! We offer coverage for custom paint, chrome parts, saddlebags, helmets, and riding apparel. Be sure to tell us what upgrades or accessories you’ve added—we’ll make sure they’re included in your policy.

  • Can I suspend coverage when I’m not riding?

    Some carriers allow seasonal adjustments or reduced coverage while your bike is in storage. We can help set up a flexible policy that matches your riding habits and saves you money during the off-season.