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Comprehensive Local Motorcycle Insurance Guide

Florida Motorcycle Insurance

Motorcycle Registrations in FL

^ There are 619,152 registered motorcycles in Florida, the 2nd highest number in the nation. [1]

Motorcycle Insurance in FL by City

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Motorcycle Insurance Providers in Florida

FL Motorcycle Insurance

FL Motorcycle Insurance in Florida

Motorcycle Insurance Coverage Requirements in Florida

  • Minimum Liability Limits in FL: 10/20/10 [2]
    • 10  Required coverage up to $10,000 for one individual injured in an accident
    • 20  Required coverage up to $20,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

  • Insurer Verification of Insurance in FL [2]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Florida Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Florida

Mandatory motorcycle insurance coverage for riders in the state of Florida.

  • Motorcycle Insurance Requirements in FL [2]
    • Property damage liability coverage
    • Personal injury protection coverage

Motorcycle Helmet Laws in Florida

    • Motorcycle helmets required for 20 and younger. [3]

Motorcycle Insurance Laws & Regulations in Florida

Motorcycle License Regulations in Florida [4]

Detailed information about Florida laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Florida
  • Motorcycle License Laws in FL
    • The examination for a motorcycle license endorsement tests the applicant's knowledge of the operation of a motorcycle and of any traffic laws specifically relating to motorcycles.
    • Examination also includes an actual demonstration of the applicant's ability to exercise ordinary and reasonable control in the operation of a motorcycle.
    • Every 1st-time applicant for licensure to operate a motorcycle who is under 21 years of age must provide proof of completion of a motorcycle safety course.

Motorcycle Equipment Laws in Florida [4]

Various regulations and laws in Florida regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in FL
    • A person may not operate or ride upon a motorcycle unless the person is properly wearing protective headgear unless the operator is 21 years of age or older and is covered by an insurance policy providing at least $10,000 in medical benefits for injuries incurred as a result of a crash while operating or riding on a motorcycle.
    • A person may not operate a motorcycle unless the person is wearing an eye-protective device over his or her eyes of a type approved by the DMV.
    • Any motorcycle carrying a passenger, other than in a sidecar or enclosed cab, shall be equipped with footrests for such passenger.
    • No person shall operate any motorcycle with handlebars that are higher than the top of the shoulders of the person operating the motorcycle.
    • Any person who operates a motorcycle on the public streets shall, while so engaged, have the headlight or headlights of the motorcycle turned on.

Rider & Driver Facts in Florida

Rider & Driver Facts in Florida

Florida Motorcycle Registrations

  • Registered Riders in FL [1]
    • In 2012, Florida totaled 619,152 motorcycles registrations.
    • This number ranks 2nd in the United States by state (including Washington, D.C.).
    • Note: FL ranked 3rd in the nation in total auto registrations (all vehicle types) in 2011.

Florida Highway Facts

  • Speed Limits in FL [3]
    • Rural interstates: 70 mph
    • Urban interstates: 65 mph
    • Other roads: 65 mph
  • Consumption of Motor Fuel in FL [5]
    • Florida ranked 3rd in the U.S. in 2011 in total motor fuel consumption.

Florida Accident Reporting Regulations

  • Accident Reporting in FL [4]
    • Crashes are required to be reported as soon as possible in cases of death or injury.
    • Crashes are required to be reported as soon as possible in cases when property damage exceeds $500.

Additional information about Florida

About Florida

Florida as a whole has an approximate population of 18,801,310, which ranks 3rd in the nation. [6]

FL Motorcycle Insurance

FL Motorcycle Insurance

To learn more about Motorcycle Insurance in Florida, or for additional resources related to Florida Motorcycle Insurance, visit the Florida Department of Insurance.

Did you know?

According to the Insurance Information Institute, there were about 8.5 million motorcycles on the road in 2012.

Florida Cities


1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Florida DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)