The Best Motorcycle Insurance Companies in Florida (2022)

Compare Motorcycle Insurance Quotes in Florida

presently insured ? The indemnity that protects your motorcycle should be authentic, but that does n’t mean it needs to be expensive. After reviewing more than 100 insurance quotes in Florida, we found that Progressive is the most low-cost option, at around $ 628 per year, which is $ 314 less than the state average .
We found the average price of motorcycle policy in Florida is $ 942 per class, or $ 79 per month .

The cheapest motorcycle insurance companies in Florida

In Florida, we found that the most low-cost motorcycle indemnity in each ZIP code came from Progressive, which had a low average premium of $ 628, compared to the industry average of $ 942. Rates were besides fairly abject at Allstate. All of our quotes were based on coverage limits that were well higher than the submit ‘s legal indemnity requirements, which means that the average for bare minimum coverage will be flush lower .
The cheapest motorcycle insurers in Florida

Compare Motorcycle Insurance Quotes in Florida

presently insured ?


Average annual rate

Progressive $628
Allstate $767
Geico $841
Florida Average $942
Dairyland $1,532

As we ‘ve noted above, the cheap policy is n’t always the best option. If the insurers we ‘ve mentioned do n’t fit the beak, you can find other options in our coverage of the best motorbike policy companies in the nation as a whole .

Best motorcycle insurance for most people: Progressive

ProgressiveGet a Quote Progressive has the lowest rates in Florida, plus many coverage options and reliable overhaul. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” elementary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/progressive-2 ”, ” description ” : ” Progressive has the lowest rates in Florida, plus many coverage options and reliable service. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” link ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/auto\/ & carrier=Progressive ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” name ” : ” Progressive ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : truthful, ” hideDisclaimer ” : false, ” hideTitle ” : truthful, ” championship ” : ” Progressive ” }
Progressive ‘s rates for motorcycle indemnity were the lowest of any caller we looked at in Florida, with a typical price of $ 628 per class. That ‘s 33 % cheaper than the median pace we found overall and $ 139 less expensive than the second-cheapest option, Allstate .
We were besides impressed by Progressive ‘s coverage options. Beyond the basics like indebtedness and collision coverage, Progressive offers extras like wide replacement coverage for newfangled bikes, protection for accessories and customer parts and trip pause — some of which come standard with every policy .
As a major national insurance company, Progressive offers a wide stove of opportunities for discounts, including for bundling your policy with car or home policy — which is among the best ways to save on policy .
Progressive has well-rated customer overhaul, besides. With a National Association of Insurance Commissioners ( NAIC ) complaint index of 0.74, Progressive receives only 74 % of the complaints expected for a caller its size. This suggests that Progressive customers tend to be happy with their service, overall .

Best customer service: Allstate

AllstateGet a Quote Allstate has the best customer serve of any motorcycle insurance company we reviewed in Florida. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” primary ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” class ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/allstate-3 ”, ” description ” : ” Allstate has the best customer service of any motorbike insurance company we reviewed in Florida. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” associate ” : ” hypertext transfer protocol : \/\/\/zero-click.html ? cu=https : \/\/\/auto-insurance.aspx & carrier=Allstate ; TKzt2XWu22mNOdQNJ2a4RzoV6BRPpNDUopJCfh7rAsgYilC61MaFepVn5p1L6_mIOJTZIazfFd3kcRBYBf9NIndYo-7WqA ”, ” identify ” : ” Allstate ”, ” hideBanner ” : delusive, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : fake, ” hideTitle ” : true, ” deed ” : ” Allstate ” }
For motorbike riders who prioritize the best possible military service in Florida, over price and coverage options, we recommend Allstate. Its ailment index from the NAIC was the best we saw, at merely 0.63. That means that Allstate indemnity customers file complaints lone 63 % vitamin a much as with a typical insurance company of the same size .
Allstate ‘s rates were besides on the low-cost side, though not adenine cheap as Progressive, our acme pluck. Its typical rate was $ 767 per year, about 19 % less than the statewide average. Customers who have early insurance policies with Allstate, such as home or car indemnity, may be able to reduce their rates by qualifying for a multi-policy discount .
We thought Allstate ‘s coverage options were good, angstrom well, but not american samoa strong as Progressive ‘s. It includes options like accessories and trailer coverage but does n’t offer an OEM parts guarantee or enhanced injury protection .

Best for military families: USAA

USAAGet a Quote USAA offers indemnity at a discount from Progressive, our acme pick. { “ bannerDisclaimers ” : [ ], ” buttonColor ” : ” basal ”, ” buttonIcon ” : ” lock ”, ” buttonText ” : ” Get a Quote ”, ” category ” : ” auto_insurance_companies ”, ” cloudinaryImageName ” : ” referral_logos\/us\/insurance\/usaa-3 ”, ” description ” : ” USAA offers policy at a discount from Progressive, our acme clean. “, ” details ” : [ ], ” disclaimer ” : ” ”, ” featuredTitle ” : ” ”, ” connection ” : ” hypertext transfer protocol : \/\/\/inet\/wc\/insurance-products ? akredirect=true ”, ” name ” : ” USAA ”, ” hideBanner ” : false, ” hideDescription ” : false, ” hideDetails ” : true, ” hideDisclaimer ” : faithlessly, ” hideTitle ” : truthful, ” claim ” : ” USAA ” }
military veterans and some family members in Florida can get a big deal on motorcycle policy through USAA. The company has some of the best customer service around, though it ‘s only available to a limit group of consumers .
USAA does n’t sell its own motorcycle indemnity. rather, it works through Progressive : USAA members get a 5 % deduction, which can be added to Progressive ‘s strong fit of discounts.

USAA has a smaller number of in-person agents than many larger competitors, so it ‘s not a top choice for those looking to work with person in person .

Motorcycle insurance costs: City-by-city breakdown

To show you how the monetary value of insuring a motorbike can vary based on where you live, we ‘ve listed the average annual premiums for motorbike policy we collected for addresses in each of Florida ‘s 20 biggest cities — along with a calculation of the deviation between each city ‘s average cost and the statewide median .


Average annual cost

Difference vs. state average

State average $942
Boca Raton $774 -18%
Boynton Beach $793 -16%
Cape Coral $755 -20%
Clearwater $766 -19%

Show All Rows While the price of motorbike indemnity is typically higher in larger cities, our survey of quotes found that was n’t always true in Florida. For case, the premium estimates we recorded for addresses in Jacksonville turned out to be slightly lower than the overall Florida modal .
meanwhile, a few cities such as Miami and Hialeah reported far higher average rates for motorbike coverage, which is what we ‘ve come to expect for major cities in other states .

Comparing Florida motorcycle insurers by customer service quality

normally, the first thing people consider in choosing a motorcycle policy policy is the price tag — but here, we ‘ve gone a footstep further and evaluated each insurance supplier based on the expected quality of its service. We approached this question with the help of three metrics : the insurance company ailment indexes maintained by the NAIC and fiscal military capability ratings ( FSR ) put out by A.M. Best .


NAIC complaint index

A.M. Best FSR

Progressive 0.74 A+
Geico 0.79 A++
Allstate 0.63 A+
Dairyland 2.69 A+
USAA 0.85 A++

Reviewing these ratings gave us an approximate painting of how well each policy company would meet a customer ‘s needs in a claim situation. The NAIC index represents a company ‘s share of complaints compared to its plowshare of the insurance market — a lower index is better .
A.M. Best ‘s fiscal stability ratings provide an estimate of how firm a company is financially. policy providers with high A.M. Best ratings are extremely unlikely to have trouble paying out your claim, which can happen to less stable companies when they must handle thousands of coincident claims due to a calamity. Most insurers you ‘ll find are by and large stable, but using these numbers guaranteed that our choice work was n’t overlooking the most critical quality of an insurance policy : dependability .

Motorcycle license requirements in Florida

If you plan to ride a motorbike while visiting or living in Florida, obeying the department of state ‘s motorcycle laws and license requirements will help you keep off tickets, fines and other penalties. In ordering to obtain a Florida motorcycle license, you should start by figuring out what licenses you already have .
If you already have a Florida Class E driver’s license and want to add a motorcycle endorsement, you ‘ll need to complete a motorcycle guard course and find an empower patronize. You can choose either the basic RiderCourse ( BRC ) or basic RiderCourse updated ( BRCu ). once you ‘ve completed the base hit naturally, you ‘ll have one year to apply for and obtain a motorbike second .
If you already have a driver’s license with a motorcycle endorsement from another state, there are no extra requirements — Florida will recognize your sanction. The only exception is for motorbike endorsements on licenses from Alabama, which are only recognized in Florida once you complete a motorbike safety class .
If you want to apply for a motorcycle-only license in Florida, you ‘ll need to be at least 16 years old and pass the written test for a Class E driver ‘s license. You ‘ll besides need to complete a motorbike condom course with an empower patronize. finally, there ‘s one last extra necessity for anyone under 18 : sustain a apprentice ‘s license for at least one year with no traffic violations .
once you ‘ve met the requirements above, you can schedule an appointment at any Department of Highway Safety and Motor Vehicles ( DHSMV ) office to get a Florida motorbike license. If you ‘re looking for a Florida motorcycle license classify, the DHSMV ‘s site provides a comprehensive overview of class locations and courses offered. finally, you ‘ll need to pay one or both of these fees in your application :

  • Florida motorcycle licensing fee: $48
  • Florida motorcycle endorsement fee: $7

What are the penalties for riding without a motorcycle endorsement in Florida?

Under Florida law, operating a motorcycle without an endorsement is considered a second-degree misdemeanor. Riding without a valid endorsement can lead to austere consequences :

  • Immediate impounding of your motorcycle
  • A fine of $500
  • Six months of probation
  • Up to 60 days in jail

While the process of getting a motorbike endorsement in Florida can take some time, it ‘s a necessary part of responsible motorbike ownership. Riding without a proper license is never worth the hazard to your condom, your motorcycle or your freedom .

Florida motorcycle helmet law

Florida motorbike laws require that all riders and passengers wear helmets that comply with the U.S. Department of Transportation Motor Vehicle Safety Standards, unless they ‘re inside an enclosed cab. additionally, riders must wear compliant center security while riding a motorcycle. At ValuePenguin, we recommend wearing a helmet at all times, whether or not the law requires it .
however, there are exceptions to Florida ‘s helmet rule. If you ‘re 21 and over, you ’ rhenium not required to wear a helmet american samoa long as you show proof of motorcycle insurance with at least $ 10,000 in checkup benefits coverage for accident-related injuries .
If you ‘re over 16, you can ignore the helmet prerequisite when you ride a motorbike that can not go faster than 30 miles per hour and either :

  • Is not rated in excess of 2 braking horsepower OR
  • Has a motor with a displacement of 50 cubic centimeters or less

If you ‘re under 16, there are no exceptions : You must always wear a helmet when on a motorbike in Florida .

Other Florida motorcycle laws

Passenger laws: Florida law prohibits passengers on motorcycles unless they are riding in a dedicated passenger seat equipped with its own foot rests. If you ‘re riding with a passenger, your handlebars or handle grips must not be at a level higher than your shoulders. however, these rules do n’t apply if your passenger is seated in a sidecar or in an enclose cab .
Fender laws: Unlike some states, Florida does n’t apply its fender laws to motorcycles. alone commercial vehicles are required to have mud flaps and fenders framing the wheel well. Fenders are meant to reduce the bulk of mud and debris thrown into the air by vehicle tires in motion .
Motorcycle accent lighting laws: Florida law allows for accent lighting on your motorcycle, but it prohibits riders from mounting red lights on the front of a motorbike and besides prohibits blue lights of any kind in any configuration .
Motorcycle turn signal laws: Florida law states that every fomite — motorcycles included — must be equipped with electric turn signals in the front and raise of the vehicle. If you plan to customize your motorbike, you ‘ll have to keep turn signals on both ends of the bicycle in order to remain compliant with this prerequisite .
Laws for scooters and mopeds: Lighter vehicles like scooters and mopeds follow slightly unlike rules in Florida. Compared to motorcycles, these vehicles tend to have fewer license and indemnity requirements but besides more restrictions on where they can be used .

Motorcycle insurance requirements in Florida

Unlike Floridians who drive cars, motorcyclists in Florida are n’t specifically required to carry indemnity with personal injury protection ( PIP ), which covers your injuries if you ‘re involved in an accident. however, the law does require motorcyclists to carry at least $ 10,000 in medical benefits coverage through either health policy or the PIP part of a motorcycle policy policy .
In summation, if you ‘re involved in a motorcycle accident and found to be at fault for causing it, you will be held financially creditworthy for the costs of injuries and property damage. There are three ways you can demonstrate fiscal duty :

  • Buy liability insurance, which pays for the injuries and property damage of other parties in an accident (up to your policy’s limits)
  • Obtain a Financial Responsibility Certificate by posting a surety bond with a state-licensed company or depositing cash or securities with the Florida Department of Highway Safety and Motor Vehicles
  • Obtain a self-insurance certificate from the Florida Bureau of Financial Responsibility — this typically requires that you demonstrate your ability to pay for damages caused in an accident

While it ‘s not required in Florida, we besides recommend that you consider uninsured motorist coverage. This coverage pays for your expenses if you ‘re involved in an accident with a driver who has no active policy.


Our analysis of motorbike insurance in Florida involved about 200 sample quotes all based on the same driver profile. Our imagine indemnity shopper was a 45-year-old homo looking to insure a new 2019 Harley-Davidson FLHX Street Glide. He had 20 years of riding feel and recently participated in a basic motorcycle education course. finally, our shopper was married and owned a home .
All these personal details have the potential to influence the final pace appraisal, but none of them have deoxyadenosine monophosphate boastful an effect as the level of coverage you ‘re purchasing. The quotes we collected used the follow coverage limits :

  • Bodily injury liability coverage: $100,000 per person / $300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included / $500 deductible
  • Comprehensive coverage: Included / $500 deductible
  • All other coverages: Not included

As you might have noticed, these limits are much higher — and therefore more expensive — than Florida ‘s legal indemnity prerequisite for motorcyclists, which only requires $ 10,000 of health benefits coverage. We chose to base our inquiry on these standards for coverage because the legal minimums provide no fiscal auspices for your motorbike or your likely indebtedness costs in a dispute. While we do n’t recommend it, you can probably find lower rates for motorbike policy than we did by opting for the legal minimum coverage .

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Category : News


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