Surprised to know that Florida doesn’t require motorcycle insurance?  Most people are.  Ready to jump on your bike and feel the wind in your face?  You might want to take a step back and look at other things that might be involved.  There seems to be a lot of confusion, even controversy on the issue of motorcycle insurance in the state.  Even though Florida motorcycle insurance from isn’t something you have to have to register your bike, there’s more you should know. 

You Must Show Financial Responsibility

The state of Florida has something called the Financial Responsibility Law.  This means that if you decide not to get insurance you must still be financially responsible for any damages or injuries from an accident.  Again, you do not have to show proof of this when you register your motorcycle in Florida. But if you’re involved in an accident and you have no means to pay for injuries,  you could find yourself in some pretty nasty trouble.

In many cases, failure to keep the proper levels of financial responsibility can end up with you losing your driver’s license, suspension of your registration and costly fees to reinstate both.  You may also be required to prove to the state that you are carrying insurance for up to three years after a violation or involvement in an accident.

Benefits Outweigh The Cost of Florida Motorcycle Insurance

When you consider what you could be in for if you don’t carry Florida motorcycle insurance from, you might be smarter to just get insured.  What if you find yourself the cause of an accident and you can’t pay the other person’s damages?  What if you crash your bike and don’t have the money to get it fixed?  What if  your bike gets stolen?  All of these are important reasons to consider just getting the insurance, even though it’s not required.

There are a lot of things that can help get your motorcycle insurances costs lower.  Things like a safe driving record helps you get lower rates, as does the age and type of bike.  Whether you use your motorcycle as your main mode of transportation or just a little pleasure riding from time to time can also affect your rate.  If you have an anti-theft device, even where you store your bike can make a difference in the costs of your insurance.

Choosing The Right Insurance

If you decide that it makes good sense to get insurance for your motorcycle, you can shop around online to compare rates from several different companies.  Florida motorcycle insurance premiums are usually higher than other areas of the country according to  This is partly due to the fact that there’s no off season for motorcycles in the state.

You may choose to just have liability coverage to cover just what the name implies, your liability for injuries to others or damage to their property.  It will not cover damage to your bike or your own injuries. Of course, as with any vehicle insurance, you can add additional coverage to your policy depending on what you feel you need and can afford.    Take the time to comparison shop and find the best policy.