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Do I need insurance to ride a motorcycle in Florida?

Florida motorcycle insurance requirementsFlorida motorcycle laws can be slightly confusing, especially when it comes to insurance.

In our state, riders aren't required to carry insurance to register or even to ride a motorcycle. However, they can be held financially responsible if charged with negligence in a motorcycle crash.

High Costs of No Motorcycle Insurance

Much like the state's motorcycle helmet law, Florida motorcycle insurance laws require you to carry only minimum coverage to pay for injuries sustained in a crash. Instead of any specific coverage or policy, Florida motorcycle riders must carry at least $10,000 in medical benefits to protect you against liability in crashes. This coverage can come from a dedicated policy or from your regular health insurance.

Unfortunately, a $10,000 policy is likely to be far less than what you may need after a collision, especially considering the severe injuries bikers suffer in a crash. Florida’s accident and insurance laws also provide a lower standard of protection to bikers than to drivers, including:

  • No PIP coverage. In our state, operators of motor vehicles with four or more wheels are required to carry personal injury protection (PIP) to guarantee payment of their medical bills in an accident. However, PIP payment isn't available to motorcycle riders injured in a crash—even if you carry PIP on another vehicle.
  • Lack of no-fault protection. Florida's “no-fault” laws for motor vehicle accidents only apply to vehicles with four or more wheels, excluding motorcycles and their owners. If you have more than $10,000 in motorcycle crash injury costs, you must pursue compensation for outstanding medical bills and lost income from the other driver.
  • Penalties for causing an accident. Even though motorcycle insurance isn't required, Sunshine State riders can still face penalties if involved in crashes without insurance. If you're found to be at fault for an accident and don't have liability insurance, you may have your license suspended, lose riding privileges, and face civil fines.

Although it's not required, you should definitely get motorcycle insurance if you're riding a bike in Florida. Some insurers offer a multi-policy bundle—and often a discount—for insuring both a car and motorcycle and may offer additional uninsured motorist coverage to protect a rider from a wreck with an uninsured driver or a hit-and-run.

If you were injured in a motorcycle accident, our personal injury attorney can counsel you on available options and get the compensation you need to recover. Simply fill out the quick contact form on this page to set up a consultation and get answers to your questions.