INSURANCE REQUIREMENTS

Before you buy a motorcycle insurance you better contact a licensed insurance agent who will explain you the process and the requirements as well.

No Fault Law

Incidents where no bodily injuries occurred are covered by No-fault insurance, which includes:

• $10,000 per person/crash in personal injury protection.

• $10,000 per crash in property damage liability.

Financial Responsibility Law

Below you will see the state’s minimum liability coverage requirements for private passenger vehicles:

• $10,000 for one person in bodily injury liability.

• $20,000 for two or more people in bodily injury liability.

• $10,000 per crash in property damage liability.

• $30,000 in combined single limits.

If you want to get your adrenaline boiling in the Panhandle or turn your inner road warrior loose in the Keys, hopping on a motorcycle might be your cup of tea. Before you do, however, you have to plan for your safety — and that's where motorcycle insurance comes in.

If you live in the Sunshine State, check out our guide to the benefits you can enjoy when you get a Florida motorcycle insurance quote and cover your bike with us.

Motorcycle Insurance Discounts in Florida

When you insure your bike with Esurance, you could qualify for some of these stellar savings.

Multi-Vehicle discount

Save 15 to 35 percent on your premium for insuring more than one ride with us.

Association discount

You qualify when you sign up with preferred rider organizations, like Harley Owners Group or Honda Riders Club of America.

Multi-Policy discount

Entrust your car and motorcycle policies to us and save on both. Discount amount will vary.

Florida has some of the most unique car insurance laws among the states. However, while most states' motorcycle insurance laws mirror their car insurance laws, Florida is an exception.

Read more to learn about Florida's motorcycle insurance requirements.

Ways to Establish Financial Responsibility

If you own a motorcycle or moped and want―or need―to establish financial responsibility for it, you might be able to choose one of the following methods:

• Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.

The majority of states in the U.S. require riders to have a motorcycle insurance policy. Two states – Florida, Washington – do not require it, although there are some exceptions in Florida. If you live in a state that does not require motorcycle insurance, you should still purchase a policy. Motorcycle insurance protects owners from incurring major costs that could be financially devastating.

Motorcycle Insurance Requirements by State

Almost all states in the U.S. require owners to have motorcycle insurance and they must show proof of insurance to register their motorcycle. You have to register your motorcycle to get a license plate, otherwise you will be driving illegally, and that cost might be significant. Depending on the state a rider lives in and their policy, the cost of their premiums might be well above or below the average in the U.S.

Out of 50 states, motorcycle insurance is required in 47 of them but not every state requires the same amount of coverage. Each has its own minimum requirements for bodily injury and property damage liability -- the amount a policyholder's motorcycle insurance company will cover. In most states, motorcyclists have at least $25,000 in bodily injury protection per person and $50,000 per accident, as well as $10,000 in property damage coverage. The three limits are commonly displayed with slashes: (25/50/10).

Tips for dangerous motorcycling situations

Passing and being passed

As you prepare to pass other vehicles, leave lots of space and give them ample time to see your turn signal. Double- and triple-check the passing lane to make sure it's clear. Once you're in the passing lane, move through the other driver's blind spots as quickly as you can (since you'll be difficult to spot) while staying under the speed limit.

When being passed by others, stay in the center of your lane to help avoid their blind spots. Also be on the lookout for motorcycle-specific hazards:

• Large mirrors that could graze you

• Debris tossed out of windows (rude, but it happens)

• Wind gusts caused by passing cars

Driving through intersections

Approach intersections with your headlight on (no matter the time of day) and in the most visible lane position (usually near the middle of the road). As you proceed through the intersection, be ready to brake suddenly if needed.

Is Motorcycle Insurance Required in Florida?

Florida motorcycle laws are unique compared with most other states. In most states motorcycle insurance laws are comparable to other motor vehicle laws but in Florida they are not. Drivers of motor vehicles in Florida, with four or more wheels, are required to carry personal injury protection (PIP) as part of the Florida no fault insurance blanket. This will guarantee the payment of medical bills up to $2500 as long as the claim is filed within 14 days. If the medical bills resulted from an emergency, as certified by a medical professional, the PIP will pay the full threshold of $10,000. This PIP is not available to the motorcycle owner even if the owner already carries PIP for another vehicle. Given the fact that injuries in a motorcycle crash are likely to be more severe, the motorcycle rider is at greater risk of financial disaster following a serious crash.