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florida motorcycle insurance

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 Florida motorcycle insurance comes in.

If you live in the Sunshine State, you can take advantage of our superior customer service and simple policy management that's only a mouse-click away.

Check out our guide to the benefits you can enjoy when you get a Florida motorcycle insurance quote and cover your bike with us.

Protection for more than just motorcycles

We know the rich landscape of Florida lends itself to more than just standard bikes. Good thing motorcycle insurance from Esurance covers tons of other awesome rides, including:

  • Dirt and off-road bikes
  • Scooters
  • ATVs and UTVs
  • Golf carts
  • Segways

Motorcycle insurance discounts in Florida

When you insure your bike with Esurance, you can 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.

Responsible Driver discount
Save 26 to 33 percent when you go at least 3 years without an accident or violation.

Safety Course discount
Complete a state-approved driver safety course and save.

Switch & Save® discount
Enjoy this discount if you've switched to Esurance from another company within the last month — just another way we like to welcome our new customers.

Homeowners discount
Roughly 70 percent of Floridians are homeowners (according to the most recent census), well above the national average. If you're a proud member of this group — and given the numbers, it's pretty likely — you can save up to 22 percent on your motorcycle coverage!

Accidents happen. Price increases don't have to.

If you have a claim under $500, we won't increase your premium. It's not technically a discount, but this money-saving benefit is just another example of how we like to find any way we can to help our customers save money and reduce hassles.

Motorcycle coverages in Florida

Florida is a no-fault state, which means after an accident, motorists typically handle any medical claims through their own insurer, no matter who was at fault.

To make Florida even more distinct, it's one of the few states that doesn't require much motorcycle insurance. For instance, riders in Florida generally do not need to carry personal injury protection (PIP).

Instead of any specific coverage, Floridians are required to meet a financial threshold in case of injuries. You must carry at least $10,000 in medical benefits, but this can come from your regular health insurance.

Recommended motorcycle coverage in Florida

Regardless of whether or not you need motorcycle insurance in Florida, we believe you should never (ever) ride without it.

As a good starting point, we recommend getting at least:

  • $10,000/$20,000 bodily injury protection per person/per incident
  • $10,000 property damage liability coverage

Optional motorcycle insurance coverages

On top of basic coverages, we offer many other helpful options for motorcycle coverage in Florida, such as:

New motorcycle protection

We'll pay the MSRP on an equivalent replacement bike if your new motorcycle is ever totaled.

Trip interruption coverage

Breaking down on a long road trip can leave you feeling a bit helpless. With trip interruption coverage providing up to $500 per incident, we'll help you out with:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

And that's per day until your bike is fixed.

Collision coverage

Esurance motorcycle collision coverage helps repair or replace your vehicle, riding leathers, and other apparel (up to $500 per helmet) if you run into a car or other object.

Comprehensive coverage

Comprehensive protects your bike from risks like vandalism, theft, or wind damage.

Towing and labor coverage

We'll cover up to $100 if you need a tow to the nearest qualified repair facility.

Coverage that lets you (and your accessories) stand out

Half the fun of owning a motorcycle is making it your own. And with Esurance motorcycle insurance in Florida, you get an automatic $3,000 in coverage (when you purchase comprehensive and collision coverage) for custom parts and accessories such as modified engines, riding apparel, saddlebags, and more.

Related links

Florida driver information
Find helpful stats and information if you're a current or soon-to-be Florida driver.

Tips for dangerous motorcycle situations
Get some pointers to use when riding turns risky.

How to drive in a hurricane
Head to our blog for tips to stay safe if you find yourself driving during a hurricane.

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980