The insurance that protects your motorcycle has to be reliable, but that doesn’t mean it has to be expensive. After reviewing over 100 Florida insurance quotes, we found that progressive is the most affordable option, costing about $628 per year, which is $314 less than the state average.
cheapest motorcycle insurance companies in florida
in florida, the cheapest motorcycle insurance in each zip code came from progressive, which had a low average premium of $628, compared to the industry average of $942. Rates were also pretty low at Allstate. All of our quotes were based on coverage limits that were substantially higher than the state’s legal insurance requirements, meaning the average minimum coverage will be even lower.
as we have pointed out before, the cheapest policy is not always the best option. If the insurers we’ve listed don’t qualify, you can find other options in our coverage of the best motorcycle insurance companies nationwide.
best motorcycle insurance for most people: progressive
progressive’s rates for motorcycle insurance were the lowest in florida, with a typical price of $628 per year. That’s 33% cheaper than the average rate and $139 less expensive than the second cheapest option, Allstate.
we were also impressed with progressive’s coverage options. beyond the basics like liability and collision coverage, additional progressive offerings like total replacement coverage for new bikes, protection for customer parts and accessories, and trip interruption, some of which come standard with all policies .
As one of the nation’s leading insurers, progressive offers a wide range of discount opportunities, including combining your policy with auto or home insurance, which is one of the best ways to save on insurance.
progressive also has a well-qualified customer service. With a National Association of Insurance Commissioners (NAIC) complaint index of 0.74, Progresativa receives only 74% of the complaints expected for a company of its size. this suggests that progressive customers tend to be satisfied with their service overall.
best customer service: allstate
for motorcyclists who prioritize the best possible service in florida over price and coverage options, we recommend allstate. his naic complaint rate was the best we saw at just 0.63. That means Allstate insurance customers file complaints only 63% as often as a typical insurer of the same size.
allstate’s rates were also affordable, although not as cheap as progressive, our top pick. their typical rate was $767 per year, about 19% less than the state average. Customers who have other insurance policies with Allstate, like auto or home insurance, can lower their rates by qualifying for a multi-policy discount.
we thought allstate’s coverage options were also good, but not as strong as progressive’s. includes options like accessories and towing coverage, but does not offer OE parts warranty or enhanced injury protection.
best for military families: usaa
military veterans and some family members in florida can get a great deal on motorcycle insurance through usaa. the company has some of the best customer service, although it is only available to a limited group of consumers.
usaa does not sell its own motorcycle insurance. instead, it works through progressive: usaa members get a 5% discount, which can be added to progressive’s robust set of discounts.
usaa has a smaller number of in-person agents than many larger competitors, so it’s not the best option for those looking to work with someone in person.
Motorcycle Insurance Costs: City by City Breakdown
To show you how the cost of insuring a motorcycle can vary based on where you live, we’ve listed the average annual motorcycle insurance premiums we collected for addresses in each of Florida’s 20 largest cities, along with an estimate of the difference between each city’s average cost and the state average.
While the cost of motorcycle insurance tends to be higher in larger cities, our quote survey found that wasn’t always true in Florida. For example, the premium estimates we recorded for addresses in Jacksonville turned out to be slightly lower than the overall Florida average.
Meanwhile, some cities like Miami and Hialeah reported much higher average rates for motorcycle coverage, which is what we expect for major cities in other states.
comparison of florida motorcycle insurers by quality of customer service
Usually the first thing people consider when choosing a motorcycle insurance policy is price, but here we’ve gone a step further and rate each insurance provider based on the expected quality of their service. We tackled this question with the help of three metrics: the insurer complaint ratios maintained by the NAIC and the financial strength ratings (FSRs) published by the A.M. best.
Reviewing these ratings gave us a rough idea of how well each insurance company would meet a customer’s needs in a claim situation. The NAIC ratio represents a company’s ratio of complaints compared to its share of the insurance market: a lower ratio is better.
a. m. best’s financial stability ratings provide an estimate of a company’s financial strength. it is very unlikely that insurance providers with high ratings of a.m. best have trouble paying your claim, which can happen to less stable companies when they must handle thousands of simultaneous claims due to a disaster. Most of the insurers you will find are generally stable, but using these numbers ensured that our selection process did not overlook the most critical quality of an insurance policy: reliability.
motorcycle license requirements in florida
If you plan to ride a motorcycle while visiting or living in Florida, obeying the state’s motorcycle laws and licensing requirements will help you avoid tickets, fines, and other penalties. To get a Florida motorcycle license, you need to start by finding out what licenses you already have.
If you already have a Florida Class E driver license and want to add a motorcycle endorsement, you will need to complete a motorcycle safety course and find an authorized sponsor. You can choose either the Basic Cyclist Course (BRC) or the Upgraded Basic Cyclist Course (BRCU). Once you have completed the safety course, you will have one year to apply for and obtain a motorcycle endorsement.
If you already have a driver’s license with a motorcycle endorsement from another state, there are no additional requirements — Florida will recognize your endorsement. The only exception is for motorcycle endorsements on Alabama licenses, which are only recognized in Florida once you complete a motorcycle safety course.
If you want to apply for a motorcycle-only license in Florida, you will need to be at least 16 years old and pass the written test for a Class E driver license. You must also complete a motorcycle safety course with an authorized sponsor. Finally, there is one last additional requirement for anyone under the age of 18: Hold a learner’s license for at least one year with no traffic violations.
once you have met the above requirements, you can make an appointment at any department of highway safety and motor vehicles (dhsmv) office to obtain a florida motorcycle license. If you are looking for a Florida motorcycle license class, the DHSMV site provides a comprehensive overview of class locations and courses offered. finally, you will need to pay one or both fees on your application:
what are the penalties for driving without a motorcycle endorsement in florida?
Under Florida law, operating a motorcycle without a backrest is considered a second degree misdemeanor. driving without a valid endorsement can have serious consequences:
While the process of obtaining a motorcycle approval in Florida can take some time, it is a necessary part of responsible motorcycle ownership. Driving without a proper license is never worth risking your safety, your bike, or your freedom.
florida motorcycle helmet law
Florida motorcycle laws require all drivers and passengers to wear helmets that comply with US law. uu. department of transportation motor vehicle safety regulations, unless inside a closed cab. In addition, drivers must wear compliant eye protection while operating a motorcycle. At valuepenguin, we recommend wearing a helmet at all times, whether required by law or not.
However, there are exceptions to Florida’s helmet rule. If you are 21 years of age or older, you are not required to wear a helmet as long as you show proof of motorcycle insurance with at least $10,000 in medical benefits coverage for accident-related injuries.
If you are over the age of 16, you can waive the helmet requirement when riding a motorcycle that cannot go faster than 30 miles per hour and:
If you are under 16, there are no exceptions: you should always wear a helmet when riding a motorcycle in Florida.
other florida motorcycle laws
Passenger Laws: Florida law prohibits passengers from riding motorcycles unless they are riding in a dedicated passenger seat equipped with its own footrests. if you ride with a passenger, your handlebars or grip should be no higher than your shoulders. however, these rules do not apply if your passenger is seated in a sidecar or enclosed cabin.
Fender Laws: Unlike some states, Florida does not apply its fender laws to motorcycles. only commercial vehicles should have fenders and fenders that frame the wheel well. fenders are intended to reduce the volume of mud and debris thrown into the air by the tires of moving vehicles.
Motorcycle Accent Lighting Laws: Florida law allows accent lighting on your motorcycle, but prohibits drivers from mounting red lights on the front of a motorcycle and also prohibits blue lights of any kind in any configuration.
Motorcycle Turn Signal Laws: Florida law states that all vehicles, including motorcycles, must be equipped with electric turn signals on the front and rear of the vehicle. If you plan to customize your motorcycle, you will need to keep the turn signals on both ends of the motorcycle to meet this requirement.
Scooter and Moped Laws: Lighter vehicles like scooters and mopeds follow slightly different rules in Florida. Compared to motorcycles, these vehicles tend to have fewer license and insurance requirements, but also more restrictions on where they can be used.
motorcycle insurance requirements in florida
Unlike Floridians who drive cars, motorcyclists in Florida are not specifically required to carry personal injury protection (PIP) insurance, which covers your injuries if you are involved in an accident. however, motorcyclists are required by law to have at least $10,000 in medical benefits coverage through health insurance or the pip portion of a motorcycle insurance policy.
In addition, if you are involved in a motorcycle accident and are found to be at fault for causing it, you will be financially responsible for the costs of injuries and property damage. There are three ways to prove financial responsibility:
While not required in Florida, we also recommend that you consider uninsured motorist coverage. this coverage pays your expenses if you are involved in an accident with a driver who does not have active insurance.
Our Florida motorcycle insurance analysis involved nearly 200 sample quotes, all based on the same driver profile. Our imaginary insurance shopper was a 45-year-old man looking to insure a new 2019 Harley-Davidson FLHX Street Glide. He had 20 years of riding experience and recently participated in a basic motorcycle education course. finally, our buyer was married and owned a home.
All of these personal details have the potential to influence your final estimated rate, but none of them have as big an effect as the level of coverage you’re purchasing. The quotes we collected used the following coverage limits:
As you may have noticed, these limits are much higher (and therefore more expensive) than Florida’s statutory motorcycle insurance requirement, which only requires $10,000 of health benefits coverage. We chose to base our investigation on these coverage standards because the legal minimums do not provide financial protection for your motorcycle or your potential liability costs in a dispute. while we don’t recommend it, you can probably find lower motorcycle insurance rates than we got by opting for the legal minimum coverage.