Who Has The Cheapest Motorcycle Insurance Quotes In Florida?

Find the Cheapest Motorcycle Insurance Quotes in Your Area

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Florida has more than 20.2 million residents and much of the state experiences a tropical climate year-round, making it a great place for motorcycle owners. To see who in Florida had the lowest motorcycle insurance rates, we compared quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. Our study showed the most expensive insurer cost more than 2x the cost of the cheapest in Florida.

Do You Need Motorcycle Insurance by Law in Florida?

Motorcycle insurance with personal injury protection isn't required in Florida, as it is for drivers operating a car. However, it is mandatory to have at least $10,000 in medical benefits coverage through either your health insurance or your motorcycle policy's personal injury protection, which would cover your injuries if you're involved in an accident.

In addition, if you're involved in a motorcycle accident and found to be at-fault, you will be held financially responsible for the costs associated with injuries and property damage. There are three ways you can demonstrate financial responsibility.

  • Buy liability insurance, which pays for the injuries and property damage of other parties in an accident (up to your policy's limits).
  • Post a surety bond with a state-licensed company or deposit cash or securities with the Department of Highway Safety and Motor Vehicles. By doing so, you can obtain a Financial Responsibility Certificate.
  • Contact the Bureau of Financial Responsibility and obtain a self-insurance certificate. This will typically require that you demonstrate your capability of paying for damages caused in an accident.
While it's not required in Florida, we also recommend that you consider uninsured motorist coverage, as it covers your own expenses if you're involved in an accident with an uninsured driver.

Cheapest Motorcycle Insurance In Florida

Out of the five companies we gathered quotes for, GEICO had the best motorcycle insurance rates. The company's average quote for our 45 year old rider's policy was $374, which was 45% more affordable than the average quote among the five companies. Progressive, Esurance and Markel had average quotes for the sample policy and rider of $658, $689 and $750, respectively. The motorcycle insurance company with the most expensive quotes was Dairyland. The company's average rate quoted of $940 was more than 2.5x GEICO's average rate for the Florida rider we evaluated.

A ValuePenguin study of motorcycle insurance quotes found GEICO had the best rates in Florida.

Find the Cheapest Motorcycle Insurance Quotes in Your Area

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Best Motorcycle Insurance Rates In Florida: By City

The five places with the best motorcycle insurance quotes in Florida were primarily located on the Atlantic Coast and north of Miami-Dade County. The only exception was Tallahassee, which is in the northern part of the state. The city with the most affordable motorcycle insurance in Florida was Deltona, where rates were 30.3% lower than the average cost of motorcycle insurance in Florida.


CityAverage Annual RateDifference vs State Average




Palm Coast482-30.1%


Port St. Lucie484-29.8%




Daytona Beach496-28.1%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Deltona, FL

The city with the best motorcycle insurance rates in Florida was Deltona. Located just north of Lake Monroe, north of Orlando, Deltona has more than 85,000 residents. It is primarily a commuter town for those who work in Orlando. English is the first language of the majority of the city, but more than 15% of residents consider Spanish their first language. Riders will be happy to learn that Deltona has the cheapest motorcycle insurance in the state of Florida. Motorcycle insurance quotes were 30.3% lower than the state average.

Palm Coast, FL

Palm Coast is a city of more than 75,000 residents on the Atlantic coastline of Florida - 30 miles north of Daytona Beach. The population has grown significantly over the last 25 years. The city had fewer than 15,000 residents in the 1990 U.S. Census. Palm Coast has a dozen beautiful parks and more than 125 miles of connecting trails. Like virtually every other Florida city, motorcycle riders in Palm Coast enjoy the year-round riding weather. Premiums for our sample policy were 30.1% lower there than that state average for our example rider, which placed Palm Cost with the second lowest rates in Florida.

Port St. Lucie, FL

Just north of Palm Coast is Port St. Lucie, a city with more than 164,000 residents and the heart of a metropolitan statistical area with more than 463,000. It was largely uninhabited through the 1950s but is now a popular vacation destination, as well a home to many people. It has top-rated golf courses and offers many outdoor activities. It also has some of the least expensive motorcycle insurance in Florida out of the cities we surveyed. Premiums quoted in our study were 29.8% lower than the state average.

Tallahassee, FL

The capital of Florida ranks with the fourth most affordable motorcycle insurance rates in Florida out of the more than 30 locations we analyzed. Tallahassee has more than 181,000 residents and is located in what is known as the “Big Bend” region of northwest Florida. Unlike most of Florida, Tallahassee experiences all four seasons. However, the weather is suitable for motorcycle the majority of the year and rates for motorcycle insurance are some of the cheapest in the state. Our study found rates in Tallahassee were 28.3% lower for our rider than his state average.

Daytona Beach, FL

Known for its white sandy beaches and racetrack, Daytona Beach is a city of 61,000 that attracts hundreds of thousands of visitors each year. The Daytona International Speedway is a historic NASCAR track and the stock car auto racing association is headquartered in the city. For those who like motorcycles, they’ll be happy to find out insuring them in Daytona Beach is more affordable than most places in Florida. Quotes gathered in our study were 28.1% less than the state average.

Most Expensive Motorcycle Insurance In Florida

The five cities with the most expensive motorcycle insurance rates were all located in southern Florida, near the Miami-Ft. Lauderdale area. The place with the least affordable premiums was Hialeah, where quotes for our sample policy were 48.4% higher than the state average.


CityAverage Annual RateDifference vs State Average




Miami Gardens1,01647.5%







*The Average Annual Rate is rounded to the nearest whole dollar amount.

Hialeah, FL

The city with the most expensive motorcycle insurance policies in Florida is Hialeah. The Miami-Dade County city has about 225,000 residents and is right next to Miami. The Hialeah Park Racetrack is a famed track for its architecture and the horses who have raced there. Unfortunately, motorcycle insurance rates in Hialeah were the highest of any city in our study. Motorcycle insurance premiums quoted were 48.4% higher than the state average.

Miami Gardens, FL

In north-central Miami-Dade County is the city of Miami Gardens, which has a population of more than 109,000 residents. Property crimes have decreased over the last several years there and it is still home to Sun Life Stadium where the Miami Dolphins play. It also has some of the most expensive motorcycle insurance in the state. Costs in Miami Gardens were 47.5% higher that the Florida average for our sample policy and rider.

Miramar, FL

The city of Miramar is just west of Hollywood, Florida and has more than 122,000 residents. It was founded as a bedroom community between Miami and Ft. Lauderdale in the 1950s and has grown significantly since then. Amongst other things, the city is known for a number public artworks. Perhaps less known, is the cost of motorcycle insurance in Miramar. Our study found motorcycle insurance rates were 39.7% higher than the state average.

Miami, FL

The city known for its nightlife and beautiful beaches is a popular vacation spot. It has a thriving downtown and is one of the wealthiest cities in the world, too. Miami also is known for its tropical climate, which makes for great motorcycle weather. However, motorcycle insurance rates are some of the highest in Florida. Premiums for our sample policy in Miami ranked as the fourth costliest in our study, and were 38.7% higher than the state benchmark.

Weston, FL

Weston is next to the Everglades Wildlife Management Area in Broward County. It’s a suburban area with more than 65,000 residents and is considered one of the most desirable places to live in the Miami–Fort Lauderdale–Pompano Beach Metropolitan Statistical Area. It also has some of the most expensive motorcycle insurance rates in the state of Florida. Quotes gathered for our study were 36% higher in Weston than the state average.

Florida Motorcycle Laws and Requirements

If you live in or are visiting Florida and you intend on riding a motorcycle within the state, it's important to be familiar with Florida's motorcycle laws and its licensing requirements. By doing so, you can enjoy your ride and avoid any tickets, fines or other penalties.

How to Get a Florida Motorcycle License

The requirements to obtain a Florida motorcycle license vary depending on whether you're already licensed—and if so, in which state.

If you already have a Florida Class E driver's license and want to add a motorcycle endorsement, you'll simply need to complete a motorcycle safety course and have an authorized sponsor. You can choose either the Basic RiderCourse (BRC) or Basic RiderCourse updated (BRCu). Once you've completed the safety course, you'll have one year to apply for and obtain a motorcycle endorsement.

If you already have a driver's license from another state with a motorcycle endorsement, there are no additional requirements. Florida will simply reciprocate the endorsement. The only exception is if you were licensed in Alabama, as you will also have to take the motorcycle safety course.

If you want to apply for a motorcycle-only license and are at least 18 years old, you'll need to pass the written test for a Class E driver's license. In addition, you'll need to complete a motorcycle safety course with a sponsor. Note that you can only apply for a motorcycle-only license if you're at least 16 years old, and if you're under 18, you'll need to maintain a learner's license for at least one year with no traffic violations.

Once you've met the requirements above, you can schedule an appointment at any Department of Highway Safety and Motor Vehicles (DHSMV) office to get a Florida motorcycle license. If you're looking for a Florida motorcycle license class, the DHSMV's site provides a comprehensive overview of class locations and courses offered.

There are severe penalties for riding a motorcycle without an endorsement in Florida. In fact, riding a motorcycle without a valid endorsement is a second-degree misdemeanor under Florida law. Violating this law could lead to a $500 fine, six months of probation and up to 60 days in jail. Furthermore, if you're caught driving without a valid motorcycle endorsement in Florida, your motorcycle will be immediately impounded.

Florida DMV Motorcycle License Fees

Whether you're applying for a motorcycle endorsement or a Florida motorcycle license, you'll be subject to both of the fees listed below.

  • Florida Motorcycle Licensing Fee: $48
  • Florida Motorcycle Endorsement Fee: $7

Florida Motorcycle Helmet Law

Florida motorcycle laws require that all riders and passengers wear a helmet that complies with the U.S. Department of Transportation Motor Vehicle Safety Standards, unless they're inside an enclosed cab. Additionally, riders must wear compliant eye protection while riding a motorcycle.

There are a couple of exceptions to this rule, although we'd recommend always wearing a helmet for safety reasons. First, if you're over 21, you don't need to wear a helmet if you can show evidence that you have at least $10,000 in medical benefits coverage for injuries incurred due to a motorcycle accident. Second, if you're over 16, a helmet isn't required if you're riding a motorcycle that can't go faster than 30 miles per hour and either:

  • Is not rated in excess of 2 braking horsepower.
  • The motor has a displacement of 50 cubic centimeters or less.

If you're under 16, there are no exceptions. By law, you must always wear a helmet when on a motorcycle in Florida.

Other Florida Motorcycle Laws

Florida Motorcycle Passenger Laws: Florida motorcycle laws prohibit passengers on motorcycles unless they are riding in a dedicated passenger seat. Furthermore, the passenger's seat must be equipped with its own foot rests. If you're riding with a passenger, you can't operate a motorcycle with handlebars or handle grips that are higher than your shoulders. It's worth noting that Florida's motorcycle passenger laws don't apply if your passenger is seated in a sidecar or in an enclosed cab.

Florida Fender Laws: While some states require fenders on vehicles, including motorcycles, Florida's fender laws are lenient. Currently, Florida law only requires fenders and mud flaps to be equipped on commercial vehicles. A fender is the part of a vehicle that frames the wheel well. Fenders are meant to reduce the number of projectiles, such as mud and rocks, launched into the air by tires.

Florida Motorcycle Accent Lighting Laws: Florida law allows for motorcycles to be equipped with accent lighting. That said, the following are prohibited.

  • Displaying blue lights of any kind, whether the light emits from your motorcycle or its equipment.
  • Having visible red or blue lights emitting directly from the front of your motorcycle.

Florida Motorcycle Turn Signal Laws: Florida law states that all vehicles, including motorcycles, must be equipped with electric turn signals in the front and rear of the vehicle. If you plan to customize your motorcycle, you'll have to maintain turn signals on both ends of your motorcycle to stay compliant with Florida law.

Average Motorcycle Insurance Rates In Florida: By City

We conducted this comparative study of motorcycle insurance premiums in Florida by gathering and analyzing quotes from five major carriers across 35 cities. Our analysis showed premiums quoted for the most expensive place were more than 2x the cost of the cheapest. Customers should keep in mind that cheap rates are just one of the many factors to analyze when it comes to selecting a motorcycle insurance company. The best motorcycle insurance companies combine low rates with other offerings, like high coverage limits for custom equipment or accident forgiveness programs.

A study by ValuePenguin found the average annual motorcycle insurance quote for a typical rider was $689.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 35 municipalities and census-designated places in the state of Florida. The quotes we gathered were from five major carriers - Progressive, Nationwide, Esurance, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.


CityAverage Annual RateDifference vs State Average


Boca Raton$544-21.0%


Boynton Beach534-22.4%


Cape Coral499-27.6%




Coral Springs86525.6%




Daytona Beach496-28.1%


Deerfield Beach87727.3%



Florida Average6890.0%


Fort Myers499-27.6%




















Miami Beach92634.3%


Miami Gardens1,01647.5%






Palm Bay543-21.1%


Palm Coast482-30.1%


Pembroke Pines84823.0%




Pompano Beach86825.9%


Port St. Lucie484-29.8%


St. Petersburg545-20.9%








West Palm Beach571-17.1%



*The Average Annual Rate is rounded to the nearest whole dollar amount.

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