The Best Motorcycle Insurance Companies in Florida (2021)

The Best Motorcycle Insurance Companies in Florida (2021)

Compare Motorcycle Insurance Quotes in Florida

Currently insured?

The insurance that protects your motorcycle should be reliable, but that doesn't mean it needs to be expensive. After reviewing more than 100 insurance quotes in Florida, we found that Progressive is the most affordable option, at around $628 per year. That's $314 less than the statewide average in Florida of $942 per year.

Best motorcycle insurance for most people: Progressive

Progressive has the lowest rates in Florida, plus many coverage options and dependable service.
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Progressive's rates for motorcycle insurance were the lowest of any company we looked at in Florida, with a typical price of $628 per year. That's 33% cheaper than the average rate we found overall and $139 less expensive than the second-cheapest option, Allstate.

We were also impressed by Progressive's coverage options. Beyond the basics like liability and collision coverage, Progressive offers extras like full replacement coverage for new bikes, protection for accessories and customer parts and trip interruption — some of which come standard with every policy.

As a major national insurer, Progressive offers a wide range of opportunities for discounts, including for bundling your policy with auto or home insurance — which is among the best ways to save on insurance.

Progressive has well-rated customer service, too. With a National Association of Insurance Commissioners (NAIC) complaint index of 0.74, Progressive receives only 74% of the complaints expected for a company its size. This suggests that Progressive customers tend to be happy with their service, overall.

Best customer service: Allstate

Allstate has the best customer service of any motorcycle insurer we reviewed in Florida.
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For motorcycle riders who prioritize the best possible service in Florida, over price and coverage options, we recommend Allstate. Its complaint index from the NAIC was the best we saw, at just 0.63. That means that Allstate insurance customers file complaints only 63% as often as with a typical insurer of the same size.

Allstate's rates were also on the affordable side, though not as cheap as Progressive, our top pick. Its typical rate was $767 per year, about 19% less than the statewide average. Customers who have other insurance policies with Allstate, such as home or car insurance, may be able to reduce their rates by qualifying for a multi-policy discount.

We thought Allstate's coverage options were good, as well, but not as strong as Progressive's. It includes options like accessories and trailer coverage but doesn't offer an OEM parts guarantee or enhanced injury protection.

Best for military families: USAA

USAA offers insurance at a discount from Progressive, our top pick.
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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 around, though it's only available to a limited group of consumers.

USAA doesn't sell its own motorcycle insurance. Instead, it works through Progressive: USAA members get a 5% discount, which can be added to Progressive's strong set of discounts.

USAA has a smaller number of in-person agents than many larger competitors, so it's not a top option for those looking to work with someone in person.

Comparing Florida motorcycle insurers by customer service quality

Usually, the first thing people consider in choosing a motorcycle insurance policy is the price tag — but here, we've gone a step further and evaluated each insurance provider based on the expected quality of its service. We approached this question with the help of three metrics: the insurer complaint indexes maintained by the NAIC and financial strength ratings (FSR) put out by A.M. Best.

Insurer
NAIC complaint index
A.M. Best FSR
Progressive0.74A+
Geico0.79A++
Allstate0.63A+
Dairyland2.69A+
USAA0.85A++

Reviewing these ratings gave us an approximate picture of how well each insurance company would meet a customer's needs in a claim situation. The NAIC index represents a company's share of complaints compared to its share of the insurance market — a lower index is better.

A.M. Best's financial stability ratings provide an estimate of how strong a company is financially. Insurance providers with high A.M. Best ratings are extremely unlikely to have trouble paying out your claim, which can happen to less stable companies when they must handle thousands of simultaneous claims due to a disaster. Most insurers you'll find are generally stable, but using these numbers guaranteed that our selection process wasn't overlooking the most critical quality of an insurance policy: reliability.

The cheapest motorcycle insurance companies in Florida

In Florida, we found that the most affordable 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 fairly low at Allstate. All of our quotes were based on coverage limits that were substantially higher than the state's legal insurance requirements, which means that the average for bare minimum coverage will be even lower.

The cheapest motorcycle insurers in Florida

Compare Motorcycle Insurance Quotes in Florida

Currently insured?
Company
Average annual rate
Geico$374
Progressive$658
Florida Average$682
Esurance$689
Markel$750
Dairyland$940

As we've noted above, the cheapest policy isn't always the best option. If the insurers we've mentioned don't fit the bill, you can find other options in our coverage of the best motorcycle insurance companies in the nation as a whole.

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. In order to obtain a Florida motorcycle license, you should start by figuring out what licenses you already have.

If you already have a Florida Class E driver's license and want to add a motorcycle endorsement, you'll need to complete a motorcycle safety course and find 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 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 licenses from Alabama, 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'll need to be at least 16 years old and pass the written test for a Class E driver's license. You'll also need to complete a motorcycle safety course with an authorized sponsor. Finally, there's one last extra requirement for anyone under 18: 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. Finally, you'll need to pay one or both of these fees in your application:

  • Florida motorcycle licensing fee: $48
  • Florida motorcycle endorsement fee: $7

What are the penalties for riding without a motorcycle endorsement in Florida?

Under Florida law, operating a motorcycle without an endorsement is considered a second-degree misdemeanor. Riding without a valid endorsement can lead to severe consequences:

  • Immediate impounding of your motorcycle
  • A fine of $500
  • Six months of probation
  • Up to 60 days in jail

While the process of getting a motorcycle endorsement in Florida can take some time, it's a necessary part of responsible motorcycle ownership. Riding without a proper license is never worth the risk to your safety, your bike or your freedom.

Florida motorcycle helmet law

Florida motorcycle laws require that all riders and passengers wear helmets that comply 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. At ValuePenguin, we recommend wearing a helmet at all times, whether or not the law requires it.

However, there are exceptions to Florida's helmet rule. If you're 21 and over, you’re 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're over 16, you can ignore the helmet requirement when you ride a motorcycle that cannot go faster than 30 miles per hour and either:

  • Is not rated in excess of 2 braking horsepower OR
  • Has a motor with a displacement of 50 cubic centimeters or less

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

Other Florida motorcycle laws

Passenger laws: Florida law prohibits passengers on motorcycles unless they are riding in a dedicated passenger seat equipped with its own foot rests. If you're riding with a passenger, your handlebars or handle grips must not be at a level higher than your shoulders. However, these rules don't apply if your passenger is seated in a sidecar or in an enclosed cab.

Fender laws: Unlike some states, Florida doesn't apply its fender laws to motorcycles. Only commercial vehicles are required to have mud flaps and fenders framing the wheel well. Fenders are meant to reduce the volume of mud and debris thrown into the air by vehicle tires in motion.

Motorcycle accent lighting laws: Florida law allows for accent lighting on your motorcycle, but it prohibits riders 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 every vehicle — motorcycles included — 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 keep turn signals on both ends of the bike in order to remain compliant with this requirement.

Laws for scooters and mopeds: 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 aren't specifically required to carry insurance with personal injury protection (PIP), which covers your injuries if you're involved in an accident. However, the law does require motorcyclists to carry at least $10,000 in medical benefits coverage through either health insurance or the PIP portion of a motorcycle insurance policy.

In addition, if you're involved in a motorcycle accident and found to be at fault for causing it, you will be held financially responsible for the costs of 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)
  • Obtain a Financial Responsibility Certificate by posting a surety bond with a state-licensed company or depositing cash or securities with the Florida Department of Highway Safety and Motor Vehicles
  • Obtain a self-insurance certificate from the Florida Bureau of Financial Responsibility — this typically requires that you demonstrate your ability to pay for damages caused in an accident

While it's not required in Florida, we also recommend that you consider uninsured motorist coverage. This coverage pays for your expenses if you're involved in an accident with a driver who has no active insurance.

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 premiums for motorcycle insurance we collected for addresses in each of Florida's 20 biggest cities — along with a calculation of the difference between each city's average cost and the statewide average.

City
Average annual cost
Difference vs. state average
State average$942
Boca Raton$774-18%
Boynton Beach$793-16%
Cape Coral$755-20%
Clearwater$766-19%
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While the cost of motorcycle insurance is typically higher in larger cities, our survey of quotes found that wasn't always true in Florida. For instance, the premium estimates we recorded for addresses in Jacksonville turned out to be somewhat lower than the overall Florida average.

Meanwhile, a few cities such as Miami and Hialeah reported far higher average rates for motorcycle coverage, which is what we've come to expect for major cities in other states.

Methodology

Our analysis of motorcycle insurance in Florida involved nearly 200 sample quotes all based on the same driver profile. Our imagined 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 shopper was married and owned a home.

All these personal details have the potential to influence the final rate estimate, 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:

  • Bodily injury liability coverage: $100,000 per person / $300,000 per accident
  • Property damage liability coverage: $50,000 per accident
  • Collision coverage: Included / $500 deductible
  • Comprehensive coverage: Included / $500 deductible
  • All other coverages: Not included

As you might have noticed, these limits are much higher — and therefore more expensive — than Florida's legal insurance requirement for motorcyclists, which only requires $10,000 of health benefits coverage. We chose to base our research on these standards for coverage because the legal minimums provide no financial protection for your motorcycle or your potential liability costs in a dispute. While we don't recommend it, you can probably find lower rates for motorcycle insurance than we did by opting for the legal minimum coverage.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.