what we do
Florida Motorcycle Insurance for Every Ride
Motorcycle Insurance in Florida — What Riders Should Know
Florida’s motorcycle insurance rules are different from auto insurance, and that often causes confusion. While motorcycle liability insurance isn’t required for registration the same way it is for cars, riding without proper coverage can leave you financially exposed. Riders who choose not to wear a helmet must carry at least $10,000 in medical coverage, and accidents involving motorcycles often result in serious injuries and costly claims. We help Florida riders understand what’s required, what’s recommended, and how to protect both their bike and their finances.
Motorcycle Insurance Coverage Options
Liability Coverage
Protects you if you’re responsible for injuries or property damage to others. Strongly recommended for all Florida riders.
Collision Coverage
Helps repair or replace your motorcycle if it’s damaged in an accident, regardless of fault.
Comprehensive Coverage
Covers non-collision losses like theft, vandalism, fire, and storm damage — important for Florida’s year-round riding and weather risks.
Uninsured / Underinsured Motorist Coverage
Provides protection if you’re hit by a driver who has little or no insurance — a critical consideration in Florida.
Accessory & Custom Parts Coverage
Protects custom paint, chrome, exhaust systems, saddlebags, helmets, and riding gear that standard policies may limit.
Coverage Tailored to Your Bike and Riding Style
No two riders — or bikes — are the same. Whether you ride a cruiser, sport bike, touring motorcycle, or a customized build, we tailor coverage to match how and where you ride. Florida’s year-round riding weather means more time on the road — and more exposure to traffic, seasonal congestion, and changing conditions. From coastal rides along A1A to daily commuting, we help you stay protected wherever the road takes you. We also look for savings opportunities such as multi-policy discounts, multi-bike policies, and rider safety course credits when available.
Our Process
1
Review your bike type, usage, and riding experience
2
Identify coverage options for liability, damage, and accessories
3
Compare quotes from multiple Florida carriers
4
Customize coverage for value, protection, and budget
Florida Motorcycle
Insurance Basics
The table below highlights common motorcycle insurance options and how they benefit Florida riders.
| Coverage Type | What It Covers | Why It Matters |
|---|---|---|
| Liability | Injuries or damage you cause | Protects assets and finances |
| Collision | Damage to your motorcycle | Helps repair or replace your bike |
| Comprehensive | Theft, vandalism, storms | Important for Florida weather |
| Uninsured Motorist | Injuries from uninsured drivers | Critical rider protection |
| Accessory Coverage | Custom parts and gear | Covers upgrades and equipment |
Not sure which options fit your bike? We’ll help you decide.
Common Questions About Florida Motorcycle Insurance
Is motorcycle insurance required in Florida?
Motorcycle liability insurance is not required for registration like auto insurance, but coverage is strongly recommended for financial protection.
Do I need insurance if I don’t wear a helmet?
Yes. Florida riders who opt out of wearing a helmet must carry at least $10,000 in medical insurance coverage.
Does motorcycle insurance cover custom parts and accessories?
Yes, with optional accessory coverage. We’ll help you ensure your custom upgrades and riding gear are properly insured.
How can I get cheaper motorcycle insurance in Florida?
Discounts may be available for multi-policy bundling, multiple bikes, safe riding history, and safety courses.
Can you insure sport bikes and cruisers?
Absolutely. We insure cruisers, sport bikes, touring motorcycles, and custom builds.
Ride with Confidence Across Florida
Protect your motorcycle and your financial future with coverage designed for Florida riders. Our Jupiter-based team proudly serves bikers across Florida & Beyond with straightforward advice and competitive options.
1
What we believe
We stand for beauty that feels real and shows real results.
We choose thoughtful over rushed. Intentional over trendy. Real over filtered. We believe in confidence that isn’t loud but is undeniable.
2
What we try to deliver
A skin that feels like home, and in a version of beauty that is deeply yours.
We use organic, dermatologically tested products to deliver impactful treatments that are safe and healthy for your body.
