Motorcycle insurance in Florida, is it required?

  • June 24, 2020

The highways and scenic byways of Florida see some of the heaviest traffic in the country. While many states require motorcycle insurance coverage to be comparable to other motor vehicles, Florida laws regarding necessary insurance coverage vary for different vehicle types. 

Vehicles with four-wheels are required to carry personal injury protection. Here is everything you need to know about motorcycle insurance in Florida according to

Florida’s ‘No-Fault’ Laws Don’t Apply to Motorcycles

When it comes to vehicle accidents, Florida is one of the few states with ‘no-fault’ laws. No-fault means that motorists send medical or property damage claims to their own insurer, regardless of who was at fault for the accident. Under this law, motorists are typically not allowed to sue another motorist for medical bills or property damage, with some exceptions for serious injuries. 

As a ‘no-fault’ state, motorists are required to have a minimum amount of insurance coverage to keep their vehicle on the road. However, motorcycles do not fall under the ‘no-fault’ umbrella. That means motorcycle riders must sue other motorists in the event of an accident. 

That doesn’t necessarily mean auto insurance motorcycles aren’t required. 

Minimum Motorcycle Insurance Required

Florida laws regarding insurance requirements for four-wheeled vehicles are minimal at best. The laws for motorcycle insurance in Florida are even more lax. Not much insurance coverage is required for motorcycles.

Rather than requiring specific coverage of property or injury liability, motorcyclists must meet a requirement of financial responsibility of at least $10,000 in medical benefits. The benefits can come in the form of liability insurance or through your personal health insurance policy. 

Motorcyclists don’t have to show proof of a typical insurance policy to register their vehicle. However,  they do have to show proof that they meet the financial threshold for motorcycle insurance Florida required to cover any potential damages. 

Florida has one of the highest rates of uninsured drivers according to It may be fiscally beneficial in the long run to opt for liability insurance if you drive in the sunny, southern state.