Motorcycle Insurance

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Coverage for the Open Road

Whether you ride daily or just on the weekends, motorcycle insurance helps protect you, your bike, and your passengers. We offer flexible coverage options for riders across Florida—so you can cruise with confidence knowing you’re backed by real support.

What’s Typically Covered

A standard motorcycle policy can include:

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Liability Coverage

Covers injury or damage you cause to others

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Collision Coverage

Pays for damage to your motorcycle in an accident

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Comprehensive Coverage

Covers theft, fire, vandalism, and other non-collision events

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Uninsured/Underinsured Motorist

Helps protect you from drivers without insurance

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Medical Payments Coverage

Covers you and your passengers if injured

Florida doesn’t require all types of motorcycle coverage—but it’s smart to go beyond the minimums.

Popular Add-Ons for Riders

Looking for more protection or better peace of mind? Add-ons and upgrades include:

  • Custom Parts & Equipment Coverage
    Protects aftermarket upgrades and accessories

  • Roadside Assistance
    Help if you’re stranded

  • Trip Interruption Coverage
    Covers unexpected expenses if your trip gets cut short

  • Helmet & Safety Gear Protection
    Replaces damaged riding gear after an accident
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Why Florida Riders Choose Insured Choice

01

Rider-Focused Coverage

We’ll explain the limits, deductibles, and extras in plain English so you can ride smarter.

02

Affordable Options from Trusted Carriers

 We compare quotes from top companies to get you great protection at a fair price.

03

Local Support You Can Count On

Have a question? Need help after a claim? You’ll always speak with a real person—right here in Florida.

FAQs About Motorcycle Insurance in Florida

  • Is motorcycle insurance required in Florida?

    Yes. Liability coverage is required by law if you own and operate a motorcycle in Florida.

  • What does basic motorcycle insurance include?

    It typically covers liability, with optional add-ons like collision, comprehensive, and uninsured motorist coverage.

  • Will my policy cover custom parts or accessories?

    Not by default. But we offer optional coverage for chrome, custom paint, saddlebags, and other upgrades.

  • Can I insure a scooter or trike under a motorcycle policy?

    Yes—we cover scooters, mopeds, three-wheelers, and other motorized bikes.

  • Is there seasonal coverage if I don’t ride year-round?

    Some carriers offer lay-up or storage-friendly options. We’ll walk you through what works best for your riding habits.

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Let’s Find the Right Coverage for Your Ride

From scooters to cruisers, we’ll help you protect your bike and your freedom to ride. Reach out for a free quote today.