Do you know that Florida is the only state in the US where motorcycle insurance is not mandatory? Yes, it is true! Then the question arises that when insurance is not mandatory, then what is the need to take it? The answer is – your safety and protection from financial loss.
Why is motorcycle insurance necessary?
1. Protection from accident expenses
Your motor insurance policy is for your car, not for the bike. Even a small accident can cause great damage. In such a situation, only liability insurance can be beneficial for you.
2. Necessary for bike on loan
If you have taken a new bike on loan, then the loan giving company can ask you for full coverage insurance. The good thing is that comprehensive and collision coverage for bikes are very cheap.
3. Protection from uninsured drivers
About 13% of people in the US drive without insurance and Florida tops this figure. If you collide with an uninsured person, you will not be able to protect yourself from unfortunate financial losses. So make sure to get uninsured motorist coverage.
Full coverage motorcycle insurance in Florida: How much does it cost?
Full coverage insurance includes comprehensive and collision coverage for your bike. This means that this insurance not only protects you from damage caused to others, but also protects your own bike.
This option becomes especially important if your bike is expensive, customized, or classic, costing more than $5000.
Average monthly full coverage rates in some cities:
| City | Average Monthly Cost |
|---|---|
| Miami Beach | $240 |
| Delray Beach | $229 |
| Fort Myers | $227 |
| Orlando | $222 |
| St. Petersburg | $221 |
| West Palm Beach | $229 |
(Note: These are just average rates, the actual premium will depend on your profile.)
Cheapest Motorcycle Insurance in Florida Cities
If you want to buy just liability insurance, it is available for very cheap in many cities in Florida. This insurance may seem basic, but if you are responsible for an accident, it protects you from a lot of financial loss.
Cheapest monthly liability rates in some cities:
| City | Average Monthly Rate |
|---|---|
| Jupiter | $96 |
| St. Petersburg | $96 |
| Miami Beach | $98 |
| Pensacola | $99 |
| Weston | $101 |
| Melbourne | $101 |
Important Motorcycle Laws in Florida
Some important motorcycle laws in Florida are:
- Lane splitting is illegal. Bikes cannot pass vehicles in the same lane.
- If you are under the age of 21, wearing a helmet is mandatory. People over the age of 21 cannot wear a helmet unless they have $10,000 of medical coverage.
- Riding with a headset or earphones is illegal (except for hearing aid devices).
- Aftermarket modifications to the exhaust system are prohibited.
Motorcycle Insurance Discounts in Florida
Did you know you can get a discount on motorcycle insurance? Yes! Especially with bundling. If you already have home or car insurance, adding motorcycle to it can help you get a new and affordable rate.
Some of the major discounts:
- Multi-policy discounts
- Safe rider discounts
- Paperless options
- Operator education courses
- Garage parking
- Experience-based discounts
- LoJack or GPS tracker installed
Safety tips for biking in Florida
- Always keep the headlights on – this is a must.
- Electric turn signals should work so that you can clearly see your intentions on the road.
- Wear safety gear like jackets, gloves, helmets, etc.
- Follow rules like stunts, racing, and lane changing on the road.
Motorcycle Insurance Options in Florida: According to Your Needs
You can choose the insurance according to your needs:
- Liability coverage – covers damage caused to others.
- Full coverage (comprehensive + collision) – covers damage caused to your bike.
- Medical payments – covers your medical expenses if you are injured in an accident.
- Roadside assistance and rental coverage – provides help if you are unable to ride your bike and pays for temporary transportation.
Conclusion
Even though motorcycle insurance is not mandatory in Florida, it is important to have insurance for safety and to prevent financial losses. Choose the right coverage, take advantage of necessary discounts and follow the rules – so that your ride is safe, affordable and worry-free.
Also Read: Do You Have To Have Motorcycle Insurance in Florida
Surendra Bareth is a versatile actor and assistant director with a Bachelor’s degree from Guru Ghasidas University. He has made remarkable contributions to Hindi and Chhattisgarhi cinema, as well as television, excelling in both acting and direction.
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