Florida Insurance Requirements for Motorcycles
The DHSMV recommends contacting a licensed insurance agent for specific details about purchasing insurance for your motorcycle.

Financial Responsibility Law
You might want to use the state’s minimum liability coverage requirements for private passenger vehicles as outlined in the Financial Responsibility Law as guidelines:

  • $10,000 for 1 person in bodily injury liability
  • $20,000 for 2 or more people in bodily injury liability
  • $10,000 per crash in property damage liability

To make sure you’re as protected as possible, you might want to browse other types of coverage as well.

No-Fault Law
The state also enforces a No-Fault Law by which you might need to abide. No-fault insurance covers incidents in which no bodily injuries occur, and includes:

  • $10,000 per person/crash in personal injury protection
  • $10,000 per crash in property damage liability
  • How Coverage Affects Helmet Requirements

Motorcyclists who are at least 21 years old and have a minimum of $10,000 with a medical insurance policy don’t have to wear helmets while operating their bikes.

However, every motorcyclist, regardless of age or insurance, must wear eye protection unless the motorcycle has a windshield.