Motorcycle

Motorcycle Insurance in Florida

Feel the freedom of the open road without sacrificing protection. 

Riding a motorcycle in Florida is all about freedom, but it also comes with added risks. Whether you’re cruising along the coast or zipping through traffic, the right motorcycle insurance protects you, your bike, and everyone around you.

At Ted Todd Insurance, we try to make sure your coverage fits your ride from weekend cruisers to daily commuters. And since Florida doesn’t require motorcycle insurance to register your bike, many riders are under-protected without realizing it. We’re here to help you find the best motorcycle insurance in Florida!

What Does Motorcycle Insurance Cover?

Even if you already have auto insurance, motorcycles need their own policy. Here's how it breaks down:

Key Motorcycle Coverages:

• Liability Coverage (Bodily Injury & Property Damage)- Helps cover costs if you're at fault in an accident that injures someone or damages their property. Florida doesn’t require motorcycle insurance by law, but if you cause an accident without it, you're still personally responsible—and that can be financially devastating.
• Medical Payments (MedPay)- Covers medical bills for you and your passenger after an accident, no matter who was at fault. Especially helpful if you don’t have health insurance or want extra protection for out-of-pocket expenses.
• Uninsured/Underinsured Motorist (UM/UIM)- This is critical coverage for Florida riders. If you’re hit by a driver who has no insurance or not enough to cover your injuries, UM helps pay for medical care, lost wages, and pain and suffering. You can either stack it with your auto policy or purchase it separately for your motorcycle.
• Roadside Assistance- Whether you’re stranded with a flat, a dead battery, or mechanical failure, this coverage helps you get back on the road—especially helpful when you’re far from home or on a long ride.
• Comprehensive & Collision Coverage
• Collision covers repairs if your motorcycle is damaged in a crash—whether you hit another vehicle or lose control.
• Comprehensive covers theft, vandalism, and storm damage (including hurricanes and falling debris). These are especially important if your bike is stored outside or on the move year-round.