Get Your Free Motorcycle Insurance Quote
Florida is a year-round motorcycle state — A1A through the barrier islands, US 1 through the Keys, the Tail of the Dragon-style runs through the Ocala National Forest, and the dense southeast urban riding around Miami-Dade and Broward all keep two-wheel registrations among the highest in the country per capita. Florida First Insurance of Broward writes motorcycle liability and physical damage on cruisers, sportbikes, touring bikes, dual-sports, and trikes — with attention to OEM accessory coverage that often goes uninsured under base policies.
Florida does not legally require bodily-injury liability on a motorcycle in the same way it does for autos, but riders financing a bike, or with assets to protect, almost always carry higher limits than the state minimum. Stated-amount coverage for custom builds and high-value tourers, uninsured/underinsured motorist (which becomes crucial given how many Florida drivers carry only PIP/PDL), and equipment endorsements for radios, fairings, and saddlebags are the conversations we have on every placement.
Motorcycle policies bind for riders in Miami-Dade, Broward, and Palm Beach down south; Collier and Lee on the southwest coast; Sarasota and Manatee on the Suncoast; Hillsborough, Pinellas, and Pasco around Tampa Bay; Polk, Orange, and Seminole through central Florida; Brevard and Volusia along the Atlantic (Daytona Beach Bike Week home base); Marion, Alachua, and Duval through North Florida; and Leon and Escambia in the Panhandle.
Motorcycle coverage is open to riders in Miami, Fort Lauderdale, West Palm Beach, Boca Raton, Fort Pierce, Port St. Lucie, Palm Bay, Melbourne, Titusville, Daytona Beach, Jacksonville, Gainesville, Ocala, Orlando, Lakeland, Winter Haven, Tampa, St. Petersburg, Clearwater, Sarasota, Bradenton, Fort Myers, Cape Coral, Punta Gorda, Naples, Pensacola, Fort Walton Beach, Panama City, and Tallahassee.
What Does Motorcycle & Bike Insurance Cover?
- Liability Coverage — Covers bodily injury and property damage to others if you cause an accident while riding.
- Collision Coverage — Pays to repair or replace your motorcycle after an accident, regardless of fault.
- Comprehensive Coverage — Covers theft, vandalism, fire, weather damage, and animal strikes to your bike.
- Uninsured/Underinsured Motorist — Protects you if hit by a driver without adequate insurance — especially important for riders.