Coverage
Motorcycle Insurance in Florida
Coverage built around how you actually ride — from a daily-commute standard bike to a collector's vintage classic.
Mon–Fri 9am–6pm ET
Talk to a licensed agent about motorcycle insurance
Takes about a minute. A licensed agent calls you back during office hours (Mon–Fri 9am–6pm ET).
New: our Florida guide, with the rules, the coverage gaps and FAQs. Read the Florida guide: Motorcycle →
Motorcycle insurance isn't one-size-fits-all. A supersport bike built for the track carries a very different risk profile than a touring bike built for cross-country comfort, and pricing reflects that. We review your specific bike, riding style, and experience level closely to find the right policy at a fair price.
Whichever you ride, we'll help you find liability, collision, and comprehensive coverage at a fair price — including gear, accessory, and custom parts coverage on many policies.
- Liability, collision & comprehensive coverage
- Custom parts, gear & accessory coverage
- Agreed-value coverage available for vintage & collector bikes
- Seasonal/lay-up coverage options
Types of coverage we can help with
Standard motorcycle
An everyday, all-purpose motorcycle with a balanced engine size and upright seating position — built for commuting and casual riding rather than a specific riding style.
Cruiser motorcycle
Low seat height, relaxed riding position, and larger engine displacement. A popular choice for casual weekend rides and longer leisure trips.
Touring motorcycle
Built for long-distance comfort — larger fairings, weather protection, and storage compartments for cross-country trips.
Sport touring motorcycle
Blends sport-bike performance with touring comfort, for riders who want spirited handling without giving up long-distance comfort.
Supersport motorcycle
High-performance, track-inspired design with powerful engines and an aggressive riding position. Typically carries the highest insurance rating of any category.
Sport motorcycle
Lighter weight and performance-focused, built for speed and precise handling on paved roads.
Dual sport
Designed for both on-road and off-road riding, with higher ground clearance and versatile tires for mixed terrain.
Harley-Davidson motorcycle
A distinct category due to strong resale value and frequent customization — often insured with higher coverage limits to reflect actual replacement cost.
Adventure touring motorcycle
Built for long-distance travel over mixed terrain, with rugged suspension, larger fuel tanks, and durability for pavement and unpaved trails alike.
Moped / Motor scooter — sport
A smaller-displacement scooter styled for a sportier look and feel, typically used for short urban trips.
Moped / Motor scooter — standard
A small-displacement, automatic-transmission scooter built for basic commuting and everyday urban transportation.
Vintage motorcycle
Classic and collector motorcycles, often eligible for agreed-value coverage that reflects their appreciating value rather than standard depreciation.
Three-wheeled motorcycle
Trikes and reverse-trikes (including autocycles) that offer added stability with a third wheel — whether factory-built or professionally converted.
Coverage is subject to underwriting and eligibility. Descriptions are general information, not policy language.