The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


mobile callClick to Call
Kingdom Tree Insurance Group

113 South Monroe Street,
1st Floor,
Tallahassee, FL 32301

mobile mapGet Directions

State Requirements for Motorcycle Insurance in Florida

Have you only recently bought a motorcycle, or have plans to in the near future? If you’re in Florida, you’ll want to know what this means in terms of minimum insurance requirements. Discuss what you should get for your motorcycle policy with an agent from Kingdom Tree Insurance Group in Tallahassee, FL today.

Differences Between Auto and Motorcycle Insurance

Personal Injury Protection (PIP) insurance laws are necessary for all drivers of cars in Florida. However, these laws don’t apply to motorcycles. Certain insurance providers offer this type of insurance in a form that is similar to auto insurance coverage. Since it’s not required for motorcycles in Florida, it isn’t regulated by state law. This means that an individual won’t have to show they have a permanent injury in order to get compensation for pain and suffering if a motorcycle is involved.

Minimum Requirements for Motorcycle Insurance in Florida

In Florida, the minimum motorcycle insurance is as follows.

  • $10,000 bodily injury liability for one person
  • $10,000 property damage liability for each crash
  • $20,000 bodily injury liability for two or more individuals

You also might want to purchase uninsured motorist coverage, as well as other types of insurance. This will cover pain and suffering, lost wages, and medical bills if you get injured from a crash. It’s beneficial when you are injured and the other driver doesn’t have bodily injury insurance or if it isn’t enough to cover expenses. Consider stacking it with the insurance coverage you have on other vehicles if it’s a possibility with your provider.

Reach out to us at Kingdom Tree Insurance Group in Tallahassee, FL with your questions about motorcycle insurance. We’ll make the process easier to set up the insurance coverage you want.