Depending on how your bike is financed, motorcycle insurance may be required. Either way, the right policy protects you financially if you’re in an accident or your bike is stolen or damaged.
Owners of motorcycles, scooters and trikes.
Florida’s PIP law doesn’t apply to motorcycles, so medical coverage choices matter.
Custom parts, roadside, trip interruption.
What is covered under motorcycle insurance?
Coverage depends on your policy and may include:
- LiabilityCovers bodily injury and property damage you cause to others while riding.
- Uninsured / underinsured motoristProtects you if you’re hurt by a driver without adequate insurance.
- CollisionPays for damage to your bike after a collision with another vehicle or object.
- ComprehensiveCovers theft, vandalism, fire and other non-collision losses.
- Roadside assistance & towingGets you help when your bike breaks down, plus trip interruption expenses.
- Custom parts & equipmentProtects aftermarket upgrades and specialty gear.
Motorcycle insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with motorcycle insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
Is motorcycle insurance required in Florida?
Florida doesn’t require PIP for motorcycles, but riders must meet the state’s financial responsibility rules, and lenders require coverage on financed bikes. We’ll explain what applies to you.
Does my policy cover my riding gear?
Many motorcycle policies offer optional coverage for helmets, jackets and other safety apparel. Ask us to add it.
Ready for your motorcycle quote?
Free, no-obligation, and compared across multiple carriers.