Motorcycle Insurance in Orlando, FL
Common Coverage Options
Custom Parts and Equipment: If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Liability Coverage: You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
Medical Coverage: This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Uninsured/Underinsured Motorist Coverage: This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Roadside Assistance: Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
Motorcycle Insurance in Orlando & Central Florida
Florida is one of the best states for year-round riding, but that also means more time on the road and more exposure to risk. Whether you ride a cruiser, sportbike, touring bike, or scooter, the right motorcycle insurance protects you, your bike, and your finances if something goes wrong.
Florida law doesn't require motorcycle insurance, but riding without it is a serious financial gamble. A single accident can result in tens of thousands of dollars in medical bills, bike repairs, and liability claims — all out of your pocket without coverage.
What Motorcycle Insurance Covers
- Liability coverage — Pays for injuries and property damage you cause to others in an accident. This is the foundation of any motorcycle policy.
- Collision coverage — Pays to repair or replace your bike after a crash, regardless of fault.
- Comprehensive coverage — Covers theft, vandalism, fire, weather damage, and hitting an animal.
- Uninsured/underinsured motorist — Covers your injuries and damages when the at-fault driver has no insurance or not enough. Critical in Florida, where ~20% of drivers are uninsured.
- Medical payments — Covers medical expenses for you and your passenger after an accident.
- Accessories coverage — Covers custom parts, aftermarket accessories, and gear.
Frequently Asked Questions
Is motorcycle insurance required in Florida?
Florida is one of the few states that doesn't require motorcycle insurance by law. However, if you're in an at-fault accident without insurance, you're personally liable for all damages and medical costs. We strongly recommend at minimum liability and uninsured motorist coverage.
How much does motorcycle insurance cost in Orlando?
Motorcycle insurance in the Orlando area typically costs $200-$1,500/year depending on the bike type, your riding experience, coverage limits, and driving record. Cruisers and touring bikes are generally cheaper to insure than sportbikes.
Does my auto insurance cover my motorcycle?
No. Your auto insurance policy does not cover motorcycles. You need a separate motorcycle policy. However, bundling both with the same carrier can save you money.
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