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Takes 2–3 minutes · 150+ carriers · Florida's agency since 1966
Motorcycles, ATVs, and UTVs need their own policy — your auto insurance won't follow them. Coverage includes liability, collision and comprehensive for the bike, and options for custom parts and safety apparel. Florida's year-round riding season and heavy traffic make uninsured-motorist and medical coverage especially worth carrying.
Florida doesn't require liability to register a motorcycle, but you're financially responsible for crashes and lenders require full coverage — most riders should carry liability plus UM.
Guest passenger liability is available and often included. Confirm the limit if you regularly ride two-up.
Yes — off-road ATVs, UTVs, and golf carts can be covered for liability and physical damage.