Cheapest Motorcycle Insurance In Florida For 2024

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Written by
Bob Phillips
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Getting the right motorcycle insurance in Florida can be tough, but you’re in the right place to figure it out. Based on our experience, the best motorcycle insurance company offers a great mix of thorough coverage and top-notch customer service.

If affordability is your top concern, Harley Davidson (Sentry Insurance) is a standout choice, offering a very competitive monthly premium of just $47. With more than 15 years in the insurance industry, I’ve witnessed how opting for a cheap motorcycle insurance policy can have negative consequences. It’s not only about meeting legal requirements; it’s about safeguarding your investment.


Best & Cheapest Motorcycle Insurance In Florida

Best Overall - Harley Davidson (Sentry)
Best for Military Members - USAA (Progressive)
Best Motorcycle Insurance, Florida, 2024

Compare The Best Motorcycle Insurance Companies In Florida

Overall Rating Cheapest For AM Best Rating J.D. Power Rating Online Experience Get A Quote
Harley Davidson



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Bundling Insurance




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Our Methodology

To determine the best motorcycle insurance in Florida, I relied on unbiased data from AM Best for financial stability and J.D. Powers for customer satisfaction ratings. Additionally, I analyzed information from various consumer review platforms and utilized my experience as a former property and casualty insurance agent.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Best Motorcycle Insurance Companies in Florida

Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
9/10 Coverage Level

Why We Like Them

Harley Davidson is the top choice for motorcycle insurance in Florida due to its comprehensive policies and exceptional service offered by Sentry Insurance. This partnership provides a distinct advantage.

Sentry, a highly regarded name in the insurance industry, supports Harley Davidson’s policies, guaranteeing reliability and a strong financial base for policyholders. Sentry’s A+ rating from independent insurance rating service AM Best confirms Sentry’s ability to fulfill policyholder commitments efficiently.

Harley Davidson’s insurance options, supported by Sentry’s knowledge, are tailored to meet motorcyclists’ diverse needs. These policies offer a wide range of coverage options and customer-centric services, making them more than just insurance—they’re a wise investment for riders.

Harley Davidson’s customized insurance solutions, coupled with Sentry’s established reputation, make it the premier option for motorcycle insurance in Florida.

Benefits & Drawbacks

  • Coverage options customized to meet the unique needs of motorcycle riders.
  • Provides a range of discounts and benefits for safe riders and H.O.G. (Harley Owners Group) members.
  • Supported by Sentry Insurance, renowned for its financial strength and dependability.
  • Availability may be restricted in specific regions.
  • Coverage might offer more advantages for owners of Harley Davidson motorcycles compared to other brands.
  • Certain riders may prefer not to have coverage through a third-party insurer.

Best for Customer Service

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

Allstate is a standout option for motorcycle insurance in Florida, especially known for its outstanding customer service. With a reputation for a personalized approach, Allstate ensures that every policyholder receives attentive and customized support. This is crucial for motorcyclists, who often have unique needs and concerns distinct from typical auto insurance customers.

Allstate’s local agents offer valuable in-person support. These agents are knowledgeable about Florida’s road laws and biking culture, providing insights and guidance beyond basic insurance questions. Additionally, Allstate’s strong online and mobile platforms enhance their personal service, providing convenient 24/7 access to policy management and claims processing.

With its knowledgeable local agents, efficient digital tools, and dedication to customer satisfaction, Allstate is a standout option in Florida for those looking for exceptional customer service in motorcycle insurance.

Benefits & Drawbacks

  • Extensive range of coverage options and customizable policies to fit individual needs.
  • Access to local agents who provide personalized service and understand regional insurance requirements.
  • Offers a variety of discounts, including safe riding and multiple policy discounts.
  • Premiums may be higher compared to some other insurance providers.
  • Discounts and policy options can vary significantly depending on individual circumstances.
  • Some riders may find the policy options more suited for casual rather than professional or competitive riders.

Best for Military Members

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
8/10 Coverage Level

Why We Like Them

USAA is the leading choice for motorcycle insurance among military members, providing a blend of personalized services and a trusted partnership. Understanding the unique needs of the military community, USAA has partnered with Progressive, an A+ (Superior) rated company, to manage coverage and claims processing.

This strategic partnership combines Progressive’s expertise in motorcycle insurance with USAA’s dedication to serving military personnel and their families.

Teaming up with Progressive guarantees that USAA’s members get specialized motorcycle insurance supported by financial stability and industry expertise. Additionally, USAA’s recognition as the top-rated customer service provider by J.D. Power demonstrates its commitment to excellence and customer happiness.

Military members benefit from this partnership through streamlined service, responsive claims handling, and policies that account for the complexities of military life. The collaborative effort between USAA and Progressive offers military riders a dependable, all-encompassing insurance solution tailored to their distinct situations.

Benefits & Drawbacks

  • Progressive, renowned for its proficiency in motorcycle insurance, manages coverage and claims for USAA's motorcycle insurance policies.
  • USAA is well-regarded for its customer service, guaranteeing a responsive and supportive experience for policyholders.
  • Customized services and discounts designed specifically for military members and their families.
  • Certain policyholders might favor interacting directly with a single insurer rather than through a partnership setup.
  • Coverage options and benefits might be more standardized since they are part of a broader, non-specialized insurance portfolio.
  • USAA membership is only available to military personnel, veterans, and their families, meaning the general public cannot join.

Best For Bundling

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

GEICO is a top choice for bundled insurance in Florida, especially for motorcycle insurance. Their reputation for competitive rates across different insurance types makes them a popular option for Floridians seeking to streamline their insurance coverage.

What makes GEICO unique is its ability to seamlessly combine multiple policies, such as motorcycle, auto, and home insurance, into one package. This simplifies policy management and frequently leads to substantial savings for policyholders.

Along with its affordability, GEICO is known for its user-friendly approach. Their digital tools, including a robust website and highly-rated mobile app, make managing and updating policies simple. Furthermore, GEICO’s customer service is consistently rated highly, guaranteeing that policyholders receive quick and effective support whenever required.

This means that motorcyclists in Florida can easily access their policy information and have a straightforward claims process. The blend of affordability, convenience, and dependable customer service makes GEICO a top choice for bundled insurance in Florida.

Benefits & Drawbacks

  • GEICO is known for its efficient claims processing and strong reputation for customer service.
  • GEICO offers competitive pricing and a range of discounts.
  • GEICO provides user-friendly online tools and a mobile app for convenient policy management.
  • The coverage options for motorcycles from GEICO may not be as specialized as those from providers that exclusively offer motorcycle insurance.
  • Some customers have reported experiencing variability in their customer service interactions.
  • The ability to customize policies may be more limited compared to specialized motorcycle insurance providers.

Cheapest Motorcycle Insurance In Florida For Minimum Liability

According to our findings, USAA (Progressive) provides the most affordable rates for minimum coverage in Florida, with an annual cost of $70.

The term “cheapest minimum liability for motorcycle insurance in Florida” pertains to the least expensive insurance plans that fulfill the state’s minimum legal prerequisites for motorcycle riders. These plans typically include basic liability coverage, which covers expenses for bodily injury and property damage caused by the rider to others in an accident.

In this category, insurance rates are significantly influenced by factors such as driving history. A clean record generally results in lower premiums because insurers see these riders as lower risk. Conversely, individuals with a history of accidents or traffic violations may face higher rates because insurers view them as more likely to be involved in future incidents.

It’s important to note that being in an accident can greatly impact your insurance rate, as it indicates a higher risk of expensive claims for the insurance provider. This risk evaluation directly affects the cost of minimum coverage insurance in Florida.

Insurance Provider Minimum Coverage Annual Cost
Progressive $71
Harley-Davidson $203
Dairyland $257

Cheapest Motorcycle Insurance For Full Coverage

After conducting thorough research, we found that Harley Davidson (Sentry) offers the most affordable full coverage motorcycle insurance in Florida, priced at $42 per month.

The term “cheapest full coverage for motorcycle insurance in Florida” pertains to the most economical choices for insurance policies that surpass the state’s minimum liability prerequisites. Full coverage generally encompasses comprehensive and collision insurance, offering broader protection against various situations such as accidents, theft, vandalism, and natural disasters.

In this category, insurance rates are significantly influenced by factors such as a rider’s driving history. A clean record typically results in lower premiums because insurers consider these riders to be lower risk.

On the other hand, having a history of accidents or traffic violations typically leads to higher rates because insurers consider these riders to be more of a risk. In particular, being in an accident can substantially raise your rate since insurers believe it increases the likelihood of future claims.

Company Average Monthly Rate for Full Coverage
Harley-Davidson $27
GEICO $109
Progressive $33
Allstate $59

Average Cost Of Motorcycle Insurance By City In Florida

Where you live in Florida can affect your motorcycle insurance rates. For instance, riders in larger cities generally pay more than those in rural areas due to the higher frequency of accidents in densely populated areas.

These are the ten cities in Florida with the most affordable motorcycle insurance rates:

City Rate
Boca Raton $46
Cape Coral $40
Fort Myers $48
Gainesville $39
Miami $79
Orlando $51
Tallahassee $43
West palm Beach $56
St. Petersburg $38

Average Cost Of Motorcycle Insurance In Florida

The average cost of full coverage motorcycle insurance in Florida is $46 per month.

Company Average Monthly Rate for Full Coverage
Harley-Davidson $27
GEICO $109
Progressive $33
Allstate $51
Nationwide $59

How To Get A Motorcycle Insurance Quote In Florida

Obtaining a motorcycle insurance quote is a simple process that involves several key steps:

  1. Collect Your Personal Details: Before you begin, gather your personal information. This includes your full name, address, date of birth, and driver’s license number. Also, have information about any additional riders who might use the motorcycle.
  2. Gather Your Motorcycle’s Information: You’ll need specific details about your motorcycle, including the make, model, year, engine size, and vehicle identification number (VIN). If you’ve made any modifications or have specific safety features, have those details ready, as they can impact your quote.
  3. Assess Your Insurance Requirements: Determine the type of coverage you require. This involves selecting liability limits and deciding whether you want additional coverage such as comprehensive, collision, or uninsured motorist coverage.
  4. Research Insurance Companies: Explore insurance providers that offer motorcycle insurance. Check their reputation, customer service reviews, and financial stability.
  5. Obtain Quotes: You can request quotes online, over the phone, or in person. Provide the information you’ve gathered to the insurance provider. Online forms are a convenient and quick way to get multiple quotes. (Insuranceopedia can provide you with multiple quotes, streamlining your selection process.)
  6. Compare Quotes: After receiving several quotes, compare them not only based on price but also on coverage options, deductibles, and any exclusions or limitations. Ensure you’re comparing similar coverages across different quotes.
  7. Inquire About Discounts: Ask about potential discounts you may be eligible for, such as those for safe driving, multiple policies, or completing motorcycle safety courses.
  8. Review Quotes and Choose a Policy: Evaluate all the information and select the policy that provides the best balance of price and coverage for your requirements.
  9. Provide Additional Information and Complete Your Purchase: After choosing a provider, you may need to provide additional information or documentation. Review the policy details, make the initial payment, and you’ll receive your proof of insurance.

Remember, the cheapest quote isn’t always the best. Consider the value of the coverage you’re getting for the price you’re paying.


Do You Need Motorcycle Insurance In Florida?

In Florida, having motorcycle insurance isn’t just important; it’s a legal obligation. The state requires all motorcycle riders to have a minimum level of insurance coverage to legally ride on public roads. This regulation ensures that if there’s an accident, there’s financial coverage for any resulting damages or injuries.

The minimum required insurance coverage includes liability insurance, which covers bodily injury and property damage that a rider may cause to others in an accident. Specifically, the law mandates coverage of at least $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage. However, this basic coverage does not protect the rider’s injuries or damages to their motorcycle.

To enhance their protection, riders often opt for additional coverages such as collision, comprehensive, and uninsured/underinsured motorist coverage. Collision coverage pays for damages to your motorcycle in an accident, while comprehensive covers non-collision incidents like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is especially crucial in Florida, where many drivers and riders may not have sufficient insurance.

While the law sets minimum insurance requirements, it’s prudent for riders to assess their individual needs based on factors such as the value of their motorcycle, how often they ride, and their financial circumstances. Additionally, not having the required insurance can lead to penalties like fines, license suspension, and possibly having your motorcycle impounded.


How much is motorcycle insurance in Florida?

The typical monthly cost for comprehensive motorcycle insurance in Florida is around $27.

Which company offers the cheapest motorcycle insurance in Florida?

The most affordable motorcycle insurance provider in Florida is Harley Davidson, offering coverage at $27 per month. Sentry Insurance Company handles the coverage and policyholder service for Harley Davidson.

Do you need motorcycle insurance in Florida?

In Florida, it’s mandatory for motorcycle operators to have motorcycle insurance.


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