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Motorcycle Insurance

Motorcycle insurance is similar to car insurance in that the policy offers you financial protection for injuries or damages incurred while driving your vehicle. A typical motorcycle insurance policy includes liability insurance, which pays for any losses you cause to others, but it can also include coverage for your bike and injuries. If you have more than one motorcycle, you can purchase a multi-bike policy and often receive a discount from your insurer.

On the other hand, if you ride another bike, such as while traveling or when borrowing one from a friend, your motorcycle insurance may not cover you adequately. Typically, your liability insurance will follow you and act as either primary or secondary coverage if you’re involved in an accident.

Our dedicated team will work with you on an individual basis to find a policy that best suits your needs, for you, your family, and possessions are secure.


Tell us about your insurance needs.

It’s essential to understand what your coverage options are — not just for your Motorcycle, but for you, and to others.

Learn More About Motorcycle Insurance Coverage

Florida Insurance Requirements

Understanding the different types of coverages can help you find the right Motorcycle insurance policy for your needs and budget.

It's Your Financial Protection.

Understand Florida policy coverages.

Find out what will impact the insurance price.

Why do you need Motorcycle Insurance?

Riders in the state of Florida do not have to show proof of insurance to register their motorcycle, and they are not required to purchase a motorcycle insurance policy.

Riding a motorcycle without insurance is widely ill-advised because you be financially responsible for any injuries or losses and potentially sue you for any damage or injuries you cause.

Unless you have unlimited funds and don’t mind parting with them, it’s generally advisable to have coverage to manage your liability exposure. On top of this, if you frequently take your motorcycle out-of-state for road trips, there may be requirements in those states you’ll also have to follow.

Motorcycle coverage may seem like an unnecessary cost for many riders. However, motorcycle insurance is not only the smartest financial investment you can make for your assurance.

Here are some specific circumstances that motorcycle insurance would cover:

Damage to property in an motorcycle accident caused by you.

Injury cause to others in an motorcycle accident caused by you.

Your motorcycle is involved in an accident caused by another driver who does not have adequate/any insurance coverage.

Theft or vandalism of your house.

You and guest passenger become injured in an motorcycle accident and need medical assistance.

At WE Insure, we offer free, comparative auto, home, and business quotes from multiple insurance carriers to get you the best possible assurance rate.

Want to see how much we can save you? Just request a quote to find out.

What does Motorcycle Insurance Cover?

When you purchase motorcycle insurance, you will have to decide what types of motorcycle coverage to purchase. Policy options are additional but cover all of your bases in case of an accident. At minimum, we recommend you carry liability coverage for property damage as well as PIP. Listed below are the different types of motorcycle insurance coverage you could purchase and what they cover.

Typical Florida Homeowners Policy Components.

General Liability

General liability includes coverage for bodily injury or property damage due to an accident you cause.

Personal Injury Protection

This overage pays for bodily injury or death resulting from an accident regardless who at fault.

Collision Damages

This coverage pays for the damage to your vehicles in the event you cause an accident.

Comprehensive Coverage

This overage pays for damage to or replacement of your car from theft, vandalism, flood, fire, and other perils.

Uninsured Motorist

This coverage pays cover you when another driver lacks adequate coverage to pay the medical costs of an accident.

Medical Payments to others

This can help pay for minor injuries if a guest is hurt on your property. This coverage is usually sold in a small amount,

Then some coverages are unique to motorcycle insurance, including:

Guest passenger liability insurance.

Accessories or added equipment coverage.

Personal item or “carried contents” coverage.

Customized Motorcycle Parts Coverage.

What does Motorcycle Insurance Cover?

Motorcycle Insurance vary widely based on individual rating factors, and every single insurance quote will generate a different premium. Bellow, you can find some of the things that commonly influence an Motorcycle insurance rates.

Base Demographic

— Your age, your gender, your marital status, and education will affect your insurance rates in different ways.

Your Riding History

— Your Riding record and loss history plays a substantial role in the rates.

Yours Riding Habits

— Your daily driving routine and what purposes you use of your motorcycle.

What kind of Bike you Ride

— The price, style and age of your motorcycle all contribute to how much car insurance costs will be.

Your Credit History

— The better your credit, the more favorable your rates will usually be.

Claims History

— Claims maid on a homeowner’s insurance policy it'll increase the premium.

Your Household

— Insurance companies underwrite at the household level, meaning they try to base insurance rates on the habits of the entire family.

Coverages You choose

— Your insurance and coverage amounts choices and deductibles, have a significant impact on how much you'll pay.



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