Motorcycle Insurance Quotes



In most states, the motorcycle insurance requirements for operating a two-wheel vehicle on public roadways are basically the same as the insurance requirements for operating a four-wheel car or truck. This is not the case in Florida. The statutes regarding motorcycle insurance in Jacksonville and across the state are based on the individual financial responsibility of the bike's owner. That means two-wheel vehicles that are legal to operate on streets and roadways can be registered in Florida without proof of insurance. As a no-fault state for other vehicles, Personal Injury Protection (PIP) is required. However, this insurance is not available to a motorcycle owner even when they already have PIP coverage on other vehicles.

Florida Requirements for Motorcycle Insurance

A motorcycle owner has three ways to satisfy the State of Florida minimum requirements for operating a motorcycle, which includes:

  • Insurance ID Card. The most common way to get the coverage that a motorcyclist needs is to purchase the minimum amount of liability insurance required from an insurance carrier. However, this does not cover other damages related to a crash.
  • Certificate of Financial Responsibility. To obtain a Financial Responsibility Certificate, the motorcycle owner must post a surety bond with a state-licensed carrier and deposit a specified amount of cash or securities with DHSMV.
  • Self-Insurance Certificate. To obtain a Self-Insurance Certificate, the motorcycle owner must provide evidence of a specified net worth to the Bureau of Financial Responsibility.

If a motorcyclist is involved in an accident deemed to be his or her fault and cannot meet their financial obligation, they face serious ramifications. These can include suspension of their driving privileges, suspension of their vehicle registration and tag or a mandate that requires them to purchase bodily injury and property damage liability coverage for three years. In addition, the at-fault motorcycle owner would be open to civil judgments in tort court. If a motorcyclist is involved in an accident that is not his or her fault and suffers damages, they must pursue compensation from the other driver's insurance company.

The Right Coverage for Every Rider

The fact that injuries sustained in a motorcycle crash are likely to be more severe coupled with the fact that approximately one-fourth of Florida's drivers are uninsured or underinsured, means a motorcycle rider is at a high risk of financial disaster following a serious crash. Obtaining the cheap motorcycle insurance in Jacksonville can be crucial for paying medical bills, replacing lost income and repairing damage to their bike. At Nsurance Nation, our agents can design a policy that is as unique as the bike you're riding. From comprehensive collision coverage to passenger liability, we can tailor a policy to meet your needs. If you frequently take long rides, we can add provisions for roadside assistance or additional accessory coverage for an expensive paint job.

We make getting affordable motorcycle insurance easier. Call to ask us how! 1-877-957-3487


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