Motorcycle Insurance is Required in Florida

  • 01/7/20

The Myth:

To understand the myth that insurance is not required, let’s examine how and why this myth exists: when you purchase a motorcycle in Florida, it is not required to show proof of insurance to register the motorcycle.  This is a major difference from the requirement for other “motor vehicles.”  With other “motor vehicles,” in order to obtain the state registration you must FIRST provide proof of insurance.  (You may have experienced this when purchasing a vehicle from a dealership.  Before even leaving the lot, the dealership will ask for evidence of insurance). This is all different from the requirements of motorcycle insurance.  Registration of a motorcycle does not require proof of insurance.  Thus establishing the myth the insurance is not required for motorcycles.


The requirement for motorcycle insurance is disguised by statute.  In Florida, owners of motorcycles that are involved in a crash must comply with FL Stat. §324  which states “it is required that the operator of a motor vehicle involved in a crash or convicted of certain traffic offenses…shall respond for such damages and show proof of financial ability to respond for damages in future accidents as a requisite to his or her future exercise of such privileges.” This is generally known as the Financial Responsibility Law. According to §324 motorcycles are required to be insured with bodily injury and property damage liability insurance. 
The required minimum’s at the time of this blog (Jan. 2020), are:

Required Minimums of Motorcycle Liability Insurance:

  • $10,000 in Bodily Injury Liability; and
  • $10,000 in Property Damage Liability. 
If the motorcyclist did not have the required insurance, they will be required to purchase SR-22 insurance.

What is SR-22 Insurance?

SR-22 Insurance is a state-mandated insurance policy.  This mandated policy is often required by drivers involved in a DUI offense or an automobile accident in which the driver did maintain the required insurance. SR-22 insurance is required to be carried for a specific amount of time.  If the SR-22 policy is not maintained for the entire time period designated by the Department of Highway Safety and Motor Vehicles, the FLHSMV Department will suspend your license.  Additionally, SR-22 is extremely expensive, as compared to other insurance policies for the same amount of coverage.
If you have been involved in a motorcycle accident, please contact us immediately.  We are specialists that focus on motorcycle-related incidents.  
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