motorcycle insurance

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PostPosted: Fri Jan 11, 2008 5:40 pm   Post subject: motorcycle insurance  

Does anyone know if motorcycle insurance is required in Florida? My 23 year old son has no money and no mode of transportation for the last 1 1/2 years. He has to get transportation and would like a car but is considering a motorcycle due to the cost of insurance.

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PostPosted: Fri Jan 11, 2008 5:42 pm   Post subject:   

Also, are there any specific companies you would recommend for low insurance prices? He does have a couple of tickets so he's at a disadvantage with that, age and being male to start off with.

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PostPosted: Sat Jan 12, 2008 11:36 am   Post subject:   

I'm sure that Florida requires any 'land motor vehicle' to have liablity insurance, I'll double check but I'm pretty confident in that to lowest rates, you'll need to check I will tell you that Progressive Ins is the number one motorcycle insurer in the country, and they will give you the quotes of two or three other companies as well...good luck!


here's what i found re: flordia motorcycle ins:

State Insurance Requirements FINANCIAL RESPONSIBILITY LAW-IT DOES APPLY TO MOTORCYCLES! Florida's No-Fault, or "PIP Law" does not apply to motorcycles. HOWEVER, the Financial Responsibility FR Law applies to ALL motor vehicles in Florida, including motorcycles. Thus the voluntary purchase of motor vehicle liability insurance by an owner, operator or owner/ operator is highly recommended. Failure to carry property damage and bodily injury liability insurance in case of a crash, DUI conviction or other occurrences outlined in Florida's FR Law, Ch. 324, may result in some or all of the following: Loss of license/tag and registration, and/or restitution or civil court judgment, and future proof (three years) of high risk, SR22 mandatory liability insurance coverage just to keep your driver license - even if you do not own any motor vehicles. Source: Florida Motorcycle Handbook 2006

couple of other laws (not all ins related) re: motorcycles in florida:

Safety Helmet 316.211 Equipment for motorcycle and moped riders.-- Not required over 21 with a minimum of $10,000 in medical insurance

State Funded Rider Ed Available for all eligible applicants-required under age 21 education

Eye Protection Required by law

Daytime Use of Headlight Required by law-modulating headlight permitted

Passenger Seat Required if carrying a passenger

Passenger Footrest Required if carrying a passenger

Passenger Age Restriction None

Helmet Speakers No Restrictions

Periodic Safety Inspection None

Mirror Left(L) Right(R) One required by law

Radar Detector No Restriction

Turn Signals Not required.

Muffler No person shall modify the exhaust system in such a manner that the noise emitted is above that emitted by the vehicle as originally manufactured. No person shall operate a vehicle with an exhaust system so modified.

Maximum Sound Level Maximum allowable A-weighted sound levels based on measurements taken at a distance of 50 feet from center line of travel (Sec. 316.293): 1) Manufactured before 1/1/79--82dBA (35mph or less); 86dBA (over 35mph) 2)Manufactured after 1/1/79--78dBA(35mph or less); 82dBA(over 35mph).

Handlebar Height No higher than top of shoulders of the operator when seated upon the motorcycle.

Rider-Education Waiver Skill & Knowledge Test

Accept Motorcycle Endorsement From Other States Yes

Accept RiderEd Completion Card From Other States N/A

Motorcycles operating two abreast in same lane Yes. 316.209 - Operating motorcycles on roadways laned for traffic.-- (1) All motorcycles are entitled to full use of a lane and no motor vehicle shall be driven in such manner as to deprive any motorcycle of the full use of a lane. This subsection shall not apply to motorcycles operated two abreast in a single lane.

Lane Splitting 316.209 Operating motorcycles on roadways laned for traffic (2) The operator of a motorcycle shall not overtake and pass in the same lane occupied by the vehicle being overtaken. (3) No person shall operate a motorcycle between lanes of traffic or between adjacent lines or rows of vehicles.

Lemon Law Coverage No.

all of the above apply to ''on road'' there are some differences for ''off road''...


"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
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