Overall, the cheapest motorcycle insurance in Florida is offered by Dairyland with median rate of $16 per month or $192 yearly. However, Allstate, Geico, Progressive and Dairyland also offer some of the most affordable rates in the state.
Cheapest Motorcycle Insurance in Florida
Updated: April 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
For minimum coverage, Progressive is the cheapest motorcycle insurer in Florida. However, for full coverage, Markel offers the most affordable rates.
Motorcycle insurance in Florida costs an average of $12 per month for minimum liability coverage and $54 monthly for full coverage policies.
You can save on motorcycle insurance by comparing multiple providers, taking motorcycle safety courses, and getting a full motorcycle license.
Cheapest Motorcycle Insurance Companies in Florida
Cheapest Provider | Median Monthly Premium | Median Annual Premium |
|---|---|---|
Markel | $16 | $192 |
Progressive | $18 | $219 |
Dairyland | $37 | $446 |
Geico | $43 | $521 |
Harley Davidson | $52 | $624 |
*Rates are a combined average of minimum and full coverage premiums for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
Cheapest Minimum Liability Motorcycle Insurance in Florida
Progressive is the lowest cost motorcycle provider for minimum coverage in Florida with average rates of $76 per year or around $6 monthly. Compared to the state average, the company is 49% cheaper overall.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Progressive | $6.33 | 49% |
Markel | $6.69 | 46% |
Geico | $8.95 | 28% |
Dairyland | $15.99 | -29% |
Harley Davidson | $23.93 | -93% |
Cheapest Full Coverage Motorcycle Insurance in Florida
The cheapest full coverage motorcycle insurance provider in Florida is Markel with rates that are 53% lower than the state average. Below you can review other affordable providers in the state.
Cheapest Provider | Average Monthly Premium | % Savings Compared To State Average |
|---|---|---|
Markel | $25 | 53% |
Progressive | $30 | 45% |
Dairyland | $58 | -8% |
Geico | $78 | -43% |
Harley Davidson | $80 | -47% |
How Much Is Motorcycle Insurance in Florida?
The average annual cost of motorcycle insurance in Florida is around $149 for minimum coverage and $652 for full coverage. These costs make the state the 31st in affordability for minimum coverage and the 18th most expensive overall for full coverage motorcycle policies.
Coverage Category | Average Monthly Premium | Average Annual Premium | % Diff From National Average |
|---|---|---|---|
Minimum Liability Coverage | $12 | $149 | -3% |
Full Coverage | $54 | $652 | 14% |
*Rates are for a 40-year-old rider driving a 2023 Honda CRF450RL with 5 years of riding experience and no driving violations.
How To Save on Florida Motorcycle Insurance
Below we'll detail key tips to help you save more on motorcycle insurance in Florida.
Choose a Coverage Level Beforehand
Knowing what coverage you actually need can save you from being convinced you need a higher-level policy than necessary.
Compare Multiple Providers
In order to get the best pricing, comparing multiple providers apples to apples in terms of coverage can help you save up to 53% on motorcycle policies in Florida. We recommend that you not only compare multiple companies, but also use multiple means
Take Advantage of Discounts
Many discounts are available to help you save including a pay-in-full, autopay, and military/membership reduction for most providers. Bundling motorcycle insurance with other policies is also another great way to save if you want to have coverage with your current provider.
Get a Full Motorcycle License
Getting a full motorcycle license instead of just an endorsement can save you a large sum on insurance for your bike. It works as a signal to insurers that you are less risky than other drivers, lowing premiums overall.
Cheap Motorcycle Insurance Florida: Bottom Line
Our top three picks in order for affordable motorcycle insurance in Florida are Markel, Progressive and Dairyland. While these are our recommendations, we urge you to compare options for yourself to get the best deal possible.
Florida Motorcycle Insurance: FAQ
Below we've answered some frequently asked questions about Florida motorcycle insurance:
Which company has the cheapest car insurance in Florida?
For full coverage policies, Markel offers the cheapest option at $25 per month. For liability-only policies, Progressive offers riders the most affordable option for only $6 monthly.
How much does motorcycle insurance cost for most riders in Florida?
The average cost of motorcycle insurance in Florida is $652 per year or $54 monthly for full coverage policies and $149 annually or $12 monthly for liability-only policies.
Do you need motorcycle insurance in Florida?
No, Florida does not require motorcycle insurance. However, having a policy is highly recommended as it protects you and your bike.
How We Chose The Cheapest Motorcycle Insurance in Florida
We chose our cheapest providers based on the following profile for motorcycle riders:
- 40 years old
- Drives a 2023 Honda CRF450RL
- Has a valid motorcycle endorsement
- Clean driving record
For minimum coverage we used state minimum requirements and for full coverage policies, we used a 100/300/50 liability split and a $1,000 deductible for collision and comprehensive insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.