Motorcycle Insurance Cost in Florida
Motorcycle insurance in Florida costs about $1,050 a year ($88 a month), which is 35% above the US average. Most prices fall from $340 to $2,430.
Motorcycle Insurance Cost in Florida
| Low | Typical | High | |
|---|---|---|---|
| Florida | $340 | $1,050 | $2,430 |
| US average | $250 | $780 | $1,800 |
Premiums in Florida reflect local claim costs, repair prices, weather risk and state insurance rules. We rank Florida number 49 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.35 (1.00 is the US average).
What the price covers
The figures are for a rider with a clean record and a mid-size bike. Sport bikes, new riders and year-round coverage cost more; seasonal policies cost less.
Ways to pay less in Florida
- Completing a rider safety course often earns a discount.
- Seasonal or lay-up coverage costs less if you do not ride in winter.
- Engine size and bike type have a big effect on price.
Frequently asked questions
How much is motorcycle insurance?
In Florida the typical price is about $1,050 a year ($88 a month), with a range of $340 to $2,430.
Is motorcycle insurance more expensive in Florida than average?
It is 35% above the US average of $780.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.