Insuring the Sunshine State Bike by Bike

Motorcycle Insurance Pensacola (FL)

At Florida Motorcycle Insurance, we think that bikers shouldn’t pay outrageous monthly premiums. The best tactic to get the lowest price on motorcycle insurance in Pensacola, FL is to assess the rates made available from competing companies. Please be sure to key in your zip into the field above to begin searching for the right coverage

Florida Motorcycle Insurance Laws

Motorcycle liability insurance is compulsory in Pensacola, FL. Liability coverage pays and renders service on behalf of an insured for loss arising out of his responsibility, due to negligence, to others imposed by law or assumed by contract. Your liability coverage must meet or surpass certain minimum caps for personal injury to others and losses to 3rd party property.

  • For Injury to a Single Party: $10,000
  • For Injuries to Two or More Individuals: $20,000
  • For Property Damage: $10,000

If minimizing costs is your only goal, merely insuring yourself up to these levels will work. However, bear in mind: liability insurance only helps if you are liable in the crash. Let’s suppose you are struck by a motorist who has insufficient or zero coverage? To protect yourself, you need Uninsured Motorist (UM/UIM) coverage. To protect your motorcycle itself, you need full coverage or comprehensive motorcycle insurance.