Motorcycle Insurance Miami Beach (FL)

Riding without insurance is never a good idea. Unfortunately, the rates can be pretty high, even if you have a good driving record. With that being said, riders should never have to experience excessively high monthly premiums. To find the cheapest possible rates, you’ll want to evaluate the insurance coverage available from top insurance providers. Don’t hesitate to type in your zipcode into the field above to begin researching rates and policies.

Minimum Motorcycle Insurance

Florida dictates the minimum motorcycle insurance required. Liability insurance reimburses other motorists for injuries or property damage resulting from an accident. Your liability insurance will need to meet or surpass specific minimum thresholds for personal harm to others and damages to third party property.

• $10,000: Liability Coverage for Personal Injury to a Single Individual in an Accident
• $20,000: Liability Coverage for Personal Injury of All People in an Accident
• $10,000: Liability Coverage for Damage to Property
• $30,000: Single Limit Liability Coverage

Trying to figure out what amount of coverage to buy? Yes, only carrying $10,000/$20,000/$10,000 of FL motorcycle insurance is the lowest priced option. On the other hand, less coverage results in higher risks that your insurance payout will not cover your total healthcare fees in the event you injure or get injured by another motorist. Bear in mind that the cost of health care and personal property often goes up much faster than legislation gets changed.

The Cheapest Motorcycle Insurance in Miami Beach

Premiums can be quite high, especially if you have a sportbike or Harley-Davidson. You have a couple of options.

First of all, you will want to look at the type of motorcycle you ride. Often, the costliest bikes to insure are sport bikes. Even if you are a seasoned rider, you might consider a safety course through the Motorcycle Safety Foundation. These courses typically are good for a a discount of up to 20%. If you rarely ride during winter, look at a lay up policy, in which coverage is reduced for several months of the year.

Needless to say, this is most popular in northern and western states.

Miami Beach Motorcycle Insurance Rates

Without allowing for a number of factors, it’s tricky to estimate the cost of coverage. Some basic information on you and your machine makes it much easier approximate the rates you’ll have to pay. The good news is, we work with almost all of the top insurance companies that cover bikes in Miami Beach, who can provide you with rates and quotes on the web.

When you enter your zip code, you’ll be shown a list of respected motorcycle insurance carriers in your area. Then you can begin going over rates and policies from the insurance carriers you select.

Sportbike Coverage in Miami Beach

Sport bikes are popular in Miami Beach. Sadly, they are the least affordable class of motorcycles to keep insured. That’s because, according to crash statistics, they’re more dangerous than other bikes. Your driving record has a tremendous influence on the cost of your policy. Basically, heightened insurance premiums have to be expected. Many sport riders fail to get collision or comprehensive coverage, in an effort to reduce costs. This could lead to trouble, as damaging the fairings of these bikes can cost hundreds to repair.

Scooter Coverage in Miami Beach

Scooters should be insured, just like bikes. Simple liability coverage is usually very economical. If you’re involved in an accident, however, it could save you a king’s ransom. You’ll want to ask your agent for more information.

ATV and Dirt Bike Coverage

Off-road riding is one of the great things about living in Florida. However, bear this in mind: Quite often, if you’re riding on public property, a liability policy is obligatory. Thankfully, one of these policies is normally reasonable.