Motorcycle Insurance in Florida | Progressive, GEICO & Foremost Quotes

Motorcycle Insurance in Florida

Whether you’re cruising A1A, winding through the Everglades, or riding up U.S. 1 toward the Space Coast, Florida’s open roads were made for motorcycles. But along with freedom comes responsibility — and in Florida, protecting yourself, your passengers, and your bike from the unexpected is essential.

At Barefoot Insurance Brokers, we offer motorcycle insurance through top carriers like Progressive, GEICO, and Foremost, giving you the flexibility to compare coverage options and take advantage of multi-policy discounts when you bundle with your auto or home insurance.

Why Motorcycle Insurance Matters in Florida

Florida doesn’t require every motorcycle rider to carry personal injury protection (PIP), but that doesn’t mean you’re fully protected without it. Between distracted drivers, unpredictable weather, and the state’s high traffic density, riders face unique risks every time they hit the road.

A comprehensive motorcycle insurance policy helps protect against:

  • Collision damage from accidents
  • Bodily injury and property damage liability if you injure someone or damage their vehicle
  • Medical payments coverage for you and your passengers
  • Uninsured/Underinsured motorist coverage when the other driver lacks insurance
  • Comprehensive coverage for theft, vandalism, or storm damage
  • Custom parts and equipment coverage for accessories, chrome, paint, and upgrades

Even careful riders can experience losses from situations beyond their control — such as flooding, lightning, or a fallen branch — all of which are common in Florida’s unpredictable climate.

Partnering with Top Motorcycle Carriers

Barefoot Insurance Brokers works with multiple national insurers that specialize in motorcycle protection:

  • Progressive Insurance — Known for flexible coverage and affordable rates. Progressive offers accessory coverage, roadside assistance, and replacement cost protection for newer bikes.
  • GEICO Insurance — Ideal for riders looking to bundle auto and motorcycle insurance. GEICO provides strong discounts for safety courses, anti-lock brakes, and multi-bike households.
  • Foremost Insurance — Offers coverage for a wide range of motorcycle types, including touring bikes, cruisers, sport bikes, and trikes. Foremost is known for accommodating older or custom motorcycles.

Because we’re independent, we can compare all three — plus several regional and specialty markets — to find the most competitive combination of price, protection, and perks.

Bundling Benefits for Florida Riders

One of the easiest ways to save on insurance is by bundling your auto and motorcycle policies. Most of our carriers offer multi-policy discounts that can significantly lower your total premiums.

By keeping your policies under one roof with Barefoot Insurance Brokers, you can:

  • Simplify your billing and renewals
  • Earn multi-vehicle and multi-policy discounts
  • Gain consistent liability limits across all vehicles
  • Enjoy priority claims handling through established carrier relationships

If you already carry home, renter’s, or umbrella insurance with us, ask about bundling options that can reduce your overall insurance costs without compromising coverage.

Coverage Options for All Types of Riders

Florida riders come in all styles — from weekend cruisers to year-round commuters. We can tailor coverage for every type of motorcycle and riding lifestyle:

  • Cruisers & Touring Bikes — Protect large, valuable bikes with comprehensive and accessory coverage.
  • Sport Bikes & Performance Models — Ensure you’re covered for high-value parts and higher-risk riding profiles.
  • Dirt Bikes & Off-Road Vehicles — Even if they aren’t street legal, they can be covered against theft and damage.
  • Scooters & Mopeds — Inexpensive to insure, especially for students or short-distance commuters.
  • Custom or Classic Motorcycles — Agreed-value coverage ensures you receive your bike’s true value after a total loss.

Understanding Florida’s Motorcycle Insurance Requirements

While Florida doesn’t mandate bodily injury liability coverage for motorcycles, carrying it is strongly recommended. Riders found at fault in an accident may be personally responsible for injuries and property damage. Without coverage, you could face license suspension, financial penalties, and lawsuits.

At minimum, Barefoot Insurance Brokers recommends:

  • $25,000 bodily injury per person / $50,000 per accident
  • $10,000 property damage liability
  • Uninsured/Underinsured Motorist Coverage equal to your liability limits

Many riders also choose medical payments and comprehensive coverage for full protection, especially if their bike is financed or stored outdoors.

Protect Your Gear and Passengers

A good policy protects more than just the bike. With optional add-ons, you can insure:

  • Riding gear such as helmets, jackets, and gloves
  • Sidecars and trailers
  • Custom parts and modifications
  • Passenger medical coverage for two-up riding

Our agents help you tailor a plan that matches your habits and budget — whether you ride daily, seasonally, or occasionally for leisure.

Why Florida Riders Choose Barefoot Insurance Brokers

Barefoot Insurance Brokers is a local, independent Florida agency serving riders from Broward to Brevard County and beyond. We understand the unique risks that come with riding in Florida’s fast-changing conditions — from sudden rainstorms to sand-slicked roads.

Our team compares motorcycle quotes from Progressive, GEICO, Foremost, and other trusted insurers, ensuring you get the right balance of coverage and cost. Whether you’re insuring one bike or a whole collection, we’ll guide you through every step — from quoting to claims.

Get a Florida Motorcycle Insurance Quote Today

Before your next ride, make sure you and your bike are protected. Let our experienced agents compare multiple carriers and uncover discounts you might not know you qualify for.

📞 Call Barefoot Insurance Brokers at 954-368-0060 for your personalized motorcycle insurance quote today, or email one of our licensed Florida agents:

Barefoot Insurance Brokers — your local partner for motorcycle protection and Florida lifestyle peace of mind.