Quotes from 350+ Carriers:

Save up to 37% with Fearnow Insurance

Although having Motorcycle insurance isn’t required in Florida, it is better to have it and not need it, than not have it and need it. There are several options available for motorcycle coverage.

Standard Motorcycle Insurance Coverages

Bodily Injury & Property Damage Liability

This liability coverage pays for damages to other vehicles, property (like fences or signs), and the injuries sustained by other drivers/motorcyclists and their passengers. This coverage also includes the legal expenses if you’re sued.

Uninsured/Underinsured Motorist

Florida is one of the worst states when it comes to uninsured motorists, and if you are ever hit by one, you could end up paying for the damages to your motorcycle if you don’t have this coverage. Even if the other driver does have insurance, if they don’t have enough, you can still be out a large portion of repairs. With this coverage you won’t have to sweat the repair bill; plus the costs of your injuries or lost wages are also taken care of under this policy.

Bundle &
Save

Policy
Discounts

Protection You
Can Trust

What Our Customers Say

I had an excellent experience working with Joe Boyle on my auto and home insurance. He was knowledgeable, responsive, and made the entire process seamless and stress-free. I secured great coverage at a competitive rate, and his customer service was top-notch. Highly recommend!

Agustín Schuster

17:10 19 Feb 25

We are buying our first commercial property and Brian was AMAZING!!! He made sure we had all the proper coverages and answered all of our questions almost as soon as we sent them. I never dreamed setting up new insurance would be this easy. Brian is the BEST

Tracey Van Kleeck

19:59 05 Feb 25

I was searching for auto insurance that was reasonably priced with adequate coverage and found Fearnow Insurance on an internet search. Following only instincts I contacted them from the list and Lydia, the agent, answered the phone. She patiently handled all my questions and endured my gripes about a few carriers. Before we ended the call, Lydia and I were processing a new policy. She literally saved me thousands - thank you!

Judith Carney

17:34 03 Feb 25

Joseph was an amazing help with my insurance needs. He was able to find a new policy for my home and saved me quite a bit of money. He was very communicative and offered prompt service and helpful suggestions for additional savings.

Larri Rosenberg

03:15 30 Jan 25

Joe Boyle was a pleasure to work with. He goes out of his way to make sure he is giving you the best service. We enjoy having Joe as our insurance agent.

sabine ewonaitis

22:23 29 Jan 25

JB , Joseph Boyle is the best insurance agent. He is very knowledgeable of his product, very professional, patient and helpful . He will find you a house insurance with the coverage it needs with the most reasonable price. And he explains everything very clearly to you. I strongly recommend him for all types of insurance as he is an expertise , I was in love with the way he handled my rental house policy renewal and his constant communication with me. Thank you so much JB I greatly appreciate your big help.

Iris Rodriguez

21:29 23 Jan 25

Lydia Bobek was a life saver. Our policy time was ending and our daughter now has her driver's permit so our previous insurance company raised our rate higher than we expected. She was patient and explored all options to come up with one that works for us. Thanks again Lydia!

Melanie Wolfe

08:56 23 Jan 25

Lydia provided highly efficient, specialized service. We experienced prompt response time and follow up. Highly recommend.

Carlen Hagenkotter

19:53 22 Nov 24

Lydia was very pleasant to work with, as she was very knowledgeable and extremely helpful. Kudos!

Robert Sullivan

18:24 19 Nov 24

Lydia Bobek was extremely helpful in finding us insurance for our 2 vehicles that was cheaper than what we were paying. The transition was nice and easy!

Susan Venning

18:20 12 Nov 24

‹

›

The Fearnow Agency Advantage

We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
We can save you up to 37% in insurance cost, or get better coverage for the same cost.
We always provide full disclosure of plan inclusions and exclusions.
We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
Our agents are continuously training, so they stay the leading experts in their field.

Comprehensive & Collision

If you are in an accident, this coverage will help cover the costs of the repair (or replacement) – all you have to pay is the deductible you have selected. This covers damages from an accident, collision with an animal, or other damage not from a collision (e.g. fire, theft, falling object, etc.).

Medical Payments

Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. You can pick a range of coverage limits. This is similar to Personal Injury Protection coverage for vehicle motorist.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Extra Coverages You Can Add

Accessories and Custom Parts/Equipment

It is common for motorcyclist to customize their bikes with after-market parts. This type of coverage is offered by some carriers as part of the collision and comprehensive coverage, but additional coverage levels can be purchased if you need a higher coverage limit. Coverage includes upgrades, customizations, equipment, and accessories such as helmets, gloves, and leathers.

Small Accident Forgiveness

Many Motorcycle insurance carriers won’t increase your premium because of a claim that costs $500 or less.

Large Accident Forgiveness

Many Motorcycle insurance carriers won’t increase your premium after your first accident – although some may have individual requirements before providing this coverage.

F.A.Q.

How to Add a Motorcycle Endorsement to Your Florida Driver’s License

What are My Motorcycle Insurance Requirements in Florida?

Tips For Before Taking Your First Ride

Total Loss Coverage for A Brand-New Bike

This coverage is great if you purchased your bike new. In the event that your bike is totaled, you are paid the full manufacturer’s suggested retail price for a brand-new bike, minus the deductible on your policy.

Roadside Assistance

Under this coverage, tow expenses are nothing to worry about. In the event you get stuck or your bike is disabled, your bike can be towed to the nearest repair shop for free. Some carriers may allow additional add-ons such as trip interruption. This add-on helps you pay for food and lodging expenses up to $500 if you’re away from home when the breakdown occurs. Typically, you must have roadside assistance first and then add trip interruption, if available by the carrier of your choice.

Carried Contents and Personal Belongings

Sometimes you have more than just your helmet and riding gear when on your bike. Carried Contents coverage protects just about all of your personal belongings from damage, theft, or from being lost. This can include your cell phone, backpack, laptop, or just about any of your other personal property that could fall off your bike.

Enhanced Injury Protection

This is additional coverage to Medical Payments coverage. Under Enhanced Injury Protection, if you are injured and can’t work, a financial benefit is paid for an allotted period of time.

Motorcycle Insurance Quotes | Fast & Easy Quote | Trusted for 30 Years

Motorcycle Insurance Quote from Fearnow Insurance. Quality Motorcycle protection that saves you money. 30 Years of serving Tampa, Brandon, Seffner area

Service Type: Motorcycle Insurance

Price: $$

Currency: USD

Motorcycle Insurance