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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.

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What Our Customers Say

Joe is always friendly, prompt, and gets me the best rates. He has helped me for home and auto!

Kelly Roy

22:14 15 Apr 24

My Agent, Joe was great. He tried to help me get the best price that he could. He cares about his clients. He even did a follow up to make sure I didn't have any problems and he will answer any questions you may have

cobra13

14:51 31 Mar 24

Prompt and courteous associate. Reasonable quoted online with follow-up individualized meeting scheduled over the phone to customize the best policy for my unique needs. MARCH 2024 - Just added auto insurance to homeowners policy. Same coverage $600 lower cost. Huge WIN!

Nathan Guteras

22:42 29 Mar 24

Joe is the most knowledgeable agent I’ve ever encountered! Always looking out for his customers!

Bobby Schudler

17:23 29 Mar 24

Thanks to Jennifer Rubio for helping me getting a great insurance policy cover for my family. She's the best.

Cristopher Ramirez

15:21 29 Mar 24

Lydia Bobek, has great people skills, professional, knowledgeable and is very pleasant to work with. She followed-up as promised. Fearnow Insurance now has a new client. Thank you very much.

Michael Cliggitt

14:01 29 Mar 24

Jennifer, has been an amazing agent. She’s very knowledgeable, patient when we had many questions and super nice. Thank you for great customer service as it is very important to us.

Scarlene Guilamo

08:33 29 Mar 24

Shane has been exceptionally helpful, always responded promptly, was very patient and treated us as a top priority! We were in an very unexpected situation where our college age daughter's car died on the interstate. The repairs were not feasible for the older model car, so we started a frantic hunt for another vehicle. Not only is the used car market currently abysmal, we needed to figure out how much her insurance would be increasing before making a final decision. Shane was our go to expert, checking over 10 different VIN #s for us to confirm the cost of insurance increases! He was also helpful in getting the original policy updated with the newer car info & financing requirements very quickly. Shane has outstanding communication & customer service skills! Thank you so much Shane!

Kathleen Pankoe

20:48 26 Mar 24

The professionalism is exceptional fear now is such a great company.. Will continue to do business with this company..Was such a pleasure to workWith Joseph Boyle, He makes the process go smooth and easy. Thanks Joseph for providing exceptional service.

Lakeisha Burkes

13:35 22 Mar 24

Joseph has been awesome to work with in obtaining property insurance after already having my auto insured for a few years. I'm a licensed agent so I appreciated his efficiency, professional advice and how quickly he got everything done for me. 100% recommend and I'll be sending him more referrals!

Holly Walton

22:08 21 Mar 24

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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.

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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

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Currency: USD

Motorcycle Insurance