Motorcycle Insurance for Jacksonville

Motorcyclists who are 21 years or older are not required under Florida law to purchase PIP (personal injury protection) or "No Fault" insurance. However, the state's Financial Responsibility Law does apply to all types of motorcycles operated on Florida roads. Even if you can satisfy the state's financial requirements, the voluntary purchase of liability insurance is highly recommended. If you are involved in a crash and cannot afford the out-of-pocket costs, you can be deemed as "not financially responsible". Consequently, you could face major monetary losses, civil court restitution, and/or loss of your license, tag and registration. In addition, the court may force you to purchase high risk insurance.

Whether your motorcycle is classified as high risk or your driving record is an issue, Shapiro Insurance Group can work with you to obtain motorcycle insurance coverage. For other bikers, we can eliminate the frustration of submitting dozens of forms when shopping for quotes online. Simply call our Jacksonville office directly for personal attention, or use this website's convenient contact form, and we will furnish you with a list of competitive motorcycle insurance rates from the most popular insurance carriers.

How to Avoid High Risk Motorcycle Insurance

Due to the speed and acceleration of today's sports bikes, they are the most expensive type of motorcycle to insure and are considered by most insurance carriers to be the most dangerous. In addition, sport bikes are stolen more frequently than most other types of bikes. If you live in Jacksonville and are under 25 years of age, you may want to consider purchasing another style of motorcycle especially in situations where the bike is going to be your only mode of transportation. In some cases, insurance companies will offer discounts to riders who have an accident-free driving record with no traffic violations as well as those who complete a certified motorcycle training program and can store their bike in an enclosed garage. If you believe a high-powered sportbike is your only choice, then accept the consequences and consult with an insurance professional to help you determine the most affordable options. 

Different types of motorcycles and bikes we insure:

  • Cruisers
  • Customized Motorcycles
  • Mopeds
  • Scooters
  • Dirt Bikes
  • Vintage & Antique Motorcycles
  • Sport & High-Performance Motorcycles


 Call Today. 800-563-5467

My husband and I recently moved to Florida from out of state. We'd both been with the same insurance company since before marriage, over 25 years each to date. Unfortunately, all aspects of the move (homeowners, auto, property, and a new construction) proved beyond difficult for our company, to the point we started looking for a new provider. Shapiro came highly recommended by a neighbor and we were not disappointed. Unlike other companies we investigated, Jessica Coop with Shapiro responded immediately. Without the promise of future business, she provided a quote for our new home that the bank required. We decided to take it a step further and met with her to discuss transferring our business. She was on a mission, searching for the best packages for all our individual needs, while ensuring she was keeping us at the protection and service level to which we'd become accustomed with the other company. She was very frank about each cost vs. benefit decision. She has continued to help us navigate our coverage throughout the construction process. We have never felt so secure with our insurance portfolio and are grateful for her expertise and professionalism!

— Julia L.

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