Motorcycle insurance helps protect your ride on the open road.

No matter where your journey takes you—hit the road with the peace of mind of motorcycle insurance.

If you own a motorcycle, you need insurance to protect your bike while it’s on the road or in storage. Motorcycle insurance helps protect motorists against a variety of risks and damages, including accidents, theft, and more. At NSI Insurance, our experienced agents will work with you to find an affordable bike insurance policy that is tailored your specific needs. Contact us today for a quote. 

  What Does Motorcycle Insurance Cover? 

Motorcycle insurance protects you, your motorcycle, and other motorists against a variety of common risks. This type of insurance can cover a wide range of vehicle types, including cruisers, custom bikes, ATVs, sport bikes, dirt bikes, and scooters.  

Common coverages included in a motorcycle insurance policy include: 

• Collisions 
• Bodily injury 
• Theft 
• Vandalism 
• Personal injury 
• Property damage 
• Uninsured or underinsured motorists coverage 

Together, these coverages can help pay for damages such as repair or replacement costs, medical bills, and legal expenses when you are involved in a covered incident. 

  Optional Coverages 

Motorcycle owners may choose to purchase optional coverages for extra protection while on the road. Common optional coverages include: 

• Roadside Assistance: With roadside assistance, you’ll be covered if your bike breaks down while on the road. 
• OEM Endorsement: OEM endorsement coverage ensures that your bike will be repaired with original equipment manufacturer parts when available.  
• Accessories Coverage: Accessories or custom equipment coverage covers accessories and aftermarket parts. 

Motorcycle Insurance FAQs 

Still have questions? Here’s everything you need to know about motorcycle insurance in Florida: 

How much does it cost? 

Motorcycle insurance is generally very affordable, but costs can vary depending on several factors: 

• Location 
• Vehicle type 
• Riding experience 
• Accident history 
• Claims history 

Your insurance agent will work with you to find an affordable policy that meets your coverage needs. 

Is theft covered? 

Comprehensive coverage, which is typically included in motorcycle insurance policy packages, covers theft, vandalism, and several other incidents that may result in damages. This coverage is usually required by lenders when you finance your bike. 

Are there discounts for available? 

Yes, there are discounts available for motorcycle insurance that you may or may not be eligible for. Common discounts include: 

• Multi-policy discounts 
• Responsible driver discounts 
• Mature rider discounts 
• Safety course discounts 

Your insurance agent will help you determine what discounts you may be eligible for.