Florida has more than 20.2 million residents and much of the state experiences a tropical climate year-round, making it a great place for motorcycle owners. To see who in Florida had the lowest motorcycle insurance rates, we compared quotes from five major carriers for a 45-year-old male rider. The policy quoted included bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage.
Our study showed the most expensive insurer cost more than 2x the cost of the cheapest in Florida. Cheapest Motorcycle Insurance In Florida Out of the five companies we gathered quotes for, GEICO had the best motorcycle insurance rates. The company's average quote for our 45 year old rider's policy was $374, which was 45% more affordable than the average quote among the five companies. Progressive, Esurance and Markel had average quotes for the sample policy and rider of $658, $689 and $750, respectively.
The motorcycle insurance company with the most expensive quotes was Dairyland. The company's average rate quoted of $940 was more than 2.5x GEICO's average rate for the Florida rider we evaluated. *The Average Annual Rate is rounded to the nearest whole dollar amount. Best Motorcycle Insurance Rates In Florida: By City The five places with the best motorcycle insurance quotes in Florida were primarily located on the Atlantic Coast and north of Miami-Dade County.
The only exception was Tallahassee, which is in the northern part of the state. The city with the most afforable motorcycle insurance in Florida was Deltona, where rates were 30.3% lower than the state average. Rank City Average Annual Rate Difference vs State Average 1 Deltona $480 -30.3% 2 Palm Coast 482 -30.1% 3 Port St. Lucie 484 -29.8% 4 Tallahassee 495 -28.2% 5 Daytona Beach 496 -28.1% *The Average Annual Rate is rounded to the nearest whole dollar amount.
Deltona, FL The city with the best motorcycle insurance rates in Florida was Deltona. Located just north of Lake Monroe, north of Orlando, Deltona has more than 85,000 residents. It is primarily a commuter town for those who work in Orlando. English is the first language of the majority of the city, but more than 15% of residents consider Spanish their first language. Riders will be happy to learn that Deltona has the cheapest motorcycle insurance in the state of Florida.
Motorcycle insurance quotes were 30.3% lower than the state average. Palm Coast, FL Palm Coast is a city of more than 75,000 residents on the Atlantic coastline of Florida - 30 miles north of Daytona Beach. The population has grown significantly over the last 25 years. The city had fewer than 15,000 residents in the 1990 U.S. Census. Palm Coast has a dozen beautiful parks and more than 125 miles of connecting trails.
Like virtually every other Florida city, motorcycle riders in Palm Coast enjoy the year-round riding weather. Premiums for our sample policy were 30.1% lower there than that state average for our example rider, which placed Palm Cost with the second lowest rates in Florida. Port St. Lucie, FL Just north of Palm Coast is Port St. Lucie, a city with more than 164,000 residents and the heart of a metropolitan statistical area with more than 463,000.
It was largely uninhabited through the 1950s but is now a popular vacation destination, as well a home to many people. It has top-rated golf courses and offers many outdoor activities. It also has some of the least expensive motorcycle insurance in Florida out of the cities we surveyed. Premiums quoted in our study were 29.8% lower than the state average. Tallahassee, FL The capital of Florida ranks with the fourth most affordable motorcycle insurance rates in Florida out of the more than 30 locations we analyzed.
Tallahassee has more than 181,000 residents and is located in what is known as the “Big Bend” region of northwest Florida. Unlike most of Florida, Tallahassee experiences all four seasons. However, the weather is suitable for motorcycle the majority of the year and rates for motorcycle insurance are some of the cheapest in the state. Our study found rates in Tallahassee were 28.3% lower for our rider than his state average.
Daytona Beach, FL Known for its white sandy beaches and racetrack, Daytona Beach is a city of 61,000 that attracts hundreds of thousands of visitors each year. The Daytona International Speedway is a historic NASCAR track and the stock car auto racing association is headquartered in the city. For those who like motorcycles, they’ll be happy to find out insuring them in Daytona Beach is more affordable than most places in Florida.
Quotes gathered in our study were 28.1% less than the state average. Most Expensive Motorcycle Insurance In Florida The five cities with the most expensive motorcycle insurance rates were all located in southern Florida, near the Miami-Ft. Lauderdale area. The place with the least affordable premiums was Hialeah, where quotes for our sample policy were 48.4% higher than the state average. Rank City Average Annual Rate Difference vs State Average 1 Hialeah $1,022 48.
4% 2 Miami Gardens 1,016 47.5% 3 Miramar 963 39.7% 4 Miami 956 38.7% 5 Weston 937 36.0% *The Average Annual Rate is rounded to the nearest whole dollar amount. Hialeah, FL The city with the most expensive motorcycle insurance policies in Florida is Hialeah. The Miami-Dade County city has about 225,000 residents and is right next to Miami. The Hialeah Park Racetrack is a famed track for its architecture and the horses who have raced there.
Unfortunately, motorcycle insurance rates in Hialeah were the highest of any city in our study. Motorcycle insurance premiums quoted were 48.4% higher than the state average. Miami Gardens, FL In north-central Miami-Dade County is the city of Miami Gardens, which has a population of more than 109,000 residents. Property crimes have decreased over the last several years there and it is still home to Sun Life Stadium where the Miami Dolphins play.
It also has some of the most expensive motorcycle insurance in the state. Costs in Miami Gardens were 47.5% higher that the Florida average for our sample policy and rider. Miramar, FL The city of Miramar is just west of Hollywood, Florida and has more than 122,000 residents. It was founded as a bedroom community between Miami and Ft. Lauderdale in the 1950s and has grown significantly since then.
Amongst other things, the city is known for a number public artworks. Perhaps less known, is the cost of motorcycle insurance in Miramar. Our study found motorcycle insurance rates were 39.7% higher than the state average. Miami, FL The city known for its nightlife and beautiful beaches is a popular vacation spot. It has a thriving downtown and is one of the wealthiest cities in the world, too. Miami also is known for its tropical climate, which makes for great motorcycle weather.
However, motorcycle insurance rates are some of the highest in Florida. Premiums for our sample policy in Miami ranked as the fourth costliest in our study, and were 38.7% higher than the state benchmark. Weston, FL Weston is next to the Everglades Wildlife Management Area in Broward County. It’s a suburban area with more than 65,000 residents and is considered one of the most desirable places to live in the Miami–Fort Lauderdale–Pompano Beach Metropolitan Statistical Area.
It also has some of the most expensive motorcycle insurance rates in the state of Florida. Quotes gathered for our study were 36% higher in Weston than the state average. Average Motorcycle Insurance Rates In Florida: By City We conducted this comparative study of motorcycle insurance premiums in Florida by gathering and analyzing quotes from five major carriers across 35 cities. Our analysis showed premiums quoted for the most expensive place were more than 2x the cost of the cheapest.
*The Average Annual Rate is rounded to the nearest whole dollar amount. Study Methodology Our study analyzed motorcycle insurance quotes for a sample policy and rider across 35 municipalities and census-designated places in the state of Florida. The quotes we gathered were from five major carriers - Progressive, Nationwide, Esurance, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course.
He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed. Rank City Average Annual Rate Difference vs State Average 12 Boca Raton $544 -21.
0% 10 Boynton Beach 534 -22.4% 8 Cape Coral 499 -27.6% 13 Clearwater 545 -20.9% 25 Coral Springs 865 25.6% 21 Davie 689 0.1% 5 Daytona Beach 496 -28.1% 27 Deerfield Beach 877 27.3% 1 Deltona 480 -30.3% Florida Average 689 0.0% 9 Fort Myers 499 -27.6% 7 Gainesville 498 -27.8% 35 Hialeah 1,022 48.4% 29 Hollywood 926 34.3% 20 Jacksonville 631 -8.4% 6 Lakeland 496 -28.0% 16 Largo 553 -19.
8% 28 Lauderhill 883 28.2% 15 Melbourne 550 -20.1% 32 Miami 956 38.7% 30 Miami Beach 926 34.3% 34 Miami Gardens 1,016 47.5% 33 Miramar 963 39.7% 19 Orlando 623 -9.6% 11 Palm Bay 543 -21.1% 2 Palm Coast 482 -30.1% 24 Pembroke Pines 848 23.0% 23 Plantation 848 23.0% 26 Pompano Beach 868 25.9% 3 Port St. Lucie 484 -29.8% 14 St. Petersburg 545 -20.9% 22 Sunrise 838 21.6% 4 Tallahassee 495 -28.
2% 18 Tampa 598 -13.2% 17 West Palm Beach 571 -17.1% 31 Weston 937 36.0% *The Average Annual Rate is rounded to the nearest whole dollar amount.See Also: Harley Davidson Motorcycle Accessories
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On top of basic coverages, we offer many other helpful options for motorcycle coverage in Florida, such as: New motorcycle protection We'll pay the MSRP on an equivalent replacement bike if your new motorcycle is ever totaled. Trip interruption coverage Breaking down on a long road trip can leave you feeling a bit helpless. With trip interruption coverage providing up to $500 per incident, we'll help you out with: $100 for lodging $50 for alternate transportation $50 for food And that's per day until your bike is fixed.
Collision coverage Esurance motorcycle collision coverage helps repair or replace your vehicle, riding leathers, and other apparel (up to $500 per helmet) if you run into a car or other object. Comprehensive coverage Comprehensive protects your bike from risks like vandalism, theft, or wind damage. Towing and labor coverage We'll cover up to $100 if you need a tow to the nearest qualified repair facility.
Coverage that lets you (and your accessories) stand out Half the fun of owning a motorcycle is making it your own. And with Esurance motorcycle insurance in Florida, you get an automatic $3,000 in coverage (when you purchase comprehensive and collision coverage) for custom parts and accessories such as modified engines, riding apparel, saddlebags, and more.