Insurance is not required in the state of Florida to register motorcycles, but if a motorcycle operator is charged in a crash with injuries it could make the situation much more complicated than it needs to be.

If an operator is charged in a crash, the owner is financially responsible for bodily injuries and property damage for the other party(s). If no liability coverage was in effect, then bodily injury/property damage liability insurance must be purchased and kept for three years to avoid license and tag/registration suspension, or to reinstate license and tag/registration after suspension.

Don’t forget that riding without a helmet requires an additional insurance policy of at least $10,000 in medical benefits for injuries incurred as a result of a crash that occurred while operating or riding on a motorcycle.

DISCLAIMER: For additional laws, requirements and up to date detailed information please visit the Florida Department of Motor Vehicles. does not represent the Florida Department of Motor Vehicles and does not take any type of legal stance on the issues discussed on this site.