--- description: Florida motorcycle riders often wonder if they need to purchase motorcycle insurance. The answer is: it depends on your situation. title: Do You Need Motorcycle Insurance in Florida? - Fran Haasch Law Group canonical: https://www.lawfran.com/blog/2022/02/do-you-need-motorcycle-insurance-in-florida/ date_published: 2022-02-12T22:12:00+00:00 date_modified: 2025-07-31T16:35:54+00:00 practice_area: blog --- - Do You Need Motorcycle Insurance in Florida? - Fran Haasch Law Group # Do You Need Motorcycle Insurance in Florida? February 12, 2022 - Attorney, Fran Haasch ## **Do You Need a Motorcycle License in Florida?** If you are thinking about getting a motorcycle in Florida, you may be wondering if you need a motorcycle license to ride. The motorcycle accident attorneys at [The Fran Haasch Law Group](https://www.lawfran.com/motorcycle-accident-lawyers/) got you covered. Although it is possible to get a motorcycle without any experience or knowledge of how they work, there are many things that you will need to know. For example, motorcycles operate differently than cars do when turning and braking. This means if you’re not familiar with them, it could be dangerous for yourself and others on the road with you. ![Motorcycle parked on the road in florida. motorcycle insurance in florida concept](https://www.lawfran.com/wp-content/uploads/2022/04/iStock-1457093031-1024x683.webp) ## **Can You Ride a Motorcycle Without a License in Florida?** In Florida, you cannot ride a motorcycle [without a license](https://www.lawfran.com/blog/2022/03/riding-a-motorcycle-without-a-license-in-florida/). In addition, you must have a valid motorcycle license or endorsement on your current driver’s license to ride any bike with an engine over 50cc. If you are riding without the proper documentation, law enforcement may issue citations or even arrest you for operating the vehicle illegally. If found guilty of driving without having proper documentation on hand while riding your motorcycle, the penalties can range from a fine of $500 to a maximum of 60 days in jail. ## **Can I Get a Motorcycle License Without a Car License?** You can get a Florida motorcycle-only license instead of a car license. However, suppose you do not have an existing driver’s license or learner’s permit. In that case, you will need to take the written knowledge test and road skills test at your local DMV office before obtaining a motorcycle driver’s license. ## **Motorcycle-Only License Requirements** To get a motorcycle-only license, you must be at least 16 years old and have held a Learners Permit for at least a year with no traffic convictions. If you are 18 and over, you are not required to have held a learner’s permit. However, you do have to pass the standard [class E](https://www.lawfran.com/blog/2022/04/class-e-motorcycle-license-requirements/) license test. To get your license, follow these steps: - If you are under 18 years old, your parent or guardian will need to[sign off](https://www.flhsmv.gov/pdf/forms/71142.pdf) on your application. - Complete the[Traffic Law and Substance Abuse Education (TLSAE) course](https://www.idrivesafely.com/info/drivers-ed/florida/permit-test/?COUPON=PGTFL3295&utm_source=google&utm_medium=cpc&utm_campaign=1724302539&ag=67963897099&utm_term=%2Btraffic%20%2Blaw%20%2Band%20%2Bsubstance%20%2Babuse%20%2Bcourse&nw=g&dv=c&lp=9001934&li=21142&gclid=CjwKCAiA6aSABhApEiwA6Cbm_1gxrN7BJ7UgcL-hltL9E-G6-8MutZyPMVPADPbLzWR7nLOiCqsyiRoCBDgQAvD_BwE). - Pass a basic rider course (BRC) through the[Florida Rider Training Program.](https://www.flhsmv.gov/driver-licenses-id-cards/motorcycle-rider-education-endorsements/florida-rider-training-program-courses/) - Present documents to prove your identity verify your social security number and current address. - Pass an eye and ear exam at the licensing site. ## **Motorcycle Endorsements Requirements** Follow the steps below to obtain a motorcycle endorsement on your Florida Driver’s license. ### **Make Sure Your Current Driver’s License Is Valid** To get a motorcycle license in Florida, you must have a valid driver’s license or learner’s permit. If your current driver’s license is not from Florida, you will need to take the written knowledge test and road skills test at a local DMV office. ### **Take an Approved Motorcycle Skills Course** Florida law requires anyone seeking a motorcycle license or endorsement to take a motorcycle safety course with a curriculum developed by the Motorcycle Safety Foundation ([MSF](https://www.msf-usa.org/)). Before taking a course, make sure it is an approved training program. You can find a list of these on the Florida Department of Highway Safety and Motor Vehicles ([DHSMV](https://www.flhsmv.gov/motor-vehicles-tags-titles/license-plates-registration/)) website. After completing an approved motorcycle safety course, you can take the motorcycle skills test. This is a practical exam where you will be required to demonstrate your ability to ride a motorcycle safely. You must pass this test in order to obtain your Florida motorcycle license. ### **Submit Documentation and Fees** Once you have passed your written knowledge test and skills test, you will need to gather the required paperwork. This includes your BRC or BRCu course completion card dated within the last calendar year, a current driver’s license, an endorsement fee ($7), and a license renewal fee ($48). Take all this documentation to the nearest driver’s license office, and they will issue you a Florida motorcycle endorsement. ## **Need a Motorcycle Accident Lawyer?** Consider contacting an accident lawyer if you were injured in a motorcycle accident. You may be entitled to compensation for your damages. The motorcycle accident lawyers at the Fran Haasch Law Group have committed to protecting motorcycle rider rights. We have years of experience helping riders get the compensation they deserve. Share the Post: ## Related Posts #### [Why Is Pinellas County Becoming More Dangerous For Bicycles?](https://www.lawfran.com/blog/2026/02/why-is-pinellas-county-becoming-more-dangerous-for-bicycles/) Why Is Pinellas County Becoming a Dangerous Place For Bicycles? Pinellas County, known for its beautiful beaches, scenic trails, and [Read More](https://www.lawfran.com/blog/2026/02/why-is-pinellas-county-becoming-more-dangerous-for-bicycles/) #### [Riding a Bicycle In the Rain](https://www.lawfran.com/blog/2026/02/riding-a-bicycle-in-the-rain/) How Do I Stay Safe and Healthy When Riding a Bike In the Rain? Riding a bicycle is a versatile [Read More](https://www.lawfran.com/blog/2026/02/riding-a-bicycle-in-the-rain/) #### [Tips for Commuting To Work By Bicycle](https://www.lawfran.com/blog/2026/02/tips-for-commuting-to-work-by-bicycle/) How Do I Stay Safe When Commuting To Work By Bicycle in Florida? Commuting to work by bicycle offers numerous [Read More](https://www.lawfran.com/blog/2026/02/tips-for-commuting-to-work-by-bicycle/) ## Contact Us Today [(727) 784-8191](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. X/TwitterThis field is for validation purposes and should be left unchanged.Name(Required) First Last Email Phone(Required)Are You a New Client?Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither.Case Details(Required)Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. 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