Protection for Every Ride

From coastal cruises to quick city trips, riding your motorcycle should feel free and exhilarating — not stressful. Motorcycle insurance helps protect you, your bike, and your finances against the unexpected, so you can enjoy every mile with confidence.

Why Motorcycle Insurance Matters

Stay Covered, Wherever the Road Takes You

Accidents, weather events, and theft can happen at any time. Motorcycle insurance offers crucial financial protection, covering everything from repairs and medical bills to liability claims. At St. Andrews Insurance, we help you build a policy that fits your lifestyle and riding habits perfectly.

A motorcycle is laying on the side of the road next to a car.

What Motorcycle Insurance Covers

Liability Coverage

Helps pay for injuries to others or damage to their property if you're at fault in an accident.

Collision Coverage

Covers repairs or replacement costs if your bike is damaged in a collision, regardless of who is at fault.

Comprehensive Coverage

Protects against non-collision incidents like theft, vandalism, fire, or weather-related damage.

Uninsured/Underinsured Motorist Coverage

Covers your expenses if you're hit by a driver who doesn’t have adequate insurance or in a hit-and-run situation.

Custom Parts & Equipment

Optional coverage for aftermarket upgrades, custom paint jobs, and added accessories.



  • Good to know: Your policy can be tailored to fit your exact riding style and bike setup — from daily commutes to weekend adventures.

Questions We Hear Most — With Answers

A person is riding a motorcycle down a mountain road.
A man is riding a motorcycle down a road at sunset.

  • What is motorcycle insurance?

    Motorcycle insurance provides financial protection against a variety of risks, including accidents, theft, and damage to your bike. It also includes liability coverage if you're responsible for someone else’s injuries or property damage.

  • How does motorcycle insurance work?

    You choose coverage types and limits based on your needs. After paying a premium, your insurer helps cover costs when a covered incident happens, minus your deductible. We’ll help you understand every detail so you can ride confidently.

  • Is motorcycle insurance required in Florida?

    While motorcycle insurance is not required for registration or operation, we highly recommend obtaining coverage to protect both your motorcycle and your personal financial well-being.

  • Does motorcycle insurance cover custom parts?

    Standard policies often exclude or limit coverage for custom parts. We can add optional coverage to protect your accessories, custom paint, and upgrades.

  • Can I bundle motorcycle insurance with other policies?

    Yes! Bundling with your home or auto insurance can help you save money and simplify your coverage. We’ll show you available discount options.

  • Why choose St. Andrews for motorcycle insurance?

    We know Florida riders face unique risks. Our team offers clear guidance, fast local service, and customized policies designed to keep you covered on every ride.

Local Help, Real Answers

Keep Your Ride Protected

At St. Andrews Insurance, we make motorcycle insurance clear and approachable. You’ll get one-on-one support, coverage built for your bike, and the peace of mind to focus on the road ahead.

A group of people are riding on the back of a red scooter.