State Farm is telling me that my 2014 Spyder will cost close to $1000 a year half of which is uninsured motorist. I am 67 so this may be part of issue. No claims or accidents. I would appreciate comments from other Florida riders if you are paying what I consider high rates. I also realize we are paying for riding all year versus partial year like up north.
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Florida motorcycle insurance rates
- Thread starter RDM
- Start date
SpyderTwyn
New member
I have Geico because I was in a hurry when We got my byke and they were the only one open I could think of. Mine is about $550 for the year (I have a fresh speeding ticket not related to the :ani29
.
I got some quotes from companies from the dealer, but they are in the $700 range, so I'll just keep geico for now. I'd rather ryde than insurance shop anyway. :spyder:
.I got some quotes from companies from the dealer, but they are in the $700 range, so I'll just keep geico for now. I'd rather ryde than insurance shop anyway. :spyder:
Bob Denman
New member
It's virtually impossible to ask this question in an open forum, and get a useful response... :banghead:
The rates for a person are based upon so much personal information, that you really can't compare your rate to anybody's else; in a specific manner. nojoke
Find yourself an Independent Agent who also rides motorcycles. They'll know the market, and have the best options available for you!
Good luck, and Happy hunting! :thumbup:
The rates for a person are based upon so much personal information, that you really can't compare your rate to anybody's else; in a specific manner. nojoke
Find yourself an Independent Agent who also rides motorcycles. They'll know the market, and have the best options available for you!
Good luck, and Happy hunting! :thumbup:
ARtraveler
R.I.P. Dwayne
Rates vary by state. FL has high rates because of the aging population.
I use State Farm and have home, auto, and two spyders stacked. Mine are between 500 and 600 per year for full coverage.
I use State Farm and have home, auto, and two spyders stacked. Mine are between 500 and 600 per year for full coverage.
SteveP
New member
More up here
In Ontario the rates are fairly high compared to down there . I pay 1200 yearly with 1000 deductible for a fire claim on my 08 GS with a clear abstract . I talked to another gentleman in my area who has been riding motorcycles for 40 years and a Spyder since 2009 with a clear record , and he is paying the same for a 2013 RT. We only get about 6 or 7 months of Ryding weather here as well generally . I'm sure some pay less and some more . What you are covered for is also important
In Ontario the rates are fairly high compared to down there . I pay 1200 yearly with 1000 deductible for a fire claim on my 08 GS with a clear abstract . I talked to another gentleman in my area who has been riding motorcycles for 40 years and a Spyder since 2009 with a clear record , and he is paying the same for a 2013 RT. We only get about 6 or 7 months of Ryding weather here as well generally . I'm sure some pay less and some more . What you are covered for is also important
CJ/johnnyg
New member
We have state farm also. I haven't got the bill for the new F3 yet. but Johns ST 2013 is about $325 a year, but we also have stackable.
MouthPiece
Banged Up Member
72 years old. Speeding ticket within the past 10 years = 1
Geico through AAA. Since 2013.
General Coverage:
Transport trailer physical property damage. $80.00
2013 RT-S :
Liability to others:
Bodily Injury Liability: $250,000 each person,
$500,000 each accident
$52.00
Property Damage Liability $100,000 each accident. $27.00
Comprehensive: $125.00
Collision: $125.00
Roadside Assistance:
with trip interruption ($500.00 each occurrence). $ 15.00
Total Premiums: Can Am 2013: $403.00
Total 12 month policy premiums: $483.00
Discount to pay in full: $41.00
Total 12 month policy premium if paid in full: $442.00
Geico through AAA. Since 2013.
General Coverage:
Transport trailer physical property damage. $80.00
2013 RT-S :
Liability to others:
Bodily Injury Liability: $250,000 each person,
$500,000 each accident
$52.00
Property Damage Liability $100,000 each accident. $27.00
Comprehensive: $125.00
Collision: $125.00
Roadside Assistance:
with trip interruption ($500.00 each occurrence). $ 15.00
Total Premiums: Can Am 2013: $403.00
Total 12 month policy premiums: $483.00
Discount to pay in full: $41.00
Total 12 month policy premium if paid in full: $442.00
Last edited:
Bobleach45
New member
FL Insurance
I have Allstate for cars and Spyder. I have my uninsured motorist on the cars stacked and that keeps the price of the coverage on the Spyder in line. I have higher than normal limits for liability also. Less than $400 per year. That is in Deland, FL. Other areas may be more expensive because of the accident rates but we are a part of the Orlando area so it seems really reasonable compared to others. My cars combined cost me $1200 per year. I have a no blemish driving record. No one else can touch these rates.
I have Allstate for cars and Spyder. I have my uninsured motorist on the cars stacked and that keeps the price of the coverage on the Spyder in line. I have higher than normal limits for liability also. Less than $400 per year. That is in Deland, FL. Other areas may be more expensive because of the accident rates but we are a part of the Orlando area so it seems really reasonable compared to others. My cars combined cost me $1200 per year. I have a no blemish driving record. No one else can touch these rates.
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