Is motorcycle insurance required in Florida?

FINANCIAL RESPONSIBILITY LAW-IT DOES APPLY TO MOTORCYCLES!

Florida's No-Fault, or "PIP Law" does not apply to motorcycles, "Trikes" or motorcycles with sidecars. HOWEVER, the Financial Responsibility FR Law applies to ALL motor vehicles in Florida, including motorcycles. Thus the voluntary purchase of motor vehicle liability insurance by an owner, operator or owner/ operator is highly recommended. Failure to carry property damage and bodily injury liability insurance in case of a crash, DUI conviction or other occurrences outlined in Florida's FR Law, Ch.324, may result in some or all of the following:Loss of license/tag and registration, and/or restitution or civil court judgment, and future proof (three years) of high risk, SR22 mandatory liability insurance coverage just to keep your driver license - even if you do not own any motor vehicles.

From this you can see that no it is not required. However, if you crash into another person's property (i.e. their car, a house, a mailbox, etc.) you are going to be held liable for all damages and you may also be fined, have your license suspended/revoked, bike impounded, be labeled a "high risk" operator, and/or other various penalties. Notice that the excerpt says you may be subject to "civil court judgment". If a judge deems it necessary, you may be sentenced to serve time in jail or other sentences at the court's discretion.

Motorcycle insurance is really cheap. Mine costs about $100.00 USD a year. It's worth it...