The top-rated motorcycle insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,037 reviews. Other highly rated options include Brian West - State Farm Insurance Agent, Better Insurance Group, 321 Insurance Advisors. This directory lists 23 motorcycle insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Brian West - State Farm Insurance Agent | 2320 Dairy Rd #102 | (321) 872-0123 |
| 3 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 4 | 321 Insurance Advisors | 7025 N Wickham Rd #110 | (321) 309-0900 |
| 5 | Kim Osman Insurance Group, Inc. | 474 N Harbor City Blvd | (321) 242-2311 |
| 6 | Direct Auto Insurance | 2054 Sarno Rd | (321) 242-2274 |
| 7 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 8 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 9 | Acceptance Insurance | 635 S Wickham Rd #104 | (321) 337-7584 |
| 10 | GreatFlorida Insurance: Cheryl Miller | 1678 W Hibiscus Blvd #103 | (321) 253-8531 |
Erb and Young Insurance in Melbourne, Florida offers motorcycle insurance through either a single, one-time policy or recurring annual coverage. A one-time policy insures a specific ride or short period, while recurring coverage automatically renews to protect a bike year-round. Both options provide liability protection for road-legal motorcycles operated in the area. Service runs on a scheduled, annual renewal basis with as-needed policy adjustments available throughout the year.
Brian West - State Farm Insurance Agent serves the Melbourne, Florida area and the surrounding Brevard County region, specializing in motorcycle insurance protection. This agency helps local riders secure coverage tailored to their specific bikes, addressing needs for liability and comprehensive policies. Their services include assisting with quotes for various motorcycle types and coordinating with the customer to ensure policy details fit their riding habits. The agency handles collision protection and uninsured motorist coverage for motorcycle owners.
Serving Melbourne, Florida, and the surrounding Brevard County communities, Better Insurance Group handles motorcycle insurance for local riders. The agency focuses on providing coverage options that protect riders against common road risks in the area, such as collisions and theft. To handle a typical job, it reviews the specific bike model, the rider’s history, and local traffic conditions to match the policy to the customer’s needs.
321 Insurance Advisors provides comprehensive motorcycle insurance services for riders in Melbourne, FL. Their plans cover a range of policies tailored to protect bikes from common road risks. They offer routine service options, including policy adjustments and claims assistance. The firm can help maintain coverage through renewal management and local support. Their client base extends to small-scale property owners, encompassing single-family homes, apartments, and select retail establishments such as restaurants.
Homeowners, businesses, and property managers rely on Kim Osman Insurance Group, Inc. for their motorcycle insurance needs. The agency helps clients in Melbourne secure tailored coverage for cruisers, sport bikes, and touring motorcycles. Policies are designed to protect against common road risks and liability concerns. The team works to ensure riders find appropriate protection at competitive rates. Beyond Melbourne, this motorcycle insurance agent also serves the broader Brevard County area, including the neighboring community of Palm Bay.
Direct Auto Insurance in Melbourne, Florida provides specialized policy options for motorcycle riders, including coverage for custom parts and accessories. The agency also assists with standard vehicle insurance needs, guiding clients through available protection choices. Its services help area motorcyclists comply with Florida’s legal requirements for liability coverage. For many riders, the office is particularly helpful ahead of the spring season, when warming weather prompts increased bike usage and risks on local roads.
Space Coast Insurance Agency, LLC in Melbourne, FL helps motorcycle riders choose between one-time liability bonds for temporary needs or recurring coverage plans for ongoing protection. Motorcycle insurance policies available through an agent in this area typically include property damage liability for third-party incidents and optional comprehensive coverage for theft or weather events. Customized plans can address individual riding habits and machine value. Service for this agency operates on an as-needed basis by appointment or direct inquiry.
For residents of Melbourne, Florida, Anthony Insurance Agency specializes in providing motorcycle insurance coverage tailored to individual riding needs. The agency works to connect riders with policies that offer protection for a variety of bikes, from cruisers to sport models. Their general service work includes assisting clients in comparing liability and comprehensive options to secure proper financial safeguards. As hurricane season approaches along the Space Coast, the agency helps local riders understand how storm damage and flooding may be covered under their chosen plans.
As Florida's year-round riding season brings heavy traffic and sudden rainstorms, motorcycle owners in Melbourne need solid coverage. Acceptance Insurance focuses on liability and comprehensive policies that match local road conditions. Agents review each rider's commute distance, bike model, and storage situation to find appropriate options. They stay informed about state helmet laws and uninsured motorist requirements. A quick initial inspection of the motorcycle's condition helps determine eligibility and available deductibles before the policy is finalized.
As the Atlantic hurricane season brings shifting weather patterns to Melbourne, riders need coverage that responds to local road conditions and storm-related risks. GreatFlorida Insurance: Cheryl Miller serves as a motorcycle insurance agent, offering policies that align with Florida’s specific riding season and registration requirements. An agent reviews each bike’s usage, storage, and rider history to structure appropriate liability, collision, and comprehensive protection. The process begins with an inspection and discussion of the rider’s typical routes and commuting habits.
What Does a a Motorcycle Insurance Agent in Melbourne Cost?
Motorcycle insurance costs in Florida vary widely based on factors like your age, driving record, bike type, and coverage levels. A basic liability-only policy for a standard cruiser might cost between $200 and $500 per year. Full coverage with comprehensive and collision can range from $600 to $1,500 annually. Riders with tickets or accidents may pay higher rates. This is general information and not insurance advice.
About motorcycle insurance agents in Melbourne
Motorcycle insurance agents in Melbourne, Florida help riders find policies that comply with state law. Florida requires all motorcyclists to carry a minimum of $10,000 in property damage liability and $10,000 in personal injury protection if they do not have a health insurance policy. Agents can explain these requirements and help you choose coverage for your specific bike and riding habits.
Frequently Asked Questions
What are the minimum insurance requirements for a motorcycle in Florida?
Florida law requires motorcyclists to carry at least $10,000 in property damage liability per accident. Riders without health insurance must also have $10,000 in personal injury protection. Unlike cars, motorcycles do not require bodily injury liability in Florida.
Can I get motorcycle insurance with a suspended license in Melbourne?
Most insurance companies require a valid drivers license with a motorcycle endorsement to issue a policy. If your license is suspended, you may need to resolve that issue first. Some agents can help you find a non-owner policy or a specialty provider, but options are limited.
Does Florida require uninsured motorist coverage for motorcycles?
Uninsured motorist coverage is not required by Florida law for motorcycles. However, your insurance agent may recommend it to protect you if you are hit by a driver without insurance. It is optional but can provide important financial protection.
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