pretty much as i understand it, in florida state you are not required to have motorcycle insurance. you know this because you can register a motorcycle with out proof of insurance (unlike a car where u need to have insurance on the vehicle before registering it). But if you have a loan out on the bike, the loaner may require you to carry insurance (that's a safety for them so u dont' go wreck the bike and say screw it i'm not going to fix it and not pay payments. if u have insurance it will be fixed, and they can atleast repo a repaired bike). in order to not wear a helmet in florida state you must be over 21 years of age, and have atleast $10,000 in health insurance.