if u dont have insurance in the state of Florida u have to wear a helmet, no matter what age... also if u want cheap insurance call gieco and get the bare requirement its only $28 - $35 a month or get cheap health insur. which is what i got... i pay $65 a month for a low deduc. and $5million coverage... ( blue cross n blue shield ) i just got all this taken care of thats why i know... goodluck w/ everthing