Mostly depends on how much ins you are paying for. Is it 10/20 100/300 ?.. how much deductible ? Do you have underinsured/uninsured ? Tickets.... No answer on this forum will probably fit your exact details. Plus depending on the density of the population area you live in affects it. True you don't have to have any motorcycle ins in Fl . But we are overwhelmed with retired yankees looking for signs to Disney, not motorcycles. This is a great place to have a headlight modulator.