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Passengers, Cargo, Groups & State Law

Under Florida law, when may a rider age 21 or older legally ride without a helmet?

  • A.At any time, with no conditions
  • B.Only on roads with speed limits under 35 mph
  • C.Only during daylight hours
  • D.Only if the rider carries at least $10,000 in medical insurance coverage for motorcycle injuries
Correct answer

D. Only if the rider carries at least $10,000 in medical insurance coverage for motorcycle injuries

Why

Florida allows riders 21 and older to choose not to wear a helmet only if they carry at least $10,000 in medical insurance coverage for motorcycle injuries. Riders under 21 must wear a helmet regardless of insurance, and eye protection is required for everyone.

Manual topic: MSF Rider Handbook (FLHSMV) - Preparing to Ride · From the Florida Motorcycle Permit practice bank (FLM-060).

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