You have to look at it from multiple perspectives in your case. In Florida, insurance isn't mandatory so you have far fewer people that actually have insurance. This means a much smaller pool of paying customers so there are much fewer people to spread the risk around with. Coupled with the fact that like California, there's people riding all year round so that means exposure is vastly greater than state that have snowy and icy winters which greatly amplifies risk. The medical portion for motorcyclists has always been astronomically high due to prevalence of medical injuries sustained by motorcyclists per incident relative to cars. When a car has an incident, unless absolutely major, the occupants often come away with minor injuries if any at all. Any seriously bad impact requiring extensive medical treatment for the car driver would probably lead to extremely an extremely critical condition if not mortal for the motorcyclist. The best outcome financially for the insurance companies in the long-run though are where the rider dies nearly instantly on site. The costs associated with death are far cheaper than what would be accrued by the company if the rider had survived the crash but required extensive medical car (often far exceeding the plan's cap within days usually.) Since most of the crashes involving motorcyclists are usually relatively minor incidences, motorcyclists in general tend to get injured a lot more and cause the insurance companies to pay out more often and for more of the plan's cap than car drivers do. This is why we see such outrageous costs for the rider's medical coverage portion. Florida, like California, also has a distinction of having very poor drivers. With all of those straight roads, FL and CA still manage some pretty hefty crash statistics. It's funny because when I got the R1, the only reason why I got full coverage because I wanted comp coverage. The comp is only like $80 for the year, it's the collision that takes the lion's share at $400 and #300 of it is for the bodily injury coverage and $80 for the uninsured motorist coverage. The part responsible for covering the paying out of a totaled bike is only around $20/yr.I did. Progressive is by far the cheapest where I live for third party liability + road assistance. 75$ for that is as cheap as it gets. And no tickets either plus all the usual discounts. Just getting comprehensive+ is where it starts getting expensive, and as of yet I haven't seen anything better.
Yeah I checked medical and that was stupid expensive. Made no sense.