Every state has its own version of a motorcycle helmet law, and the details vary from state to state. Florida does allow adults to decide not to wear a helmet, but in the event of an accident involving a head injury, that decision may come back to haunt the rider.

Adult Motorcyclists and Helmets in Florida

Under Florida law, the general rule is that all persons riding a motorcycle must wear an approved helmet.  However, anyone 21 or older can ride a motorcycle without wearing a helmet if that person carries an insurance policy providing at least $10,000 in coverage for injuries sustained while riding a motorcycle. If the rider does not have the required insurance, that adult rider must have a helmet that complies with Federal Motorcycle Safety Standard 218 of the US Department of Transportation.