I just recently changed from a CT policy to a FL. Found FL insurance about three times more than Connecticut. This was Geico, Dairyland, and Allstate. While dissecting the policies to find why, it turned out that it was due to Uninsured Motorist coverage, and "stacked" at that. Removed the stacked and it went down several hundred for full coverage 100/300 on 2 bikes. Still about double of Connecticut.

I am on Medicare with a very good supplemental. Between the two, I have very good medical coverage, which is what "Uninsued motorist" would also be for. So...I signed a waiver and cancelled UNinsured motorist, and now cost is the same as it was in CT. In my case, the Uninsured motorist was really a duplication. They would have gone to my own health policy first anyways. My passenger is covered through my policy by law in FL, so in my case it works. YRMV. CHECK WITH YOUR HEALTH INSURER TO BE SURE THEY WILL COVER YOUR MEDICAL COSTS IF DUE TO A MOTORCYCLE ACCIDENT.