Florida’s headgear laws change depending on your age and what you’re riding. 1) If you’re over 21 years of age and a rider on or operator of a motorcycle, you do not have to wear protective headgear if you’re covered by a minimum $10,000 insurance policy that covers medical costs resulting from an accident while on said motorcycle. 2) All motorcyclists must wear approved eye protection when operating their bike, but passenger riders are not required to do so. 3) If you’re riding in an “enclosed cab,” or if you’re 16 or older but riding on or operating a motorcycle that cannot go faster than 30 mph on a flat surface, protective headgear requirements do not apply. 4) If you’re under 16 years of age, you have to wear protective headgear when riding on or operating a motorcycle or moped.