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Insurance requirements will vary state to state. In NY you are are required to carry at least liability insurance on a motorcycle. Collision and comprehensive is optional. Also, in NY motorcycles do not qualify for no fault, so if you get injured on a motorcycle and do not have optional medical coverage either your personal health insurance policy will have to take place or you will have to pay out of pocket.
Here is a quote from Florida DMV:

Is insurance required for motorcycles in Florida?

Under certain circumstances Yes. Insurance is not required to register motorcycles as with four-wheel motor vehicles. However, if a motorcycle operator is charged in a crash with injuries, then the owner or owner/operator is financially responsible for bodily injuries and property damage to others. If no liability coverage was in effect, then bodily injury/property damage liability insurance must be purchased and kept for three years to avoid license and tag/registration suspension or to reinstate license and tag/registration after suspension.
 
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