What are the Florida car insurance requirements to be able to drive in the state


In the state of Florida, the FLHSMV requires drivers to have auto insurance with certain features that they must purchase before registering at their offices.

In the state of Florida, the FLHSMV requires drivers to have auto insurance with certain features that they must purchase before registering at their offices.

Photo: Opat Suvi/Shutterstock

In the state of Florida, the Department of Highway Safety and Motor Vehicles is very specific about acceptable features of insurance policies necessary to register a vehicle with their offices. This state agency, in charge of monitoring all processes around the privilege of driving, establishes that said policy must have, at least, personal injury protection (PIP) coverage and liability coverage. years of ownership (PDL).

What characteristics must the insurance of a car in Florida have to circulate legally?

As an insurance policy is a necessary requirement to be able to carry out the registration of a vehicle or do other procedures related to the privilege of driving, Traffic laws in Florida establish certain standards that all policies must comply with to guarantee the greatest fluidity in the processes, but also the safety of drivers. In that sense, according to the FLHSMV, it is necessary that each person who decides to drive legally:

1. Count on the PIP and PDL insurance at the time of vehicle registration.

2. Have a $10,000 minimum PIP AND $10,000 minimum PDL. Vehicles registered as taxis must carry Bodily Injury Liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 per coverage (PDL).

3. Have continuous coverage even if the vehicle is not driven or does not work. If you are going to cancel the insurance, it is necessary that you deliver the plate/label beforehand.

4. Buy the policy from a insurance company licensed to do business in Florida. (If you鈥檙e new to the state, you can ask your agent to transfer your current insurance to a Florida policy.)

5. Keep the Florida insurance coverage continuously throughout the registration periodregardless of the location of the vehicle. (Military members stationed out of state/country may be exempt.

These rules also apply to all non-residents who live in Florida and own a vehicle.. Especially for those who have been employed in the state or have school-age children who are enrolled in Florida public schools. In such cases, it will be necessary for them to complete the FLHSMV registration process during the first 10 days after starting a job or enrolling their children in said schools, after obtaining a policy with such characteristics.

They also apply for those who move to the state from other parts of the country. When this happens, it is necessary for the driver not only to change his driver鈥檚 license for a valid one in Florida, but also to update his registration information, once he obtains a policy with a company that operates in the state.

What are the consequences of not having adequate auto insurance coverage in Florida?

People who do not meet the necessary coverage requirements in Florida can face harsh penalties. According to the FLHSMV, the consequences for not following this rule can lead to:

1. Suspension of car registration for up to three years, without the possibility of obtaining a hardship or temporary license.

2. Driver鈥檚 license or car registration suspension.

3. Payment of a reinstatement penalty of $500.

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鈥 How to first register a vehicle in Florida

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