The New Florida Car Insurance coverage Legal guidelines You Have to Know in 2024

In at the moment’s article, we will be wanting on the Florida car insurance coverage necessities for anybody that wishes to drive inside Florida with out going in opposition to the regulation.

Fundamental Info About Driving a Car in Florida 

What kind of automotive insurance coverage coverage is required by regulation in Florida? A proof that you’ve bought Private Damage Safety (PIP) and Property Injury Legal responsibility (PDL) vehicle insurance coverage should be offered earlier than you might be allowed to register a car with no less than 4 wheels in Florida. 

Whereas your Private Damage Safety auto insurance coverage covers 80 % of all mandatory and cheap medical bills as much as $10,000 ensuing from a lined harm, irrespective of who precipitated the crash, your Property Injury Legal responsibility protection pays for injury to a different individual’s property attributable to you or another person driving your insured car.

You may solely acquire your proof of the private harm safety vehicle insurance coverage protection and property injury legal responsibility insurance coverage from an insurance coverage firm with an energetic license to promote insurance coverage insurance policies in Florida or by qualifying for a self-insurance certificates issued by Florida Freeway and Security Motors.


Any automotive with a present Florida registration should:

  • be insured with PIP and PDL insurance coverage on the time of auto registration.
  • have a minimal of $10,000 in PIP and a minimal of $10,000 in PDL. Automobiles registered as taxis should carry bodily harm legal responsibility (BIL) protection of $125,000 per individual, $250,000 per prevalence and $50,000 for (PDL) protection.
  • have steady protection even when the car is just not being pushed or is inoperable. Give up the license plate/tag BEFORE cancelling your insurance coverage.
  • buy the coverage from an insurance coverage service licensed to do enterprise in Florida. (If you’re new to the state, you could ask your agent to switch your present insurance coverage to a Florida coverage.)
  • keep Florida insurance coverage protection repeatedly all through the registration interval whatever the car’s location.

Florida Automotive Insurance coverage Legislation for a Non-Resident

As a non-resident that just lately moved to Florida, your car should be registered in Florida, you should be issued a Florida license plate and also you should be insured with a Florida coverage.:

This consists of whenever you settle for employment or interact in a commerce, career or occupation in Florida; or whenever you enroll your kids to be educated in a Florida public college.

You might be given a window grace of 10 days to acquire your Florida car registration and license plate after beginning your employment.


You have to even have a Florida certificates of title on your car until an out-of-state lienholder/lessor holds the title and won’t launch it to Florida.

Florida Automotive Insurance coverage Requirement When Shifting Out of State

Penalties for violating the Florida vehicle insurance lawsPenalties for violating the Florida vehicle insurance laws

When shifting out of Florida State for any purpose, don’t make the error of canceling your Florida car insurance coverage till you could have duly registered your car within the different state you might be shifting to or after you could have surrendered all legitimate plates and registrations to a Florida driver license workplace and motorcar service heart.

If you’re staying with the auto insurance coverage firm that bought the coverage to you in Florida, they will change your protection to your present state of residence whenever you excellent the registration change.

Penalties for Violating the Automotive Insurance coverage Legal guidelines

How automotive insurance coverage works in Florida is that you need to keep the required insurance coverage protection all through the registration interval or your driving privilege and license plate could also be suspended for as much as three years. There are not any provisions for a brief or hardship driver license for insurance-related suspensions.

Flip in your license plate at your nearest driver’s license workplace and motorcar service heart or Tax Collector’s workplace BEFORE canceling your automotive insurance coverage to keep away from suspension and reinstatement charges.


Failure to keep up required insurance coverage protection in Florida could outcome within the suspension of your driver’s license/registration and a requirement to pay a reinstatement charge of as much as $500.

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