Can I have a car in Florida without insurance?
Asked by: Douglas Halvorson | Last update: July 23, 2025Score: 4.3/5 (68 votes)
Do you have to have insurance on a car you own in Florida?
Any vehicle with a current Florida registration must: be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL.
Do you need proof of insurance to buy a car in Florida?
If you don't have auto insurance, you should not drive your new car home until you have a policy in place. In fact, your dealer probably won't let you! Most car dealerships require you to show proof of insurance when purchasing a new or used car.
Can you store a car without insurance in Florida?
(Interestingly, Florida doesn't require bodily injury liability for vehicle registration. But that is another blog post). Insurance for Stored Vehicles: What You Need to Know If your vehicle is stored but maintains a valid registration, you're still required to have liability coverage.
Do you need insurance if you have a license but no car in Florida?
You're not required to have insurance if you have a license but no car, but it depends on how often you drive other people's vehicles. If you're borrowing cars on occasion, you should be covered under the vehicle owner's insurance.
Car Insurance is a Scam ..... Life Hack
Is it illegal to have a car without insurance in Florida?
No, in Florida, you generally cannot have a car without insurance if it's registered and has a valid license plate. Florida law requires that all vehicles with four or more wheels must maintain continuous insurance coverage throughout the entire registration period.
What is the new insurance law in Florida in 2024?
Effective Date: July 1, 2024 with some provisions effective on May 13, 2024, the day Governor DeSantis signed the bill. Allows surplus lines insurance companies that meet certain financial requirements to take out policies from Citizens for dwellings that are not primary residences or homestead properties.
How long can you be without car insurance in Florida?
If your insurance lapses or you drop it and don't get new insurance right away, the DHSMV has the authority to suspend your driving privileges, your vehicle license plate and your registration for up to three years, or until proof of Florida insurance is provided – whichever is first.
Can a car place take your car if you don't have insurance?
If you get behind on your car payments or don't have auto insurance, the loan company can take your car. This is called vehicle repossession.
What are the new car insurance laws in Florida?
In 2021, the Florida Senate introduced SB 54, which would eliminate the mandatory PIP requirement for auto insurance. In its place, the new PIP reform law would require vehicle owners to carry: A minimum of $25,000 in bodily injury coverage. A minimum of $50,000 for two or more people in any one accident.
Can you register a car in FL without insurance?
Current proof of FLORIDA insurance is required when registering your vehicle in Florida. You must submit: Insurance card, policy, or binder, for each vehicle being registered indicating the vehicle identification number, make and year.
What is the minimum car insurance you must have in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance.
What is the cheapest car insurance in Florida?
Geico offers the cheapest full coverage in Florida, with an average rate of $2,138 per year according to NerdWallet's January 2025 analysis. Full coverage in Florida costs an average of $3,992 per year, or $333 per month. If you want the cheapest policy possible, get minimum coverage.
What state doesn't require car insurance?
New Hampshire and Virginia are the only states that do not require auto insurance. However, if you choose not to purchase car insurance in these states, you would still be held liable for any property damage or bodily injury caused by their vehicle. Do you live in an at-fault or not-at-fault state?
Do you need insurance to buy a car in Florida?
Technically, you can buy a vehicle without insurance. However, whether you're buying a new or used car, you need auto insurance to drive it home — specifically, a policy that meets your state's minimum amount of liability insurance. Most car dealerships won't allow you to leave with the car unless it's insured first.
Can I self-insure my car in Florida?
If you want to be self-insured in Florida, you have to meet the minimum unencumbered net worth of $40,000 to qualify. This would assure the state that you can be responsible for any expenses that need to get paid following a car accident. In addition, you have to maintain that balance.
Can you get car insurance before buying a car?
It is usually best to buy car insurance before you get your new vehicle. If you already have car insurance for another vehicle, you may not yet have to buy another plan. Most insurance companies offer a short grace period in which your new car is covered.
Can the police tell if your car is up for repo?
In most states, repossession agents have to inform the local police department of their intent to seize a vehicle before the repossession takes place. During the vehicle repossession, the police may be contacted by the borrower or the repo agent to come to the scene.
How long can you go without car insurance?
It is a crime to drive almost anywhere without car insurance coverage, even for a minute or just down the street. So, how long can you be without car insurance? If you're driving, you can't. Anytime you get behind the wheel as a licensed driver, you need insurance coverage or you'll risk incurring major consequences.
Can you pause your car insurance in Florida?
Even if your car is sitting in the garage while you're away, you'll still need to make sure it's insured through a licensed Florida provider. Suspending Coverage: If your car will be stored for 30 days or more, talk to your agent about temporarily suspending your coverage.
Can my car be registered in one state and insured in another?
Registering a vehicle in one state while holding an insurance policy in another is not permitted for most drivers. This restriction is due to variations in traffic laws and minimum insurance coverage requirements. Attempting to insure a vehicle in a state where you don't live might be insurance fraud.
Do insurance companies go after uninsured drivers in Florida?
It is illegal to drive a motor vehicle without insurance in the state of Florida, but insurance companies are not required to go after uninsured drivers unless you have uninsured motorist coverage as part of your insurance policy.
What is the new law in Florida on July 1, 2024?
Since the start of the year, Governor Ron DeSantis has signed over 180 bills from the 2024 Legislative Session into law that went into effect on July 1, 2024. Some notable laws include allowing patriotic organizations in schools, HOA fine limits and transparency, and changes in eviction laws.
At what age does your car insurance go down in Florida?
The most substantial reductions in auto insurance rates typically come as teen drivers get older, usually when they hit 18 or 19 years old. Rates continue to decline as you age, particularly once drivers pass the age of 25.
What is the bad faith law in Florida?
Under Florida State Statute 624.155, “bad faith is when the insurer does not attempt in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests; making claims payments to insureds or ...