Can I take insurance off my car if I'm not driving it in Florida?
Asked by: Miss Madelynn McKenzie | Last update: June 22, 2025Score: 4.9/5 (17 votes)
Can I cancel insurance on a car that doesn't run?
Vehicle repairs are expensive and, if your car is broken down, you may be wondering whether you can save money by canceling your insurance policy. The answer is technically yes, although it's important to cancel your vehicle registration or file an affidavit that you're not operating the vehicle with your DMV first.
Can I remove insurance from my car in Florida?
For a vehicle to maintain a Florida registration, it must be insured in Florida unless you are an active-duty military member (including a spouse or dependent) and currently stationed in another state.
Can I take my car off insurance if I don't drive it?
Yes, you can cancel your insurance if you choose not to drive for six months, although in most states, auto insurance is required for all registered cars. Your insurance company will report the cancellation to the state, and the state will treat you as if you were driving without insurance.
Can I suspend my 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.
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Can you pause car insurance if not driving?
You may be able to pause your auto insurance if you're not going to drive your car for a certain period of time. However, you may be unable to temporarily give up all of your coverage, depending on your state's laws, your insurer's rules and your auto lender's requirements.
Does my car need insurance if I'm not driving it in Florida?
have continuous coverage even if the vehicle is not being driven or is inoperable. Surrender the license plate/tag BEFORE cancelling your insurance. purchase the policy from an insurance carrier licensed to do business in Florida.
What happens if you take insurance off a car?
Canceling your policy too soon means you may face legal repercussions, like hefty fines or having your license suspended. When you cancel, you'll have a lapse in coverage. This isn't a problem if you won't be driving.
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 remove insurance on a financed car?
While technically you can remove insurance on a financed car, you definitely shouldn't. Having no insurance on financed cars is dangerous, illegal in most states, and can open you up to all kinds of financial trouble. It may even result in you having your license suspended and your vehicle taken away.
Does insurance follow the car or driver in Florida?
Your insurance will typically still cover the driver, as insurance follows the car in Florida. However, if they cause an accident, it could impact your insurance rates.
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.
Will my car insurance go down if I remove a car?
Your actions, as a policyholder, can affect what you pay, too. For instance, if you add another car, or a teenaged driver to your policy, your costs will increase. Alternatively, your costs will decrease if you drop either a car or a driver from your policy.
Can I take insurance off my car if I'm not driving it in Illinois?
Do I have to insure my car if I'm not driving it? No, you don't have to insure your car if it won't be driven at all, whether that's due to the car breaking down, your license being suspended, or a change in your driving needs.
Can I take insurance off my car if I'm not driving it in Virginia?
Unless they are notified otherwise, by surrendering or deactivating your tags, VA DMV will continue to require liability insurance be in force.
Can I take insurance off my car if I'm not driving it in Georgia?
Vehicle owners can voluntarily cancel registration if the vehicle has been sold, is not being driven, or is no longer operable. You should cancel your registration BEFORE canceling insurance coverage to avoid fines and penalties pursuant to Georgia law requiring insurance coverage.
Do you need insurance on a car if you don't drive it?
Almost every state requires registered vehicles to carry at least the minimum level of coverage. Even if you are not driving, having a registered vehicle without insurance is illegal in most states. Plus, the couple states that don't require insurance do make you demonstrate financial responsibility in other ways.
How long can I go 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.
What happens if you cancel your car insurance in Florida?
(4) If the insured cancels, the insurer may retain up to 10 percent of the unearned premium and must refund at least 90 percent of the unearned premium.
Can I take insurance off my car if I'm not driving it in Texas?
You'll need to keep the legally required auto insurance coverages. But you can remove optional add-ons like roadside assistance and custom parts and equipment coverage to save money while you're not driving.
Can you cancel insurance on a car you don't drive?
While you can't cancel auto insurance or remove the vehicle you aren't using from your policy, there are some other options if you want to save money on your car insurance.
How much does it cost to take a car off insurance?
At the same time, you might also be subject to a cancellation fee. Many companies don't charge such penalties, but with those that do, you can expect to pay a flat fee of under $100 or around 10% to 15% of the remaining policy premium.
Can I not drive my car for months?
Experts recommend driving your car every two to three weeks to keep it in running condition. Ideally, you should not let your vehicle sit unused for more than two weeks. To prevent unnecessary repairs and ensure your vehicle is ready to go, start it up and drive it for 15-30 minutes a few times within the month.
Who normally has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.