Living in Florida, you deal with all types of drivers. From lost tourists, motorcycle groups, and speedsters up and down I-75, you should make sure you are covered on the road with affordable, quality car insurance.
Failure to present proper car insurance may result in a suspension of a driver’s license, or worse.
In the state of Florida, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Florida include a reinstatement fee of $150 up to $500 for subsequent violations, and the driver must provide proof of current Florida insurance.
According to the Florida Department of Highway Safety and Motor Vehicles, Florida‘s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Florida vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements. Florida‘s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.
Florida DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Florida DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants.
Florida Penalties for DUI First Conviction
Florida Penalties for DUI Second Conviction
Florida law mandates that any driver convicted of a second DUI have an Ignition Interlock device installed in their vehicle.
The state of Florida currently does not have a full ban on cell phone use for all drivers. However, Florida also has a texting while driving ban for all drivers.
Florida SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DHSMV, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Florida for drivers that are required to keep and show valid auto liability insurance.
More information on additional costs and frequently asked questions for purchasing a new policy can be found on our commonly asked questions page.