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Florida Car Insurance

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.

Florida Penalties for Driving Without Car Insurance

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.

What is Considered Full Coverage Auto Insurance in Florida?

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/DWI Laws and Penalties

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

  • Fine – $250 to $500
  • Community Service – 50 Hours
  • Probation – Not more than 1 Year
  • Imprisonment – Not more than 6 Months
  • Imprisonment with BAL of .08 or higher with a minor in the vehicle, not more than 9 months
  • License Revocation – Minimum of 180 days
  • DUI School – 12 Hours


Florida Penalties for DUI Second Conviction

  • Fines of $1,000 to $2,000. For BAL of .15% or higher, or a minor in the car, minimum $2,000 to $4,000.
  • Jail time of not more than 9 months. A BAL of .15% or higher, or driving with a minor in the car, will require up to 12 months*.
  • Vehicle impoundment for 30 days. *
  • Driver’s license suspension/revocation
    • Not within 5 years: 180 days to 1 year
    • Within 5 years: 5 years


Florida law mandates that any driver convicted of a second DUI have an Ignition Interlock device installed in their vehicle.

Florida Cell Phone Driving Laws and Texting While Driving Laws

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

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.

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