Frequently Asked Questions

We Are Here to Help - Search Our FAQs

Navigate

Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?

No, you cannot. Every car must be registered and insured in the state the owner currently lives in.

For more information: How To: Save on Florida Auto Insurance

Do I need to cancel my insurance if I am moving to another state?

Yes, you do. If you are not going to reside in Florida anymore, then you will be required to obtain car insurance quotes in your new state. Just make sure that your new insurance kicks in as soon as your Florida insurance is removed. You do not want to violate your new state’s auto coverage laws.

For more information: How To: Save on Florida Auto Insurance

How can I avoid a license suspension if I choose not to insure my vehicle?

Before your insurance is cancelled, you can return your car registration and plate to the FL DHSMV or Tax Collectors office to avoid a Florida drivers license suspension. If you choose not to, your drivers license will be suspended.

For more information: Florida Auto Insurance – Get a Quote and Save

If I have been in an accident, what property damage do I have to report?

When you have been involved in a car accident, you will need to report it to the police and give as much detail as possible. You need to report all damages and give your car insurance information to the investigation officer so that it can be recorded on the accident report.

For more information: Florida Auto Insurance – Get a Quote and Save

If I live outside of the state for half the year, am I still required to have car insurance?

Yes, you must maintain car insurance. You should have Florida car insurance in place as long as you reside in the said state, have your children registered in a FL school, or work in Florida.

For more information: How To: Save on Florida Auto Insurance

If I own multiple vehicles, am I required to have them all insured?

Yes, as long as your vehicle is registered, you will be required to obtain FL car insurance. This also applies to those vehicles that are not used on a regular basis. To learn more about car insurance requirements in the state of Florida, visit our Car Insurance page.

What is the minimum liability insurance coverage?

The minimum coverage amounts for car insurance are:

$10,000 of No-Fault Personal Injury Protection (PIP) insurance.
$10,000 Property Damage Liability (PDL) insurance.

For more information: How To: Save on Florida Auto Insurance

What proof of insurance can I provide when registering my car?

You can provide the following proof of Florida car insurance:

Your insurance ID card, given to you at the moment you purchased your coverage plan.
A Self-Insurance Certificate from the Bureau of Financial Responsibility.
A Financial Responsibility Certificate from the Bureau of Financial Responsibility.

For more information: How To: Save on Florida Auto Insurance

What type of car insurance am I required to have?

If you want to register or drive your car in Florida, you will need to purchase car insurance for at least the minimum coverage amounts for Personal Injury Protection (PIP) insurance and Property Damage Liability (PDL) insurance.

The minimum coverage amounts are:

$10,000 No-Fault Personal Injury Protection (PIP)
$10,000 Property Damage Liability (PDL)

Your Florida insurance company is required to cover all medical costs related to a car accident, even if you are found guilty. You should get insurance whenever you buy a new or used car. If your car does not have insurance, you may be exposed to severe penalties, including the suspension of your drivers license.

For more information: How To: Save on Florida Auto Insurance

What will happen if I fail to get or keep car insurance?

You should get FL car insurance whenever you buy a new or used car. If your car does not have insurance, you may be exposed to severe penalties, including the suspension of your drivers license.

For more information: How To: Save on Florida Auto Insurance

Which types of vehicles need to be insured?

In terms of insurance for car, various four-wheeled vehicle must have Florida insurance. Owners of motorcycles and mopeds may also choose to get a Financial Responsibility Certificate from the Bureau of Financial Responsibility, post a surety bond with a Florida company, and deposit securities with the DHSMV.

Another option, if you don’t want to pay insurance, is getting a Self-Insurance Certificate issued by the Bureau of Financial Responsibility. If you choose this method, you will have to prove that you have a net unencumbered capital. This ensures that if you get in an accident, you will be able to pay for the damages.

For more information: Florida Auto Insurance – Get a Quote and Save