What If I Don't Have Auto Insurance in Florida?

Florida drivers are required to carry car insurance on their vehicles at all times.

The state of Florida requires both liability and personal injury protection car insurance coverage in order to register or drive a vehicle. Failure to insure your vehicle can have serious legal and financial consequences.

State Penalties for First Offense

If a Florida driver is caught for the first time without auto insurance, the county he resides in will play a role in his legal penalty. In Dade, Broward and Hillsborough counties, first-time offenders may have their plates confiscated. In all other counties, first-time offenders may incur a 60-day license revocation.

State Penalties for Subsequent Offense

Regardless of what county you live in, Florida drivers who are caught without a car insurance more than one time may have their vehicles impounded.

Financial Costs

Florida is one of only 12 states in America with a "no-fault" car insurance policy, which states that if you are in a car accident, your car insurance policy will cover the damage to you car, regardless of which driver caused the accident. This is dangerous territory for uninsured drivers, who will face large financial debt if they are hit by another driver whose policy will not be responsible under the no-fault law.

References

• Am Pm Insure: State-wise Information on Auto Insurance
• Auto Insurance Web: No-Fault Auto Insurance

Resources

• Florida Office of Insurance Regulation
• Insurance Information Institute: Find an Insurance Institute