State insurance law requires licensed Florida drivers to carry a minimum of $10,000 Personal Injury Protection (PIP) insurance and $10,000 Property Damage Liability coverage. Driving without insurance is illegal and could result in a considerable fine.
Do Florida drivers need car insurance?
Is car insurance in Florida required? Absolutely. In fact, having some level of car insurance is the law in every state except two (Virginia and New Hampshire). In Florida, you must carry proof of insurance with you whenever you drive and it must be current.
Is it legal to drive without insurance in Florida?
In the state of Florida, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. … 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.
Do I have to add my teenage driver to my insurance in Florida?
When your son becomes licensed most insurance companies will require you to place him on your auto insurance policy as a driver since he will likely drive your vehicle and thus require coverage. The Florida Office of Insurance Regulations backs up this idea.
Why is insurance so expensive in Florida?
Florida car insurance is so expensive because of the high number of factors that increase the cost such as the number of uninsured drivers and the high-risk drivers who live in and visit the state.
What happens if you don’t have insurance on your car in Florida?
You will probably be assessed a penalty for driving without insurance, such as suspension of your driver’s license. The reinstatement fee for a Florida driver’s license is around $150, and $500 for subsequent violations, according to the Florida Department of Highway Safety and Motor Vehicles.
Can my license be suspended for no insurance in Florida?
Failure to maintain required insurance coverage in Florida may result in the suspension of your driver license/registration and a requirement to pay a reinstatement fee of up to $500.
Can police tell if you have car insurance in Florida?
Using ALPR, the police can verify whether your car has valid insurance simply by running your license plate, without even approaching your car. The APLR camera snaps a photo of your car license plate, and the on-board computer will tell them if you’re on the state’s list of uninsured drivers.
Can my son drive my car if he is not insured?
If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy. The reason is that car insurance follows the car, not the motorist. This fact has ramifications for you as the owner of the insured car.
Is it cheaper to put your child on your car insurance?
It could make sense financially to add your teen to your insurance policy. … Teen male drivers are on average 129% more expensive than compared to a female teen, which was 107% more expensive. Still, adding a teen to a parent’s policy is significantly cheaper than having the teen get their own policy.
Does the driver or car need to be insured?
California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. … Uninsured motorist property damage coverage¹: $3,500 minimum.
Is Florida a no-fault state?
Florida is also a “no-fault” car insurance state, which means if you’re injured in a car accident, your legal options are often limited. Read on for the details on how Florida’s no-fault car insurance system works, minimum car insurance coverage requirements in the state, and more.
Why are there so many uninsured drivers in Florida?
While many drivers in Florida are on the road without insurance, many other drivers carry very little coverage. That’s due to Florida’s minimum auto insurance requirement, which only requires drivers to maintain $10,000 of Personal Injury Protection (PIP) coverage.
Does Florida have high car insurance?
Florida is one of the most expensive states for car insurance. While the national average auto insurance rate in the United States is $1,674 per year for full coverage and $565 per year for minimum coverage, motorists in Florida pay $2,364 annually for full coverage and $1,101 annually for minimum coverage.