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Driving without insurance in Florida


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Question: What are the penalties for driving without insurance in the state of Florida?

Answer: In the state of Florida the Department of Highway Safety and Motor Vehicles (HSMV) is authorized to suspend your driving privilege, including your vehicle tag and registration, for up to three (3) years or until proof of Florida insurance is provided, whichever is first, if you are found driving without auto insurance.

If your driving privilege is suspended because you are not properly insured, there is there a penalty to reinstate your license. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

The Florida laws require the owner or registrant of a motor vehicle to maintain Personal Injury Protection (PIP) and Property Damage Liability insurance continuously throughout a vehicle registration period. The law allows no exemptions for any reason. FL law also requires all insurance companies to report the initiation and termination of all policies providing this coverage to the HSMV so they can take action on any lapse of the state required auto insurance coverages.

Remember Florida's no-fault insurance law requires vehicle owners to carry at least $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). All licensed insurance companies electronically report to DHSMV when policies providing PIP coverage are cancelled or taken out.

If your insurance company notifies the HSMV that you canceled a policy, and no other active policy is reported by another insurance company, they will send a letter notifying you they need your auto insurance information.

If the HSMV learns that you did have a lapse you are notified they want you to show them you have PIP/PDL insurance for every vehicle you have registered in Florida. A suspension by the HSMV will affect the driver license, tag and registration of the suspended person and can be done after just a 1 day lapse of coverage.


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11 Responses to "Driving without insurance in Florida"
  1. Anonymous

    should do sufficient time in jail+pay damages to vehicle they hit& no license until 21 years old.

      Reply»  
  2. Anonymous

    No wonder 1/2 of Florida drivers are un-insured. Its MUCH less expensive to pay the fines - if youre caught.

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  3. Anonymous

    Why in the state of FL, do they NOT NOTIFY you when your license becomes suspended. I didnt know my license was suspended, until this article. Seems a little shady, but everything in FL is..... Its ENTRAPMENT at its purest.

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  4. Anonymous

    It's obvious their jobs and salaries should be suspended...and their licenses. And at least some kind of of fine should be levied for fraud as well...fraud in the sense that they are being to paid for work they have not performed. Fire them all!!!!!!!!!!!!!!!

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  5. Anonymous

    If I let some one else drive my car is it covered.

      Reply»  
  6. Anonymous

    I got pulled over for suspended license due to my current insurance coverage not notifying the state when I started the policy. I did not even know my license was suspended and I got taken to jail. No tickets, no priors.....

      Reply»  
  7. Anonymous

    I need more information, regarding someone driving without insurance and got into an accident. Person hit is injured seeking medical help and who pays??? Person without insurance is at fault. Why shouldnt the city penalized this person, The city should be paying a fine for not inforcing car insurance.

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  8. Anonymous

    I do not have the budget for continuing my car insurance in Miami, Florida, If I follow street laws and avoid accidents would there still be penalties for just not have insurance.

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  9. Anonymous

    I have a car and don't have insurance under it. Do you know the penalties for driving without a license for Buffalo NY?

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  10. Anonymous

    not bad

      Reply»  
  11. Anonymous

    exactly what i needed to know, thanks!

      Reply»