How much could YOU save?
Request free quotes; find out now.
  • Someone may have
    just saved up to
    $1,034/yr
    on car insurance.
    Actual quote delivered: 2 hours ago
    Quote Range: $1,498-$2,532/yr
    Age: 45 Sex: Female
    State: Florida Tickets: 0
    Number of Quotes: 3
    Vehicle: 1993 CHRYSLER LEBARON
  • Someone may have
    just saved up to
    $1,155/yr
    on car insurance.
    Actual quote delivered: 2 hours ago
    Quote Range: $1,155-$2,309/yr
    Age: 37 Sex: Female
    State: Florida Tickets: 0
    Number of Quotes: 3
    Vehicle: 2003 TOYOTA COROLLA CE/LE
  • Someone may have
    just saved up to
    $908/yr
    on car insurance.
    Actual quote delivered: 3 hours ago
    Quote Range: $1,236-$2,144/yr
    Age: 49 Sex: Female
    State: Tennessee Tickets: 1
    Number of Quotes: 2
    Vehicle: 2004 HONDA ACCORD EX
  • Someone may have
    just saved up to
    $1,367/yr
    on car insurance.
    Actual quote delivered: 3 hours ago
    Quote Range: $1,367-$2,735/yr
    Age: 33 Sex: Female
    State: Florida Tickets: 2
    Number of Quotes: 3
    Vehicle: 1998 FORD TAURUS SE COMFORT
  • Someone may have
    just saved up to
    $1,262/yr
    on car insurance.
    Actual quote delivered: 4 hours ago
    Quote Range: $2,350-$3,612/yr
    Age: 60 Sex: Female
    State: Virginia Tickets: 0
    Number of Quotes: 2
    Vehicle: 2002 MERCURY SABLE GS/GS PLUS
We Scour. You Save.
We search the web to find the very best deals and money-saving tips. Then, we send them right to you.
Get insurance now:
Car Insurance Resources:
Get Free Quotes Now
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

Do I need insurance to register my vehicle in Florida? Do I need a driver's license to get insurance?

Yes, you need insurance to register a car in Florida. When registering a vehicle in Florida you need to submit the original title and proof of Florida car insurance to the local county tax collector or license plate agency. Florida insurance means that the policy has been issued in Florida by an insurance company licensed by the Florida Department of Insurance, the insurance regulator of the state, to do business in FL.

It sometimes feels like a catch-22 with some carriers. You need a registration to get insurance but you need auto insurance to get a registration. CarInsurance.com has carriers available to solve this problem.

Florida's required minimum insurance 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. If you have been involved in an auto accident, or convicted or certain other offenses, you may be required to also purchase Bodily Injury Liability coverage (BIL). The minimum limits for BIL are $10,000 Bodily Injury one person, $20,000 maximum Bodily Injury for one accident.

[Let CarInsurance.com help you find affordable auto insurance now.]

Yes, normally you will need a driver's license in order to obtain car insurance, but some car insurance companies will allow you to get insurance with the understanding that you will provide a valid license within 30 days. Without a license an insurance company does not have a driving history to rate you on. If when you are buying auto insurance you have a permit, foreign license or suspended license, most insurance companies will require to you to obtain a full valid state license within a short period of time, typically 30 days, to keep your policy in effect.

Free Auto Insurance Quotes





If you are unable to obtain a driver's license then there are automobile insurance companies that will work with you by excluding you as a driver from the car insurance policy but will require that you have someone with a valid driver's license on the policy as the primary driver. This person is who would drive you around in your vehicle and it is their motor vehicle record that the car insurance company will pull and rate the policy on.

To get a free car insurance quote for Miami, Orlando or elsewhere in Florida, come to CarInsurance.com. Let us help you find the inexpensive car insurance coverage that you need.

Share this article with:

Related Questions
Car Insurance Related What is the fee for lapse in auto insurance for Florida?
Car Insurance Related How do I register and insure a car in Florida if I live in Massachusetts ? I will be going back and forth a few times a year. I will be renting a house for a year in Florida ?
Rate, add comments, or add help about your situation and this question.
Help us improve the largest car insurance website!

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way. You can add any helpful insurance comments to this page:
Visitor Comments
I think you are wrong about needing a drivers lic. in FL to ins. a car.As I have had an insured car in FL without a Dr.Lic.Agreed some companies will not insure you but some will and unless they have changed the law Ins Co. are not allowed to refuse you.
Comment added: 12:48 PM Feb-27
I have a holiday home in Florida and a UK driving licence and would like to get a Florida licence but current laws are that licences are only valid for the length of my visa waiver (90 days) which makes the whole exercise pointless!
Comment added: 11:33 AM Feb-04
Question Details
This car insurance answer was last updated 9:27 AM Mar-01.
This Save Money question was asked 05:55 PM July-6-2006.
Tanya requested this car insurance help from CarInsurance.com experts.
Rated 5 out of 10 based on 2 votes.
Save Money Category
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.
©2012 QuinStreet Insurance Agency, Inc. - Online Insurance Marketplace™
CarInsurance.com Feedback Survey