Just about everywhere in the United States and even in some European countries you have to have vehicle insurance in order to drive a vehicle on a road. Florida auto insurance information is easy to find, they actually have a department called the Florida Highway Safety and Motor Vehicles Department that has all the answers you might need.
But in a nutshell, if you are registering a vehicle in Florida you’re going to need a certain amount of liability insurance. Florida is not as tough as some states and for your minimum insurance you need to have $10, 000 for any personal injury, and a minimum of $10, 000 for any type of property damage.
An interesting fact is that you can hold insurance in another state, and yet, if that insurance company is not licensed to sell in the state of Florida, it’s not going to meet the Florida insurance requirements. This means you may need to find another insurance carrier in order to register your vehicle in the state of Florida.
Another important item to note, that should you be found to not carry insurance on a vehicle that is registered in your name in Florida that you can have your driver’s license suspended. Not only do you have to show proof of insurance before you can be reinstated, but they can also charge you a fee of $150 that goes up incrementally for each infraction.
Another interesting fact, your vehicle must maintain insurance for the full registration year in the state of Florida. It doesn’t matter whether you’re driving the vehicle, storing the vehicle, or if it doesn’t run, you must have insurance if it has a registration tag.
If you’d rather not carry insurance on a non-running vehicle or one that is stored you can surrender your registration tag and avoid having to insure the vehicle. This does necessitate reregistering the vehicle and showing proof of insurance initiated by licensed State of Florida insurance agency before you can drive the vehicle again.