Penalties for Driving Without Car Insurance in Florida FAQs

What happens if you drive without insurance in Florida?

You face suspension of your license, registration, and fees to reinstate them. You are also personally liable for all damages if you cause an accident.

Do you need insurance to legally drive in Florida?

Yes, Florida requires all drivers to maintain at least the state minimum insurance coverage on any vehicle they operate.

How many people in Florida are driving without car insurance?

An estimated 20% of Florida drivers are uninsured according to recent studies.

What happens if I get hit by an uninsured driver in Florida?

Your personal injury protection (PIP) coverage would pay up to $10,000 for your initial medical expenses and lost wages, regardless of who was at fault.

How long can you go without insurance in Florida?

There is no legal “grace period” – you must maintain continuous insurance coverage or face penalties.

Can you go to jail for no insurance in Florida?

While simply driving uninsured isn’t a jailable offense, leaving the scene of an accident you caused is a crime that could potentially lead to jail time.

What insurance is required by law in Florida?

Florida requires $10,000 personal injury protection and $10,000 property damage liability at a minimum.

Why does Florida have so many uninsured drivers?

Reasons include the state’s relaxed penalties compared to others, high rates, and lack of vehicle inspection requirements.

How much is average car insurance in Florida?

The average cost of full coverage car insurance in Florida for 2024 is likely between $3,000 and $3,800 per year. It’s important to note that these are just averages, and your individual rate may be higher or lower depending on your personal factors (age, driving history, location, car model, etc.).

What percentage of Florida drivers are uninsured?

Recent estimates show about 20% of Florida motorists drive without insurance coverage.

Can I sue an uninsured driver in Florida?

Yes, as Florida is a no-fault state, you can step outside the no-fault system and file a liability claim against an uninsured driver if your injuries meet the “serious injury” threshold.