Your situation

What changes, what to do, and what to have ready. Pick the one that sounds like you.

Moving to Florida: car insurance for new residents

Once you become a Florida resident, you have 10 days to register your car here, and you need a Florida policy with $10,000 PIP and $10,000 property damage before you can.

Just bought a car: insurance before you drive off the lot

You need proof of insurance before the dealer hands you the keys.

Insurance for a leased or financed car

If your car is financed or leased, the lender requires comprehensive and collision, usually with a maximum deductible, and leases often require higher liability limits than Florida does.

Adding a teen driver in Florida

Adding a teen driver raises a family policy’s price more than almost anything else, so it is the best moment to re-shop.

Car insurance after an accident or ticket

An at-fault crash or a moving ticket usually raises your price at renewal, and carriers look back three to five years.

Car insurance after a DUI in Florida

After a DUI conviction, Florida requires an FR-44 filing proving 100/300/50 liability, usually for three years.

My car insurance lapsed in Florida

Florida insurers report cancellations to the state, so a lapse can suspend your license and registration until you show new coverage and pay a reinstatement fee.