What is the penalty for driving without insurance in Florida?

The penalty for driving without insurance in Florida is the suspension of your license, registration and vehicle tags for up to 3 years or until you purchase a new policy, whichever comes first. During this suspension, you won’t be able to get a temporary or restricted license, even to commute to work. After the first offense, you’ll pay a $150 reinstatement fee to get your license and registration back. A second lapse in your policy within three years will cost you $250. After a third lapse within three years, reinstatement will cost $500.

Drivers in Florida pay an average of $814 per year to maintain the minimum amount of car insurance coverage. That’s nothing compared to the consequences of driving without insurance, especially if you get into an accident.

Penalties for Driving Without Insurance in Florida

Not having car insurance and not being able to prove that you have it are two different violations. If you have insurance but cannot prove it when you get pulled over or at the scene of an accident, you are guilty of an “administrative violation,” similar to a seat-belt ticket. Your citation might be dismissed if you can provide the court with proof of valid insurance for the date of the citation within 30 days.

Driving without car insurance at all is much more serious, and the penalties are more severe. In addition to the legal consequences, you can also expect your car insurance premium to go up. A single conviction for driving without insurance raises annual premiums by an average of 8%, or $189, in Florida.

What Happens If You Get Into a Car Accident Without Insurance in Florida?

If you get into an accident while driving without insurance in Florida, you will be penalized for driving without insurance no matter who is at fault.

If the accident is your fault, you’ll have to pay for all the damages out of your own pocket. Both the other driver and their insurance company can sue you and have future wages and savings garnished to pay for damages.

If you are not at fault, driving uninsured can make it difficult to be compensated for damages.

Final Thoughts: How to Avoid Driving Without Insurance in Florida

To avoid the penalties of driving without insurance in Florida, shop around for at least $10,000 in personal injury protection along with $10,000 in property damage liability coverage. In Florida, you can find auto insurance that fulfills the minimum requirements for around $814 per year if you have a clean driving record. The consequences of driving without insurance are ultimately more costly than purchasing minimum auto insurance coverage.