Florida Minimum Car Insurance Requirements
Florida requires minimum coverage of $10,000 bodily injury per person, $20,000 per accident, and $10,000 property damage. You must carry proof of insurance at all times while driving.
Driving without insurance in Florida carries fines starting at $150-$500 for first offense, license suspension, and possible vehicle impounding. Getting caught uninsured is expensive and creates a record.
Can Immigrants Get a License in Florida?
Florida does NOT issue driver licenses to undocumented immigrants. You must have a valid visa, work permit (EAD), or proof of lawful residency status to qualify for a standard license.
However, you can apply using an ITIN from the IRS if you have work authorization. Bring your ITIN, passport, visa documents, proof of residency, and Social Security Number or ITIN letter to the DMV.
Check Florida DMV at flhsmv.gov for current document requirements and local office locations.
Best Insurance Options for Immigrants in Florida
Many major insurers accept ITIN numbers instead of SSN in Florida, including GEICO, State Farm, Allstate, and others. Call ahead and ask: Do you accept ITIN for new policies?
You do not need a US driver license to get a quote, though you will need one to legally drive. Get quotes from at least 3 companies to compare rates. Insurance companies are NOT immigration enforcement and cannot report you to ICE.
Your insurance information is protected by federal privacy law (Gramm-Leach-Bliley Act) and cannot be shared with government agencies without a warrant.
Tips for Immigrant Drivers in Florida
Keep your insurance card, policy documents, and ID in your car at all times. Florida police can stop you for expired tags or equipment violations, and you must show proof of insurance or face heavy fines.
If you are stopped, remain calm, keep your hands visible, and speak clearly. You have the right to remain silent. Do not sign anything without reading it first or consulting a lawyer.
Find free legal help through Florida Immigrant Coalition or local legal aid offices if you have questions about your rights as a driver.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $10,000 | Florida state minimum |
| Bodily Injury (per accident) | $20,000 | Florida state minimum |
| Property Damage | $10,000 | Florida state minimum |
| Personal Injury Protection (PIP) | Required | $10,000 medical coverage required |
| Uninsured Motorist | Required | $10,000 per person, $20,000 per accident |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Florida insurers accept ITIN as proof of identity. Get your ITIN at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Florida does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check Florida DMV at https://www.dmv.state.gov for current requirements.
Florida requires: $10,000 bodily injury per person, $20,000 per accident, $10,000 property damage. Personal injury protection (PIP) of $10,000 is also required.
State Farm, Geico, Progressive, and Allstate work with ITIN numbers. Specialty insurers like Safe Auto also serve immigrants. Get quotes from multiple companies for best rates.
Some Florida insurers accept valid foreign licenses temporarily, but you need a Florida ID or state ID to legally drive. Using only a foreign license puts you at risk if pulled over.
