Florida Minimum Car Insurance Requirements
Florida requires all drivers to carry minimum liability coverage: $10,000 property damage, $10,000 personal injury protection, and $10,000 bodily injury per person. Driving without insurance is illegal and can result in license suspension, fines up to $500, and vehicle impoundment.
You must carry proof of insurance at all times while driving. If pulled over without proof, you face penalties even if you have coverage. Get your insurance card before you drive.
Can Immigrants Get a License in Florida?
Florida does NOT issue driver licenses to undocumented immigrants. However, you can get a license if you have a valid visa, passport, or state ID. You will need proof of Florida residency, such as a lease or utility bill, plus your passport or visa.
If you are undocumented, you cannot get a Florida license. Some other states like California and New York allow it. See https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for your options.
Best Insurance Options for Immigrants in Florida
Major insurers in Florida accept ITIN numbers instead of SSN: State Farm, Geico, Progressive, and Allstate all work with ITIN holders. You will need an ITIN from the IRS if you do not have a Social Security Number. Apply at https://www.irs.gov/individuals/individual-taxpayer-identification-number.
Rates vary widely by insurer, age, driving history, and coverage level. Get quotes from at least 3 companies. Buying insurance does NOT report you to ICE; insurance companies are NOT immigration enforcement and are protected by federal privacy law.
Tips for Immigrant Drivers in Florida
Florida has high traffic and hurricane season. Keep your insurance card and proof of residency in your car at all times. If you do not have a Florida license, carry your passport or visa as ID when driving.
If you are in an accident, call police and get a report. Provide your insurance information but you are not required to answer questions about immigration status. Contact your insurer immediately after any accident. Many Florida insurers offer multilingual customer support.
| 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 minimum coverage |
| Uninsured Motorist Bodily Injury | Required | $10,000 per person/$20,000 per accident |
📋 Official Sources
Frequently Asked Questions
Yes. You can use an ITIN (Individual Taxpayer Identification Number) instead. Many Florida insurers accept ITIN. Get a quote to confirm your insurer accepts it.
No. Florida does not issue driver licenses to undocumented immigrants. You need proof of legal presence or valid visa status.
Florida requires: 10/20/10 liability (10k bodily injury per person, 20k per accident, 10k property damage). This is the legal minimum to drive.
State Farm, Geico, Progressive, and local insurers like Heritage Insurance accept ITIN. Rates vary—get quotes from multiple companies for best price.
Maybe temporarily. Most insurers require a Florida or US license within 30 days. Check with your insurer. A valid foreign license helps initially while you get a Florida license.