Can you Register a Car Without Insurance in Florida

If you are confused about the question as to whether can you register a car without insurance in Florida then the answer to your question is sadly no. You cannot register your car in Florida if you don’t have proper insurance.

There are certain strict protocols that you are supposed to adhere to to register your car. The good thing about this is that it will help ensure that all of the vehicles that meet with any kind of accidents are well covered financially.

Registration of Car in Florida

So, to answer your question of whether can you register a car without insurance in Florida, the answer is it’s next to impossible to get your car registered if you don’t have proper insurance. Therefore, while registering your car in Florida, you must have Florida insurance proof. Down the hill, this very thing will protect both the drivers and the pedestrians in case you are unfortunately met with an accident.

So in short terms before beginning off with the registration of a car in Florida, be sure that you have all the mandatory insurance coverage. Hence, irrespective of the fact that whether you are a newbie to Florida or are intending to purchase a vehicle from any other state, be sure to secure the relevant insurance even before you have registered your car.

Requirements for registering a car without insurance in Florida

Now that you have your answer to the question of whether can you register a car without insurance in Florida, let’s learn about the requirements for registering a car. It is important for drivers to carry auto insurance coverage through a valid license company :

1. Property Damage Liability Coverage

When you damage other property while you are involved in an accident, there will be $10,000 in PDL coverage that will provide you protection under Florida law. Some of the inclusions in the coverage are damage that is done to the fence, another vehicle, tree, road sign, building, or such.

2. Personal Injury Protection Insurance

Person Injury Protection Insurance is a must for all drivers who are in Florida. Under this insurance, irrespective of whose fault it is, the injury costs are covered. Under PIP insurance, up to $10,000 medical bills are covered.


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Risks of Registering A Car in Florida Without Insurance

When you register your car in Florida and that too without insurance, you are putting yourself at many potential risks. Some of the severe consequences that you may face are penalties and fines. That’s not it, you may land in legal trouble as well.

So, if you are still finding the answer to the question can you register a car without insurance in Florida, then you shouldn’t do it as Florida laws are said to be very strict. This is the very reason why you must comply with the rules and regulations of the state if you don’t want to land in any troubles

Documents Required for Car Registration

The following are the documentation that are necessary for getting your car registered:

  1. Identity Proof ( birth certificate, passport, or any relevant document)
  2. Insurance Proof
  3. Completed Application for Certification of Title With/Without Registration.

can you register a car without insurance in Florida

How can you register a car without insurance in Florida

If you are planning to register your car, you need to do it in person. However, in case of renewing your registration, you are supposed to do it either online or mobile app. Let’s learn more about it.

1. Online

  1. Visit
  2. Create an account
  3. Pay $2 for processing fee and complete the transaction
  4. The new registration will be sent to your email address between 7 to 10 business days

2. Mobile App

  1. Download the Mobile app MyFlorida for the FLHSMV either from the Apple or Google Play Store, depending on your phone
  2. Either provide your VIN or license plate number
  3. Either pay the $4 processing fee through a credit card or pay the $3.75 processing fee with a checking account
  4. You will receive the registration in your email address. Up until then, you can easily access the digital document in your very mobile app.

3. Offline

  1. Visit the nearest Florida motor vehicle center. Ensure that you are carrying the right documents with you
  2. To start the registration, hand the documents to the clerk
  3. Provided you have offered all the correct documents, you will get the registration card on the very day.

Alternative Methods to Car Insurance in Florida

If you don’t want to go for the traditional method so can you register a car without insurance in Florida then there is a non-owner car insurance option as well. It helps you in offering you liability coverage if you are driving a vehicle that you don’t have legal ownership of.

With this type of insurance, it becomes easy for people who tend to rent or borrow vehicles from their friends or family members. The end note of having this coverage you legally comply with the requirements of the state’s law.

FAQs ( Frequently Asked Questions)

Q.1) So can you register a car without insurance in Florida?

Ans. Yes, if you want to register a car in Florida, you must have a Florida insurance

Q.2) What are the requirements for registering an out-of-state Vehicle in Florida?

Ans. To get your out-of-state Vehicle registered in Florida, you need to visit your local service center and offer valid identity proof.

Q.3) What kind of car insurance is not needed in Florida?

Ans. Bodily Injury Liability insurance is not required. However, it is recommended to have insurance for additional protection.


So in a nutshell, the conclusion is that can you register a car without insurance in Florida. If you don’t have any kind of valid insurance. Other additional documents are required to be provided along with the basic necessary documents.

Another thing is that, although bodily injury liability insurance is not mandatory however you must have it for your own sake of protection. The tip to ensure a smooth registration process is to be aware that you have all the mandatory insurance coverage in place before you register your car in Florida.

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