Florida Auto Insurance

State Insurance Requirements

All registered or operated vehicles must be covered by $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Florida is considered a No Fault state.

You are required to carry proof of insurance in your vehicle.

The list below constitute legal proof of insurance:

  • A temporary insurance card issued by the insurer.
  • A premium receipt or insurance binder issued by the motorist’s insurance agent.
  • The current declarations page of a liability insurance policy.
  • The actual liability insurance policy issued for the vehicle.
  • A certificate of liability insurance policy issued by either the insurer or an authorized agent.
  • A copy of the rental agreement when renting a motor vehicle which specifies the insurance coverage.
DMV Point System

This state enlists a point system to monitor and penalize driving infractions. If a driver is convicted of traffic law violations, the driver will gain points on their drivers license. If those points reach a state specified amount, their license will be suspended for a predetermined period based on the amount of points gained.

The point values for related infractions are listed below:


  • less than 15 mph over – 3 points
  • More than 15 mph over – 4 points
  • Speeding resulting in a crash – 6 points
  • Additional Violations/Infractions

  • Moving violation – 3 points
  • Moving violation resulting in crash – 4 points
  • Failing to stop at a traffic signal – 4 points
  • Passing a stopped school bus – 4 points
  • Reckless driving – 4 points
  • Leaving the scene of an accident resulting in over $50 property damage – 6 points
  • Improper lane change – 3 points
  • Violation of a traffic control sign/device – 4 points
  • Open container as an operator – 3 points
  • Child restraint violation – 3 points
  • Littering – 3 points
Florida has a large amount of detailed infractions and their point values:
Point Value Table – Detail by FL Statute Driving Violation
Suspensions based on point accruement:

  • 12 points earned within 12 months results in a 30-day suspension.
  • 18 points earned within 18 months results in a 3-month suspension.
  • 24 points earned within 36 months results in a 12-month suspension.

The state of Florida also has a penalty for drivers considered Habitual Traffic Offenders ( HTO )

The penalty for an HTO is a minimum of 5 years suspension, with the possibility to file for a hardship license after a period of no less than 1 year.

A driver is considered HTO if…

Convicted three times within a five year period for any combination of the following offenses:

  • Voluntary or involuntary vehicular manslaughter
  • Any driving under the influence (DUI) related conviction
  • Any felony involving the use of a motor vehicle
  • Driving a motor vehicle while your license is suspended or revoked
  • Failure to stop and render aid at a motor vehicle accident that resulted in death or serious injury
  • Driving a commercial vehicle while your privilege was disqualified

15 moving violations in which the driver gained points within a 5 year period.

In addition, any out of state violations will be counted towards HTO status in florida.

If you are convicted of driving with a license suspended under the HTO law, you will face a 3rd degree felony charge, the result of which may include 5 years in prison and/or a $5,000 fine.


AutoCricket.com is in no way offering legal advice to consumers. Although we update our information regularly, and attempt to be as accurate as possible, state laws may change and we are not liable for any misinformation resulting in legal action or otherwise.

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