Car registered in Kentucky, need insurance in Florida

I live in Florida, where I am also going to college at. My driver’s license is in Florida. My father, who lives in Kentucky, is giving me one of his cars so that I have transportation while in college. We were going to transfer the car to my name and have it registered here in Kentucky, and he’s going to put me on his insurance policy for a month until I get to Florida and put Florida insurance on the car.

Seeing as the car will be registered in my name in Kentucky, will I be able to put Florida auto insurance on the car, since I have a Florida license and I go to school there?


If you are going to live in Florida for more than 90 days, you will need to carry both the PIP and PDL Florida insurance on it. The Florida Department of Highway Safety and Motor Vehicles (www.hsmv.state.fl.us) does not need the 90 days to be consecutive to require this insurance on the vehicle.

My Insurance Rates More Than Doubled After Moving To Florida?

Auto rates doubled, homeowners is about five times more than Virginia. What is up with this? Has anyone experienced changing to Florida and getting hit with high insurance rates, seems lilke for everything, including boats. Why so much more? I know about hurricanes, but this is ridiculous,.

Insurance rates are different in each state.

Florida is one of the more expensive states to live in (insurance wise). There’s a dense population so car insurance rates are higher and there’s a lot of coast line so hurricanes are a big risk.

Just like property values are not the same in each state – neither is insurance. A 1300 SF house does not cost the same in South Carolina or Virginia as it does in Florida or New York. You move from SC to New York and you get much less house for the same money. Same thing happens with insurance. Insurance rates are based on the risk for that particular area. And Florida has more risk than Virginia so the insurance there is much more expensive.

Rates are also affected by the legal environment of the state. Florida is a plaintiff friendly litigious state. When you get that, it’s going to cost more.

Additionally, Florida is a PIP state and I don’t think Virginia is. PIP was originally intended to help keep rates down…but that really did not work. Since Florida only has 10K in PIP coverage, it’s still pretty easy to break threshold and sue.

Congrats on your move.

3 points on license auto insurance rate increase


In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?
I got a ticket for improperly changing lanes and I’m electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

The points you get on your license have NOTHING to do with your insurance. You will be charged for a conviction. Not having those points will keep you further away from losing your license, but if your not in danger of losing your license I wouldn’t bother with the course.

The ONLY way to not get hit for the violation on your insurance is to be found NOT GUILTY, and pay no fine.

As far as how much your ins. will increase, every company does it differently. It may go up a lot, a little or not at all. Call them and ask, they should be able to “quote it”

What is the auto insurance rate for a 16 year old in Florida?

I live in Florida, let’s say a Toyota RAV4 2008 is what I’m driving, I plan to drive around locally, I think my family has all-state. (Excluding discounts).

Also about discounts, does driver’s ed act as a discount? If so, how much? I’m pretty sure I meet the GPA requirement, are there any other discounts a 16 year old could apply for?

There are so many variables that no one can give an answer.

Starting off, there’s the insurance company itself. Each can charge its own rate.

There’s also where you live. If you live in Miami, you’ll have a higher insurance rate than someone who lives in the panhandle.

If you’re a boy, you’ll pay more than if you’re a girl.

Also, are your parents adding you to their policy? If so, that’ll affect your rate.

The only true way to know is to contact your insurance company and ask.

Unearned premium charges

Can auto insurance companies charge for unearned premium in Florida and when can they?
They can if the state allows for a short rate cancellation. That usually means they can keep up to 10% of the unearned premium for cancelling early. This is usually for insured requested cancellations, not company requested (like nonpayment). This is mostly done on auto policies but not homeowners policies. It is up to the company if they want to charge it. Some companies like Progressive charge a flat cancellation fee.

Is auto insurance in Florida required after october 2007

okay heard a rumor that as of october 2007 NO auto insurance is required in the state of florida…. anyone else heard of this ?

No, this is not true.

Florida auto insurance laws
Florida is a partial no fault state. The no-fault portion of your coverage pertains to bodily injuries, meaning that in the event of an accident, each party is responsible for their own medical bills and other costs related to the injuries sustained in the accident.

In turn, your right to sue the other party is limited.

Florida auto insurance laws require all drivers to carry property damage liability and personal injury protection (PIP) policies. Property damage liability covers the damage you cause to another’s property, and you must carry a minimum of $10,000 in coverage.

PIP covers your injury-related expenses, regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses.

$10,000 worth of PIP is required, although you may be able to increase your benefits by purchasing more. Some drivers may choose to decrease their premium by applying a deductible to the coverage or by excluding the loss of wages benefit.

Florida auto insurance laws may also require that certain drivers carry bodily injury liability. This coverage helps pay for the cost of injuries you cause to another in an auto accident. Drivers with previous accidents or violations may be required to carry this type of coverage.

Bodily injury liability (BIL) carries a minimum of 10/20. (That’s $10,000 per person for injuries you cause to the other party, up to $20,000 total.) However, these are only minimums, and higher limits are recommended. Drivers who aren’t required by law to purchase BIL are strongly urged to consider doing so for their own financial protection.

Florida auto insurance companies will also offer optional coverages such as collision, comprehensive, and uninsured and underinsured motorists coverage.

i can’t pay my auto insurance

My insurance will cancel if I don’t pay it today. I don’t have the money, and I need my vehicle for work. What options do I have? I am self employed, and I need my vehicle to do the jobs when they come in.

If your insurance isn’t paid, they will cancel and notify the state.

Then, according to the official web page of the state of Florida:

What if I fail to keep insurance on my vehicle that I have registered in Florida?

The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle license plate and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?

Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

If you can’t afford insurance now, cancel your insurance so they won’t report to the state, park the vehicle off road and notify them it isn’t being used. You may have to turn your plates in.

Or borrow against your potential income and pay the bill and avoid all the drama.

Does Florida auto insurance windshield coverage

I need an argument solved. I was on interstate and some rocks/debris flew off truck in front of me and damaged my windshield. everyone keeps telling me that my insurance will cover the windshield to be replaced but I do not see this in my policy at all. I only carry the basic minimum needed to insure car. Is there something I am missing or does anyone what these other people are talking about? I do not carry comp or collision.

In your case, unfortunately not. You don’t have comprehensive nor collision coverage.

Florida Statute 627.7288 states that the deductible shall not apply to windshield damages. However, you must have either comprehensive or collision coverage. A policy that provides liability coverage only will not cover your windshield.

Do I really need auto insurance in Miami Florida?

Auto insurance is really expensive, do I really need it?
I live in Miami, Florida and prices on auto insurance are through the roof. Can I get in any really serious trouble if I drive without auto insurance for a while until I can actually afford it.

Yeah the prices are insane over here but it is very important that you have insurance, if not you could get into trouble say there is a reckless driver and you have an accident, you need help or say you are stopped by a cop, you cold get into trouble for not having insurance.Try this, it helped me save a really substantial amount of money. I used to have Allstate but I felt they were ripping me off I had all these stupid plus stuff I was paying for and didn’t even need it, so I heard that Geico was less expensive so I gave them a call after checking them out online. I got the minimum coverage with them and I am saving a lot of money!
you should check it out or see if your company can give you a downgrade and. say instead of covering a certain amount of money you can get them to cover less and it will be cheaper. But be sure to do this if you have caution when driving and dont srive like a crazy person. Try not to get any fines or into any accidents and that will keep the rates lower.
Hope it helps and that you understood what I wrote because I know I tend to not make sense some times lol
GOOD LUCK =D

Florida Auto Insurance Laws what’s the deal with the minimums?

Florida Auto Insurance Laws seem a little scary to me. Is it correct that Florida only requires 10,000 and 10,000 for minimum coverage?
I was in an accident in a state with 25,000 & 50,000 for the minimums and even though I was not at fault I ended up still owing 40,000 after the insurance paid the full policy. It was explained that if all you carry is the minimum coverage than that’s what you get…How can it be only 10,000 & 10,000 in Florida?

Hello Beth,

You are indeed correct about the minimum mandatory coverage in Florida being 10,000 (Personal Injury Protection) and 10,000 (Property Damage Liability). Each states legislature determine the auto insurance laws for that particular state. Every auto insurance policy carries a provision that increases the coverage on your policy to comply with the minimum of the state your driving in. As long as you have a valid auto insurance policy you can cross state lines and be in compliance with that states minimum requirement.

Besides the minimum mandatory requirement in Florida (No Fault Law) there is another law in Florida you should be aware of called the Financial Responsibility Law. This law states that a driver who carries 10,000 per person and 20,000 per accident of bodily injury liability, in addition to the minimum mandatory No Fault, is conducting themselves in a financially responsible manner. If your at fault in an accident, causing injuries, and are in compliance with the Floirda Financial Responsiblity law the state will take no adverse action against you, such as suspending your license until you pay the injured party. This in no way means that the injured party couldn’t sue you for more than the insurance you carry but the State of Florida will leave you alone.

From your own personal experience you can see that being in compliance with Florida’s No Fault and Financial Responsibilty Laws does not adequately protect you if you’re in a serious accident. Higher liabilty limits as well as uninsured motorist coverage should always be carefully considered when purchasing an auto insurance policy.

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