Proof of insurance (binder, policy, or card) from a certified Florida agent or broker is required to purchase and renew a license plate in Florida. The vehicle owner must present to the tax collector documentation of personal injury protection (PIP) in the amount of at least $10,000 and property damage liability insurance in the amount of $10,000; when required, the vehicle owner must present combined bodily injury liability and property damage liability insurance. Motorcycles, mobile homes, and trailers are exempt from the insurance requirement.

There are special insurance requirements on large trucks, motorcycles, taxi cabs, and limousines. Please contact the tax collector’s office for more information.

Proof of Florida insurance must be verifiable as of the date of registration to avoid suspension of your driver license, license plate(s), and registration(s). Insurance purchased or binders issued at a later date will not prevent a sanction on your driver license:  Insurance purchased online or by phone must be bound on the registration date. Insurance courtesy coverage for replacement vehicles should not be relied upon.

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