Do I need auto insurance to apply for a FL drivers license? Florida

In most situations, you don't need to have your own car insurance policy when applying for a Florida drivers license.

FL Auto Insurance Laws Explained

Whatever car you're driving needs to be covered by an adequate amount of auto insurance. But, it doesn't necessarily have to be your own insurance. If someone else owns the car - such as your parents, guardians, relatives, or friends - they are required to carry the proper amount of insurance on the vehicle. In turn, they should verify that their policy will cover you as a driver should an accident occur.

However, you will need to provide proof of insurance when you seek to register your own car - just not when obtaining your driver license.

FL Car Insurance Requirements

In order to register a car you own, you'll need to provide proof of financial responsibility. This means having at least the following amount of coverage:

  • $10,000 bodily injury insurance per person
  • $20,000 coverage per crash
  • $10,000 property damage liability per crash
  • $10,000 personal injury protection (PIP) per person
Keep in mind these are the minimum limits. Most insurance experts recommend having much more coverage than this.

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