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If I'm a snowbird in Florida, what do I do about car insurance?
I spend about four months a year in Florida. Do I need to purchase insurance in the state?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Anyone who has a vehicle in
Florida
for more than 90 days a year (and they don’t have to be consecutive days) is required to register the car and meet the Florida state car insurance minimum requirements
. So even if you’re in the state about four months a year, you’ll need to purchase
car insurance
and register your car there. You can surrender the plates and registration upon your return or keep minimum coverage if you plan on leaving the vehicle there. To avoid re-registering your vehicle every four months in Florida or your other home state, you may want to consider keeping a vehicle in Florida permanently. That way, you can maintain minimum coverage while you’re away and increase your coverage (if you want) when you move back.
Before traveling to Florida, check your home state’s requirements as well. Their laws may vary and you could avoid having to constantly switching insurance every few months if the requirements are the same as Florida’s.
If you’d like help shopping for car insurance in Florida or at home, use the
Jerry
app. Jerry collects quotes from up to 50 top insurance providers and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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