What are the penalties for a fake insurance card in Florida?

My cousin doesn’t want to pay for insurance anymore and keeps joking that he’s just going to procure a fake one. I told him this is a very bad idea, but he doesn’t want to listen to me. What are the penalties in Florida for counterfeit insurance documents? I hope I can set him straight.

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Answer provided by
Maxine Boyko
Answered on Jun 06, 2022
You got that right—faking insurance is indeed a very bad idea! Fake proof of insurance is illegal and has serious consequences if you’re caught in Florida.
False or fraudulent proof of motor vehicle insurance is charged as a felony of the third degree. This typically holds a prison term of up to 5 years for the first offense and/or up to five years of probation. Habitual offenders usually receive a prison sentence of up to 10 years.
In addition to prison time, a person convicted of insurance fraud also faces the following monetary penalties:
  • Up to $5,000 in fines for a first-time offense.
  • Between $5,000 and $10,000 in fines for a second offense.
  • Between $10,000 and $15,000 for a third or subsequent offense.
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