Florida Insurance Requirements

Received a Letter




All licensed insurance companies who report to FLHSMV provide the policy initiation or cancellation electronically.

If your insurance company notifies us that you cancelled or removed a vehicle from a policy, and your vehicle has a valid Florida registration and no other active Florida policy is reported by another insurance company, the department sends a letter notifying you to provide the required insurance coverage information. You may also receive a letter from FLHSMV to verify your insurance because of a crash or receiving a citation for driving without proof of insurance.

If you canceled or removed the vehicle from a Florida policy because:

  • You no longer own the vehicle and don’t anticipate transferring the Florida tag to another vehicle, please surrender the Florida tag at a driver license and motor vehicle service center or tax collector office.
  • The vehicle is inoperable or otherwise not being driven on public roadways, you must surrender the Florida tag and registration immediately upon cancelling the Florida insurance at a driver license and motor vehicle service center or tax collector office.
  • You moved to another state but kept your Florida tag and registration on the vehicle. You must register the vehicle in your new state of residence.  For a vehicle to maintain a Florida registration, it must be insured in Florida unless you are an active-duty military member (including a spouse or dependent) and currently stationed in another state.

If you have received a Notice of Suspension regarding an insurance case, the links below will provide information on how to keep your license and registration valid.  If you do not have the Notice of Suspension, you can view a copy of the letter by creating a new account, or accessing your existing account, at MyDMVPortal.flhsmv.gov. Your letter will provide a ‘FR Sanction’ number. The first digit in this number tells you what kind of FR sanction you have. Click the link that matches the number of your FR sanction.

FR Sanction Starting with 1FR Sanction Number Starting with 2: Driving Without Proof of Insurance
FR Sanction Starting with 7FR Sanction Starting with 8
FR Sanction Starting with 9