Auto Insurance Requirement for Snowbirds

Auto Insurance Requirement for Snowbirds

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Auto Insurance Requirement for Snowbirds
  #1  
Old 09-09-2019, 05:51 PM
ydnar9 ydnar9 is offline
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Default Auto Insurance Requirement for Snowbirds

I didn't know this:

With what I can see, if you are a snowbird and your permanent residence is in another state and you are in Florida for over 90 days in a year you have to register your car in Florida and get auto insurance in Florida.

Car Insurance for Snowbirds | Fox Business

Just found out this also, if you are a Florida resident and in Michigan for over 30 days you have to have auto insurance in Michigan, and if you are in Michigan for over 90 days, your car has to be registered in Michigan.

Out of State Car Insurance Coverage: Is It Illegal In Michigan?

I would think other states have similar laws.

A snowbird can stay in Arizona up to 7 months and not need to get insurance there or register your car there.

Snowbirds and vehicle registration laws in Arizona
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  #2  
Old 09-09-2019, 06:00 PM
retiredguy123 retiredguy123 is online now
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You are correct. There is another detailed thread on this topic. It appears that there are a lot of snowbirds who routinely violate Florida law by maintaining and driving cars for more than 90 days with out-of-state registration and insurance.
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Old 09-09-2019, 10:02 PM
tophcfa tophcfa is offline
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Insure your car where it is primarily garaged, which means for the longest period of time each year. We have two cars registered in MA and one in FL. One car up north has never been to the Villages, and the other we drive to FL twice every year for a way too short visit. Our car registered in FL gets driven up north every May and returns to Fl in October for the winter. If your car is registered up north and is garaged up there for more than half of the year, then you are good. Who is going to prove that your car was in Florida for more than 90 days if you are a snowbird? As long is the vehicle is garaged up north for more than half of the year you should be all good.
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Old 09-09-2019, 10:14 PM
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manaboutown manaboutown is online now
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It's all about the money, registration fees and insurance.
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Old 09-10-2019, 03:49 AM
Two Bills Two Bills is offline
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Day 89 take a day trip to Georgia, have lunch, keep bill as proof of leaving Florida, come back to another 90 days!
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Old 09-10-2019, 05:46 AM
retiredguy123 retiredguy123 is online now
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Quote:
Originally Posted by Two Bills View Post
Day 89 take a day trip to Georgia, have lunch, keep bill as proof of leaving Florida, come back to another 90 days!
Unfortunately, that plan doesn't make it legal, because the 90 day rule is for the entire year, not 90 consecutive days.
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Old 09-10-2019, 06:16 AM
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Bay Kid Bay Kid is offline
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Another good reason for me not having a car in The Villages.
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Old 09-10-2019, 07:30 AM
Gpsma Gpsma is offline
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Quote:
Originally Posted by Bay Kid View Post
Another good reason for me not having a car in The Villages.
So how do you get around? Golf cart can only get u so much?
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Old 09-10-2019, 08:50 AM
justjim justjim is offline
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It’s one of those “laws” like jaywalking. Legally your not suppose to jaywalk either and, of course, it’s not strictly enforced.
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Old 09-10-2019, 10:25 AM
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I wonder if the insurance company would balk on paying a claim if they were aware or suspected the car was in a location for more than 90 days.
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