Vehicle Registration But Living Out of State

Vehicle Registration But Living Out of State


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Old 02-03-2019, 10:11 AM
Fraugoofy Fraugoofy is offline
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Join Date: Sep 2012
Posts: 1,501

Florida vehicle insurance is nearly double what I pay in Wisconsin.

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Old 02-03-2019, 10:23 AM
tophcfa tophcfa is offline
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Join Date: Feb 2015
Location: The Berkshires of Western Massachusetts and the Villages
Posts: 876

We live in both Massachusetts and the Villages and have a car we leave in Florida registered with Florida plates. The car should technically be registered in the state where it is primarily garaged. The insurance in Florida is a little higher for us, but not much. As mentioned by others, Florida does not require an annual inspection or emission test like Massachusetts, so having it registered in Florida saves us a major headache and lots of money. Our cars check engine light is on because of a code that says it needs a new catalytic converter, which is very expensive to replace. The catalytic converter does not at all make the car run any better so we ignore the light at the advise of our mechanic. If the car was registered up north it would fail inspection until the catalytic converter was replaced.
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Old 02-03-2019, 10:53 AM
queasy27 queasy27 is offline
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Join Date: Mar 2011
Posts: 545

Just a note that you aren't required to go to the office in the county where you reside; any office is fine if you happen to be out and about. There is a large fee of $200-300 (as I recall) the first time you register, but typically around $50 in subsequent years. After the initial registration you can easily renew online.

My insurance here is pretty much the same as it was in Texas.
Old 02-03-2019, 10:57 AM
EdFNJ EdFNJ is offline
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Join Date: Nov 2016
Location: Bailed out of NJ after 68yrs and headed south.
Posts: 1,128

Originally Posted by linkie View Post
If you are from NYS, you can have your car titled, registered and leave it here. Because it will have no NYS inspection, you will not be able to drive it back to NY unless you get it inspected immediately. I've been doing this now for two different registration periods and have had no problem.

HUH? If it is REGISTERED AND PLATED AND INSURED in FL you can't drive it in NY without inspection? Makes no sense. What am I (and thousands of New Yorkers who travel north who have homes here) missing?
Old 02-03-2019, 12:30 PM
pauld315 pauld315 is offline
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Join Date: Aug 2007
Location: NY, FL, PA, TX, NC, TV
Posts: 999

Originally Posted by dewilson58 View Post
If you plate in Florida, you must have Florida insurance. I found Florida insurance was significantly higher than up North.
Plus, when you go in to register a car you are bringing in from another state for the first time there is a 225 dollar tax. By the time you register it you will end up spending about 350 for a two year registration. I just did 2 cars last year. Insurance was almost double what I paid in NC.
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Old 02-03-2019, 12:47 PM
Joeg180 Joeg180 is offline
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Join Date: Jun 2018
Location: Upstate NY, Village of McClure
Posts: 141

My payment was $488.50 for register my car from NY last month. My tags are good until 2021.

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Old 02-03-2019, 07:55 PM
GatorFan GatorFan is offline
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Join Date: Jul 2007
Location: The Villages
Posts: 703

Some insurance companies will suspend coverage’s not required while your vehicle is not used. (Leave in your garage when you go back up North)
Old 02-03-2019, 09:27 PM
B-flat B-flat is offline
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Join Date: Feb 2018
Location: Calumet Grove and Johnston, RI
Posts: 261

Property tax per year on our van is $625 per year, $60 per year for registration and $120 every 2 years for state vehicle inspection.
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Old 02-04-2019, 04:00 PM
Duppa Duppa is offline
Join Date: Aug 2012
Location: Pennsylvania, new home in the Village of Osceola Hills
Posts: 72

Originally Posted by JerryP View Post
If they are from a northern state chances are they have an annual inspection process to go through. If they don’t register in FL. they would need to do a yearly trek north to get it inspected.
In Pennsylvania there are no requirements for an annual inspection of a PA plated car kept out of state... We kept our PA plated car in our TV garage for use here for three years. BUT, here's the thing: if you bring the car BACK INTO PA, you have 30 days to get the inspection.

Also, on the insurance; we have ALLSTATE, when we went back to PA (without our car), we "turned off" our regular insurance for the TV car in garage and SAVED a ton!

Check with your insurance company in the North... again, for at least Pennsylvania, you can keep your PA plated car in FL without any issues.
Old 02-04-2019, 04:11 PM
dblwyr dblwyr is offline
Senior Member
Join Date: Jul 2009
Posts: 131

Interesting discussion. If you want to register your vehicle in Florida but do not have legal domicile in Florida, it can be problematic. The state where domicile is held may (at least some states do) have processes in place to identify those registering vehicles in a state they are not legal resident to avoid taxes in their resident state. They will penalize according to their laws
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vehicle, what’s, state, living, registration

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