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In order to use our online registration renewal service, your insurance information for your car or truck must be "on file" with the Department of Motor Vehicles. (This means that you have a current Florida insurance policy for your car or truck written by a Florida agent who regularly notifies the Department of Motor Vehicles of your continued insurance coverage.)
Visit our online registration renewal service within 3 months of your expiration month to confirm your insurance is "on file". If renewing by mail, you must complete the insurance affidavit on the back of your renewal notice(s) for any motor vehicles that require it. (Refer to the special message area of the notice for details.)
If renewing in person, you must always be prepared to present a current Florida insurance card or the complete policy for all motor vehicles being renewed. The card/policy must include the policy number, state of issuance, expiration date and a listing of vehicles covered by VIN.
Please note that large commercial trucks with gross vehicle weights of 26,001 lbs. or more require additional insurance coverages that must be indicated on a Certificate of Insurance document that is required when renewing by mail and in person. These types of vehicles may be prohibited from renewing online.
Why does my renewal notice say that my insurance is not on file?
Insurance companies are required by law to report insurance coverage to the Department of Motor Vehicles (DMV). If your renewal notice indicates that your insurance is not on file, compare the Vehicle ID Number (VIN) on your registration to the one on your insurance/policy. (This is the most common discrepancy that causes insurance to not be on file for a motor vehicle.) If there are discrepancies, contact your insurance agent and ask that they follow up with the DMV at (850) 617-2000 to resolve the issue. If the VIN is correct on both documents, contact your insurance agent and advise them that the DMV is unaware that you are insuring the motor vehicle. Ask that they follow up with the DMV at the phone number listed above.