Reader’s Question:

I have a NY driver’s license and I will be attending college in Miami, Florida, should I keep my vehicle insured with NY or do I need to have it changed to Florida. Do they offer auto insurance for college students?

Andrew

Miami, FL

You can continue to keep your New York policy if this is temporary situation.

According to the Florida Department of Highway Safety and Motor Vehicles any individual who has a car in Florida for more than 90 days during a 365-day period must buy personal injury protection (PIP) and property damage liability insurance coverage.

Therefore as a college student from New York if you keep your New York insurance you will still have to make certain that you also have these coverages required by the state of Florida. So it is likely that it would be more affordable to register and insure your car in Miami, Florida since you could not only just place Florida insurance on the vehicle and since New York state does not accept out of state car insurance on New York registered cars.