Florida Driver's Handbook, Section 3: Insurance, DUI and the Point System
The laws you must follow to keep your license: required insurance, curfews for minors, DUI and implied consent, seat belts, speeding, school buses and the point system.
Summary written by MyPermitExam from the official handbook, rev. 08/2023. Not a copy of the handbook. Checked Oct 2026. Not affiliated with the DMV. Official Florida Driver License Handbook
Key rules
- You must carry at least $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. p. 23
- Curfews: at 16, no driving from 11 p.m. to 6 a.m.; at 17, from 1 a.m. to 5 a.m., unless going to or from work or with a licensed driver 21+. p. 25
- A BAL of .08 or more, or refusing a test, leads to an administrative suspension at the time of arrest. p. 25
- By signing your license you agreed to be tested; a first refusal means a one-year suspension, a second one 18 months and a misdemeanor. p. 26
- Zero tolerance: drivers under 21 with a BAL of .02 or more lose their privilege for six months. p. 26
- Seat belts are required for the driver, front-seat passengers and all passengers under 18; children under 4 ride in a safety seat. p. 28
- Passing a stopped school bus costs at least $265 (or $465 on the children's side) plus 4 points and a driver improvement course. p. 27
- Points lead to suspensions: 12 in 12 months, 30 days; 18 in 18 months, 3 months; 24 in 36 months, one year. p. 29
- Speeding fines double in school and construction zones, and the top speed limit anywhere in Florida is 70 mph. p. 29