State laws, insurance and documents: Florida FLHSMV written test practice
11 free practice questions on state laws, insurance and documents for the Florida FLHSMV written knowledge test, each with the correct answer and a short explanation. Study them here, then check yourself in the interactive quiz or the exam simulator.
1. Florida's minimum auto insurance requirements for a standard passenger vehicle are:
$25,000 / $50,000 bodily injury liability plus $10,000 property damage
✓ $10,000 Personal Injury Protection (PIP) plus $10,000 Property Damage Liability — Florida does not require Bodily Injury Liability for standard vehicles
$100,000 / $300,000 bodily injury liability only
No minimum coverage is required in Florida
Why: Florida is a no-fault insurance state and requires only $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) for standard vehicles—unlike most states, Florida does not mandate Bodily Injury Liability coverage (though it's required after a DUI conviction, at higher amounts, or when a court orders it).
2. In Florida, a bicycle or e-bike ridden at night must be equipped with:
No lighting is required if riding on a sidewalk
✓ A front white light visible from a set distance and a rear red reflector or light visible from a set distance
Only a rear light; front lights are optional
A horn instead of lights
Why: Florida law requires bicycles (and e-bikes) ridden between sunset and sunrise to have a front white light visible from a set distance and a rear red reflector or light visible from a set distance, so the rider can be seen by other traffic.
3. The standard speed limit in a marked/posted Florida school zone is:
10 mph
15 mph
✓ 20 mph
25 mph
Why: Florida school zones are typically posted at 20 mph during the times children are arriving at or leaving school, and this limit is strictly enforced.
4. During the first 12 months after receiving a provisional license, a driver under 18 is generally prohibited from:
Driving with any passengers at any time
✓ Transporting passengers under the age of 20 without an adult aged 25 or older present, and driving between 11:00 p.m. and 5:00 a.m. without a valid reason
Driving during the day on weekdays
Using a navigation system
Why: During the first 12 months, a minor driver is generally not permitted to transport passengers under the age of 20 without being accompanied by a licensed adult aged 25 or older, and may not drive between 11:00 p.m. and 5:00 a.m., except for valid reasons (work, school, or medical necessity).
5. An SR-22 is a financial-responsibility certificate an insurer files with the state on a driver's behalf. In Florida specifically, a driver convicted of DUI must instead usually file:
An SR-22, exactly like most other states
✓ An FR-44, which requires higher liability coverage — $100,000/$300,000 bodily injury and $50,000 property damage
No certificate at all — Florida has no such requirement
A federal EPA emissions waiver
Why: While an SR-22 is common nationwide, Florida requires drivers convicted of DUI to file an FR-44 instead, which mandates significantly higher liability limits ($100,000/$300,000 bodily injury and $50,000 property damage) than Florida's standard minimums.
6. In Florida, drivers are generally required to pass a vision screening:
Every time they refuel their vehicle
✓ When renewing their driver's license through FLHSMV
Only if they are over age 80
Only after receiving a traffic citation
Why: Florida generally requires a vision screening as part of the driver's license renewal process with FLHSMV to confirm a driver still meets minimum eyesight standards.
7. A funeral procession with its headlights on:
Has no special rights
✓ May proceed through an intersection in a convoy behind the lead vehicle, even if the light has changed
Must stop at every intersection
May drive in the oncoming lane
Why: Vehicles in a funeral procession with their headlights on usually travel in a column behind the lead vehicle, even if the light has changed—do not break up or cut in front of the procession.
8. A bus or streetcar stopped to pick up passengers on a street with one lane in each direction can usually be passed:
Only on the right
✓ Only on the left, if it is safe to do so and not prohibited by road markings
On either side, without restriction
You can't pass it; you have to wait
Why: If there is no separate lane for passing, you can usually pass a stopped bus or streetcar on the left, provided it is safe to do so and not prohibited by signs or road markings.
9. Regarding wearing headphones or earbuds in both ears while driving, Florida law:
Specifically bans covering both ears with headphones for all drivers, with a set fine
✓ Has no specific statewide law banning it, though it can still contribute to a careless or reckless driving citation if it creates a hazard
Only bans it for drivers under 18
Requires a special permit to use headphones while driving
Why: Unlike some states, Florida does not have a specific statewide statute banning headphone or earbud use while driving; however, if it distracts a driver and leads to unsafe operation of the vehicle, it can still be cited under Florida's careless or reckless driving laws.
10. Fatigue while driving is especially dangerous because it:
Has no effect on the driver's reaction time
✓ Slows reaction time and can cause a brief microsleep while driving
Affects only passengers
Is dangerous only at night
Why: Fatigue slows reaction time and increases the risk of “microsleep”—a brief, involuntary lapse into sleep while driving, which is enough to cause an accident.
11. On a multi-lane road, slower-moving traffic should generally:
Stay in the left lane at all times
✓ Keep to the right and yield the left lane to faster-moving traffic
Use any lane at random
Only use the left lane during rush hour
Why: Slower traffic is generally required to keep right, using the left lane(s) mainly for passing, so faster-moving vehicles can pass safely.