A buyer's order can have a dozen lines on it, and they're not all the same kind of charge. Some are set by the government. Others are set by the dealer. Knowing the difference helps you compare offers fairly.
Government charges
- Sales tax: Florida's 6% plus any county surtax (in Bay County, 1% on the first $5,000)
- Title fee and registration (tag) fees, paid to the state through the tax collector
- Florida's $225 initial registration fee, if you're getting a new plate rather than transferring one
These amounts are set by law and are the same whichever dealer you buy from.
The dealer fee
Most Florida dealers charge a dealer fee, sometimes called a predelivery or documentation fee. Florida law requires any document that lists a predelivery service charge to say: "This charge represents costs and profit to the dealer for items such as inspecting, cleaning, and adjusting vehicles, and preparing documents related to the sale."
In other words, it's part of the dealer's price, not a government fee. Amounts vary widely from dealer to dealer. A dealer may not remove it, but you can negotiate the vehicle price to account for it.
Add-ons
Items like window etching, paint or fabric protection, nitrogen-filled tires, service contracts and GAP coverage are optional products. If you don't want one, you can ask for it to be removed. If a dealer says one is required, ask to see that in writing.
Compare by out-the-door price
The only fair way to compare two offers is the out-the-door price: the total you'll pay including the vehicle, every fee, tax, tag and title. Ask each dealer for it in writing, itemized, before you visit.
Last reviewed October 2026. Fees and rules can change — confirm current amounts with the Bay County Tax Collector or your lender before you buy. This guide is general information, not legal, tax or financial advice.