GEICO is Florida's cheapest non-owner car insurance provider for those with clean driving records. Its rates are 45% lower than the state average for minimum coverage. Below, you can compare minimum coverage rates from other affordable companies in the state.
Cheapest Non-Owner Car Insurance in Florida
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Florida: Key Takeaways
If you're filing for an SR-22 and need non-owner coverage, GEICO is the cheapest option, with monthly rates averaging $53.
Non-owner car insurance covers you when driving a vehicle you don't own and meets Florida's minimum auto insurance requirements.
Get a non-owner policy if you frequently drive borrowed cars, rent vehicles often or need to reinstate your license and can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Florida
| GEICO | $493 | $41 |
| Travelers | $765 | $64 |
| Allied | $815 | $68 |
| Nationwide | $815 | $68 |
| State Farm | $903 | $75 |
| Progressive | $1,526 | $127 |
Cheapest Non-Owner SR-22 Car Insurance in Florida
If you’re looking for an SR-22 non-owner policy, GEICO is likely your cheapest option for minimum coverage. The company offers rates 45% lower than the state average. The table below shows other low-cost providers for comparison.
| GEICO | $638 | $53 |
| Travelers | $1,037 | $86 |
| State Farm | $1,038 | $87 |
| Allied | $1,047 | $87 |
| Nationwide | $1,047 | $87 |
| Progressive | $2,177 | $181 |
How Much Is Non-Owner Car Insurance in Florida?
The average monthly non-owner car insurance cost in Florida is $74, 72% more than the national average of $43. However, an SR-22 non-owner policy in the state costs an average of $97 per month, 76% more expensive than the national average. Your premium may differ depending on your unique driver profile.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Florida Average Cost
Monthly Premium
$74On average, non-owner car insurance in Florida is:$31 more
This is 72% more expensive.
Florida Non-Owner Car Insurance: Buyer's Guide
To help you decide whether a Florida non-owners policy is right for you, we created a guide detailing what exactly non-owner car insurance is, how it differs from a standard policy, how much it costs and who it's typically best for.
What Is Non-Owner Car Insurance?
Non-owner car insurance is a type of car insurance policy for people who don’t own a car but drive often. In Florida, it provides minimum coverage for property damage and bodily injury claims when driving someone else’s vehicle. The table below compares coverages for standard and non-owner policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Florida Allow Non-Owner Car Insurance?
If you drive a vehicle frequently but don't own it, Florida allows you to buy a non-owner policy to meet minimum coverage car insurance requirements. You can also purchase a non-owner policy and file an SR-22 or FR-44 in the state to fulfill a court order and reinstate your license.
FLORIDA MINIMUM INSURANCE REQUIREMENTS
Florida's minimum coverage requirements apply to non-owner car insurance policies. These limits include:
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage liability (PDL)
Minimum coverage insurance may not always provide enough protection for all policyholders. Consider how much coverage you need before buying a policy.
Should You Get Non-Owner Car Insurance in Florida?
Non-owner car insurance is worth considering if you don't own a vehicle but drive one often. This type of insurance benefits those who rent cars, borrow cars from friends or family, need to keep their driver's licenses active or want to reinstate their driving privileges.
AVOID ONE-DAY CAR INSURANCE
Beware of providers claiming to offer "one-day insurance" in Florida. This product doesn’t exist in the state and may signal insurance fraud. For temporary coverage, like a move or road trip, buying insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner policy:
Car borrowers
Non-owner car insurance is ideal for those who occasionally borrow a car from a friend or relative. This policy covers the car's owner in the event of an accident, so you won't have to worry about potential losses. It can also provide additional liability protection and peace of mind when borrowing another person's vehicle.
Occasional renters
A non-owner policy can provide coverage for rental vehicles, so the driver doesn't have to worry about purchasing insurance from the rental car company.
Drivers between cars
This insurance is helpful for drivers without continuous coverage, such as during a transition between vehicles. It offers financial protection and helps maintain continuous coverage, which can lead to lower premiums when buying a standard policy later.
License reinstatement-seekers
Non-owner car insurance can be crucial for drivers trying to reinstate their licenses after a suspension. This type of policy can provide the necessary proof of insurance to get a license reinstated.
WHAT IS SR-22 INSURANCE?
An SR-22, also known as an SR-22 Certificate of Financial Responsibility (CFR), is not a type of insurance but a document that insurance companies file with your state's DMV. This form proves your insurance meets your state's minimum coverage requirements. States may require an SR-22 if you’ve been cited for driving without insurance or convicted of a DUI or other major traffic offense.
Cheap Non-Owner Car Insurance in Florida: Bottom Line
Florida offers non-owner car insurance options for most drivers, even those who need SR-22s and FR-44s. If you need this coverage, GEICO is likely your cheapest option, but Travelers and State Farm also have affordable rates. Compare multiple providers and their quotes to get the best deal.
Non-Owner Car Insurance in Florida: FAQ
Below, we answered some frequently asked questions about non-owner auto insurance policies in Florida.
Which company offers the cheapest non-owner car insurance in Florida?
GEICO offers the most affordable non-owner car insurance in Florida for drivers with clean records, charging $41 monthly. It’s also the cheapest for drivers with violations on their records, with rates averaging $53.
How much does non-owners car insurance cost in Florida?
Florida drivers with clean records pay an average of $886 per year or $74 per month for non-owner car insurance. A non-owner SR-22 policy costs about $1,164 per year or $97 per month.
Florida Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Florida auto insurance rates by collecting data from the Florida Office of Insurance Regulation and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Florida using minimum coverage policies. The state-required minimum coverage includes:
- $10,000 in personal injury protection (PIP)
- $10,000 in property damage liability
Drivers and Cars in Florida
To find the best and most affordable companies for non-owner car insurance in Florida, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
We modified the sample profile for SR-22 rates to include an at-fault accident causing property damage between $1,000 and $1,999.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.