If you drive a vehicle frequently but do not own it, Florida allows you to buy a non-owners policy to satisfy minimum liability car insurance requirements. You can also purchase a non-owner policy alongside filing an SR-22 or FR-44 in the state to fulfill a court order and get your license reinstated.
Non-Owner Car Insurance Florida
Updated: October 29, 2024
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Key Takeaways
Florida allows you to get non-owner coverage that provides minimum liability coverage for drivers who don’t own a vehicle but use one frequently.
The cheapest non-owner car insurance providers in Florida are GEICO, Travelers and Allied Insurance.
On average, non-owner car insurance in Florida costs $886 per year for those with clean driving records and $1,164 for those needing an SR-22.
Why Trust MoneyGeek? MoneyGeek sourced data from Quadrant Information Services and examined 240 car insurance quotes from five providers to identify the best and most affordable car insurance companies in Florida. Learn more.
240Quotes Analyzed
5Providers Compared
Does Florida Allow Non-Owner Car Insurance?
FLORIDA MINIMUM INSURANCE REQUIREMENTS
Florida's minimum car insurance requirements also apply to non-owner car insurance policies. These limits include:
- $10,000 for personal injury protection (PIP)
- $10,000 for property damage liability (PDL)
Minimum coverage insurance may not always provide enough protection for all policyholders. MoneyGeek recommends drivers consider how much coverage they need before buying their policy.
Cheapest Non-Owner Car Insurance in Florida
GEICO is the cheapest non-owner car insurance provider in Florida 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.
| 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. In the table below, you can compare other low-cost providers.
| GEICO | $638 | $53 |
| Travelers | $1,037 | $86 |
| State Farm | $1,038 | $87 |
| Allied | $1,047 | $87 |
| Nationwide | $1,047 | $87 |
| Progressive | $2,177 | $181 |
WHAT IS SR-22 INSURANCE?
An SR-22 is not a type of insurance but a document that insurance companies file with your state's DMV, also known as an SR-22 Certificate of Financial Responsibility (CFR). This form proves that you have insurance coverage meeting your state's minimum liability requirements. To be allowed to drive, your state may require you to carry an SR-22 if you've been cited for driving without insurance or convicted of a DUI or another major traffic offense.
Florida Non-Owner Car Insurance Buyer 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 specific type of car insurance policy designed for individuals who do not own a car but drive frequently. It provides liability coverage in Florida, protecting from claims for property damage or bodily injuries to others when driving a vehicle you do not own. Below is a side-by-side summary of the coverages for a standard and non-owner policy so you can compare.
Policy Coverage | Standard Policy | Non-Owner |
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How Much Is Non-Owner Car Insurance in Florida?
The average monthly cost of non-owner car insurance in Florida is about $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.
Should You Get Non-Owner Car Insurance in Florida?
Non-owner car insurance is worth considering if you don't own a car 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.
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 type of insurance can be useful when a driver may not have continuous coverage, such as when transitioning between vehicles. It provides financial protection during these periods, ensuring the driver is covered regardless of the car. It can also help maintain continuous insurance coverage, essential for obtaining lower premiums when you purchase a standard car insurance policy later on.
License reinstatement-seekers
Non-owner car insurance can be a crucial tool 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.
AVOID ONE-DAY CAR INSURANCE
Be wary of providers offering "one-day insurance" in Florida. This is not an actual insurance product available in Florida and can indicate insurance fraud. Buying insurance through the car rental company is much safer if you only need temporary coverage, such as for a move or a road trip.
Florida Non-Owner Car Insurance: Bottom Line
Florida offers non-owner car insurance options for most drivers, even those that need SR-22s and FR-44s. If you need this coverage, GEICO will likely be your cheapest option, but Travelers and State Farm also have affordable rates. Comparing multiple providers and their quotes will help you get the best deal.
Non-Owner Car Insurance in Florida: FAQ
We answered some frequently asked questions about non-owner auto insurance policies in Florida below.
Which company offers the cheapest non-owner car insurance in Florida?
Charging $41 per month, GEICO offers the most affordable non-owner car insurance in Florida for drivers with clean records. It’s also the cheapest for drivers with violations on their records, with rates averaging $53 per month.
How much does non-owners car insurance cost in Florida?
The average cost of non-owner car insurance for Florida drivers with clean driving records is $886 per year or $74 per month. The average cost of a non-owner SR-22 policy is around $1,164 annually or $97 monthly.
Florida Non-Owner Car Insurance Providers: Our Methodology
MoneyGeek compiled Florida auto insurance rates by collecting relevant data from the Florida Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the best and most affordable car insurance companies in Florida.
Coverage Levels
We used minimum coverage policies to compare non-owner car insurance rates from companies in Florida. Florida’s required minimum coverage car insurance limits include:
- $10,000 for personal injury protection (PIP)
- $10,000 for property damage liability
Drivers and Cars in Florida
To find the best and most affordable auto insurance 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 score
- 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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.