Updated: January 14, 2026
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Travelers, State Farm, GEICO, Metropolitan Group and Nationwide provide the most affordable temporary car insurance for drivers in Florida. Purchasing a standard six-month policy and canceling early is a common approach to short-term coverage.
The average cost of a three-month car insurance policy in Florida is around $303 for minimum coverage and $729 for full coverage. Canceling early adjusts costs based on your coverage period.
If you need temporary coverage but don’t own a car, rental or non-owner car insurance can provide alternatives.
True temporary car insurance isn’t available in Florida, but drivers can still find short-term coverage options. One common approach is to purchase a standard auto policy and cancel it early if it’s no longer needed.
Some insurers also offer flexible monthly plans. Rental car insurance or non-owner policies are good alternatives for those without a vehicle.
Most auto insurance policies in Florida are written for six months, but some drivers only need coverage for a shorter period. MoneyGeek analyzed pricing for policies lasting one month and three months to estimate the cost of temporary car insurance in Florida. These shorter-term policies are usually structured as standard policies that are canceled early rather than true standalone temporary coverage.
Short-term insurance costs more per month than a six-month policy. Insurers price these policies higher because they assume greater risk and less long-term commitment from the driver.
MoneyGeek’s analysis shows Travelers has the lowest average cost for temporary car insurance in Florida. A three-month full coverage policy with 100/300/100 limits and a $1,000 deductible averages $337, while a one-month policy averages $112.
Other major insurers charge significantly more for short-term coverage, with several exceeding $400 for three months and companies like Progressive and Allstate topping $1,000. These price gaps show how much more expensive car insurance becomes when coverage periods are shortened.
| Travelers | $112 | $337 | $675 |
| State Farm | $136 | $407 | $814 |
| UAIC | $161 | $482 | $963 |
| Metropolitan Group | $163 | $488 | $975 |
| Nationwide | $168 | $505 | $1,010 |
| Mercury Insurance | $198 | $593 | $1,186 |
| Geico | $203 | $610 | $1,220 |
| AIG | $289 | $866 | $1,732 |
| Farmers | $328 | $983 | $1,967 |
| Progressive | $354 | $1,063 | $2,126 |
| Allstate | $380 | $1,141 | $2,281 |
Florida's car insurance rates vary dramatically by location, with some cities costing nearly four times more than others. Many factors drive these rate differences across Florida cities, including population density, traffic patterns, crime rates, vehicle theft statistics, weather-related exposures and local accident frequency. Find your city below and see the average car insurance costs in your area.
| State Minimum Liability Only | $58 | $174 | $348 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $136 | $408 | $816 |
While there's no specific way to secure temporary car insurance in Florida, MoneyGeek's research identifies several ways to get the coverage you need.
In most states, insurers only sell car insurance policies with a minimum period of six months. In Florida, drivers pay an average of $606 for a six-month temporary policy with minimum coverage. You can only get short-term policies by canceling your temporary coverage early.
Insurance providers will refund the balance of your policy premium from the time of cancellation. For instance, if you purchase temporary coverage for six months but cancel after three months, you'll pay roughly half the six-month cost.
When canceling your temporary policy, make sure your coverage doesn't lapse, since this can result in higher annual premiums.
Most Florida insurers charge little to no fees when you cancel your six-month policy early. Average cancellation fees range from $0 to $50, with many major insurers offering free cancellation as a competitive advantage.
If you don’t own a car but need proof of insurance before your suspended license gets reinstated, non-owner car insurance is the best option in Florida. The state's non-owner car insurance costs $1,821 per year for minimum coverage and $3,662 per year for full coverage.
Non-owner insurance is the most affordable policy for drivers who don’t own cars but need to file an SR-22 in Florida. This coverage follows you as a driver rather than being tied to a specific vehicle, making it perfect for temporary situations requiring ongoing flexibility.
If you already have car insurance, you might not need to buy rental car insurance because your policy should cover the costs if you get into an accident.
Many credit card companies offer collision damage waiver insurance for rental cars, which can help you save money. Rental car insurance can be purchased directly from rental companies or through your existing auto insurance policy if it includes rental coverage.
Florida drivers who work for a rideshare company get temporary insurance coverage once they accept a fare or start transporting a passenger. This leaves a lapse in coverage between fares, and rideshare insurance can help fill this gap.
If you're driving for companies like Uber or Lyft, rideshare insurance bridges the coverage gap between your personal policy and the company's commercial coverage.
Rideshare insurance policies vary by state, and you can use MoneyGeek's comparison to select the best rideshare provider for your needs in Florida.
If you already have auto insurance in Florida but need to add or remove coverage, change your existing policy. Drivers typically want to know about short-term car insurance if their teenager goes to college, when they are storing their vehicle or if someone is borrowing their car.
Beyond traditional auto insurance, Florida drivers have access to innovative coverage options that can be more cost-effective for specific situations. These alternatives are valuable if you drive infrequently, need very short-term coverage or want to pay only for the miles you actually drive.
Pay-as-you-go insurance lets you activate coverage only when you need it, making it perfect for Florida drivers who don't drive daily or need coverage for specific trips. You pay a small monthly fee to keep the policy active, then pay-per-use rates when you activate coverage through a mobile app. This works well for college students who drive occasionally, seniors who only drive for errands, city dwellers who primarily use public transportation, or people borrowing a friend's car for a weekend trip.
Pay-per-mile coverage charges a low monthly base rate plus a per-mile fee, which can save you hundreds of dollars annually if you drive less than 7,000 miles per year. A small device plugs into your car's diagnostic port to track mileage, and you're charged only for miles driven, not time parked. This option works well for remote workers, retirees, or anyone who primarily drives locally rather than commuting long distances.
Most major insurers in Florida offer usage-based insurance (UBI) programs that monitor your driving habits through a mobile app or device to determine rates. These programs track factors like hard braking, rapid acceleration, speed, and time of day to reward safe driving behaviors. UBI programs can reduce your premiums for safe drivers while providing immediate feedback on driving habits and encouraging better road safety.
If you're borrowing a vehicle occasionally, the owner's insurance may cover you under permissive use provisions, though this shouldn't be relied upon for regular driving.
In Florida, obtaining temporary car insurance involves purchasing a standard six-month policy and canceling it early. Companies like Travelers offer one-month minimum coverage for $51. Non-owner or rental car insurance can also provide short-term solutions.
Temporary car insurance provides coverage to car owners and non-car owners alike. Here are commonly asked questions about temporary coverage in Florida.
You can get temporary car insurance in Florida, depending on your needs. The minimum duration for the coverage is six months, but you can reduce the period by canceling your policy early for a refund.
Most insurers will refund your premium if you cancel your car insurance before six months. However, depending on your insurer, you may face cancellation fees ranging from $0 to $50.
Month-to-month car insurance policies can continue indefinitely as long as you pay premiums on time. However, monthly policies cost more per month than six-month policies, so they're best for situations where you need flexibility rather than long-term coverage.
You can extend coverage by purchasing a new policy before your current one expires. Many insurers offer seamless renewals, and maintaining continuous coverage helps avoid rate increases associated with coverage gaps.
Non-owner insurance provides liability coverage when you drive borrowed or rental cars but don't own a vehicle. Policies last six months but serve as temporary coverage for people between vehicles or those who drive infrequently.
Urban areas like Miami and Fort Lauderdale have higher rates due to increased traffic density, crime rates and accident frequency. Rural North Florida cities offer lower rates because of reduced risk factors. Your location can impact monthly premiums by $50 to $80 or more.
Yes, higher deductibles reduce monthly premiums, but ensure you can afford the out-of-pocket cost if you need to file a claim. For short-term coverage, consider whether the premium savings justify the increased financial risk.
Full coverage is required for financed or leased vehicles. If you own your car outright, you can choose liability-only coverage, but consider your vehicle's value and your ability to replace it without insurance assistance.
Finding short-term car insurance in Florida isn't straightforward. Most major insurers don't offer policies under six months, and temporary coverage options can be confusing. We designed our research to help Florida drivers understand what coverage is available and how much it costs.
We gathered Florida auto insurance rates using data from the Florida Office of Insurance Regulation and Quadrant Information Services. This combination gives us both regulatory pricing data and market insights specific to Florida's insurance landscape.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
