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Non-owner auto insurance provides coverage for individuals who don’t own a car but need to be insured. It provides liability coverage, benefiting drivers who only use a vehicle occasionally or lease a car.

It can also be useful for drivers with severe violations such as DUIs, as it may help them reinstate their driver’s licenses. GEICO offers the best and cheapest non-owner car insurance in Florida — the company balances affordability and quality service. GEICO is also the most affordable non-owner car insurance in Florida for drivers with traffic violations.

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Cheapest Non-Owner Car Insurance in Florida

GEICO is the most affordable non-owner car insurance provider in Florida:

  • Drivers with clean records: GEICO ($41 per month)
  • Drivers with violations: GEICO ($53 per month)

Drivers with traffic offenses on their records face higher non-owner car insurance premiums. We found that GEICO charges drivers with violations $12 more than those with a clean record.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Florida

The cheapest non-owner auto insurance companies for drivers with clean records are:

The average rate for Florida's cheapest non-owner car insurance policy is $2 cheaper than the national average of $43 per month.

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State Farm






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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)

It's important to note that minimum coverage insurance may not always provide enough protection for all policyholders. MoneyGeek recommends that drivers consider how much coverage they need before buying their policy.

Cheapest Non-Owner SR-22 Car Insurance in Florida

The two cheapest SR-22 non-owner car insurance providers in Florida are:

As the cheapest company, GEICO’s average rates for non-owner SR-22 car insurance in Florida are $6 lower than the national average of $59 per month. Drivers with traffic violations or at-fault accidents may be required to file an SR-22, which can result in premium increases. In more severe cases, drivers may be obligated to file an FR-44.

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An SR-22 is not a type of insurance; it's a document, also known as an SR-22 Certificate of Financial Responsibility (CFR), that insurance companies file with your state's Department of Motor Vehicles (DMV). This form provides proof that you have insurance coverage that meets 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.

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 the state of Florida, protecting from claims for property damage or bodily injuries to others. It differs from a full coverage policy because it does not include collision or comprehensive coverage. Here’s a comparison of the coverage differences between a non-owner policy and a full coverage plan.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Florida

The average monthly cost of non-owner car insurance in Florida is about $74 — which is $15 more than the national average of $43. However, the price you pay for non-owner car insurance can vary depending on your age, driving history, the make and model of the vehicle you drive and your chosen coverage level. These factors impact your car insurance premiums more significantly than your location.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Florida Average Cost

Monthly Premium

On average, non-owner car insurance in Florida is:$31 more

This is 72% more expensive.

Best Non-Owner Car Insurance in Florida

The following companies are the best non-owner car insurance providers in Florida:

  • GEICO: MoneyGeek score 73 out of 100 ($41 per month)
  • Travelers: MoneyGeek score 66 out of 100 ($64 per month)
  • Nationwide: MoneyGeek score 63 out of 100 ($68 per month)

MoneyGeek ranked the best car insurance companies based on customer satisfaction scores from J.D. Power and financial stability ratings from AM Best. We reviewed the top three companies to help you find the best non-owner car insurance policy in Florida.

MoneyGeek Top Pick

GEICO is the best non-owner auto insurance provider in Florida, offering affordable and high-quality service. According to J.D. Power's data, GEICO achieved a customer satisfaction score of 843 out of 1,000, surpassing the industry average of 835 points.

To further help policyholders reduce their costs, GEICO offers various discounts, such as those for installing anti-theft systems and airbags, insuring multiple cars, maintaining good grades as a student and completing a defensive driving course. Additional discounts can be applied for wearing seatbelts, having anti-lock brakes and utilizing daytime running lights. Moreover, GEICO extends special savings opportunities to military members and federal employees.

Read the full GEICO car insurance review.


Travelers is the second-best non-owner auto insurance provider in Florida, standing out for its exceptional financial strength, minimal customer complaints and wide range of discounts. According to J.D. Power data, Travelers achieved a customer satisfaction rating of 865 out of 1,000, surpassing the industry average of 835 and highlighting its strong reputation. In addition to providing excellent customer service, Travelers offers several discounts to make its non-owner auto insurance policies more affordable. These include options for bundling, multiple cars, good students, safe driving and paperless discounts.

Read the full Travelers car insurance review.

Third Place

Nationwide ranks as the third-best non-owner auto insurance provider in Florida, with a MoneyGeek score of 63 out of 100. This robust score reflects Nationwide's financial stability and positive customer feedback. To make insurance more affordable, Nationwide offers various standard discounts, including those for safe drivers, defensive drivers, good students, anti-theft devices, bundling policies and multiple car discounts. Furthermore, this insurer provides several coverage options, such as roadside assistance, rental car and travel reimbursement, accident forgiveness, gap insurance and deductible modification.

Read the full Nationwide car insurance review.

Should You Get Non-Owner Car Insurance in Florida?

Non-owner car insurance is worth considering if you do not own a car but still drive occasionally. This type of insurance is beneficial for a variety of drivers, including those who rent cars, borrow cars from friends or family, need to keep their driver's license active or want to reinstate their driving privileges. Non-owner car insurance can provide financial protection in the event of an accident while driving a borrowed car.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is ideal for those who occasionally borrow a car from a friend or relative. This type of 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.

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    Occasional renters

    A non-owner policy can be beneficial for those who rent cars regularly. It can provide coverage for rental vehicles, so the driver does not have to worry about purchasing insurance from the rental car company.

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    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 that the driver is covered regardless of the car they are driving. It can also help maintain continuous insurance coverage, which is essential for obtaining lower premiums when you purchase a standard car insurance policy later on.

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    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.

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Being wary of providers offering "one-day insurance" in Florida is important. 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.

Frequently Asked Questions About Non-Owner Car Insurance in Florida

MoneyGeek answered some frequently asked questions about non-owner auto insurance policies in Florida.

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.