Non-Owner Car Insurance in Florida: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Florida is $999 per year. The cheapest insurer for Florida drivers is GEICO, costing an average of $393 annually. MoneyGeek’s comprehensive guide breaks down premiums and explains how non-owner car insurance works in Florida.

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Last Updated: 8/15/2022

Florida drivers who do not own a vehicle but frequently rent cars or use car-sharing services may find that non-owner insurance is a good option. It’s also ideal for those who need proof of insurance to get their license reinstated.

Non-owner car insurance in Florida costs an average of $999 per year for drivers with a clean driving record and roughly $1,648 annually for those with a major driving violation, like a DUI.

To find cheap non-owner car insurance in Florida, MoneyGeek researched the average rates from different insurers across the state. We also explain what type of drivers can benefit from non-owner car insurance.

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Cheapest Non-Owner Car Insurance Companies in Florida

Compared to a traditional auto insurance policy, non-owner car insurance in Florida is cheaper. Rates vary greatly between insurance companies, so shopping around can help you get cheap non-owner car insurance in Florida.

Based on MoneyGeek’s study, the cheapest widely available companies for Florida drivers looking for non-owner car insurance on average are:

  • GEICO: $393 per year
  • State Farm: $999 per year

USAA, the most affordable option in the state, has an average rate of $329 annually. However, these policies are only for members of the military and their families. Meanwhile, MetLife offers the most expensive policy at $1,866 per year on average.

The insurance costs in this analysis are for a 40-year-old driver with a non-owner car insurance policy in Florida, with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Florida

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $329
    $27
  • GEICO
    $393
    $33
  • State Farm
    $999
    $83
  • Progressive
    $1,406
    $117
  • MetLife
    $1,866
    $156
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How Much Is Non-Owner Car Insurance in Florida?

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Across all companies offering non-owner car insurance in Florida, the average annual rate for drivers with a clean driving record is $999. That is $504 cheaper than the average cost of regular car insurance in the state.

A major traffic violation may result in higher rates. For Florida drivers with a DUI, non-owner insurance costs an average of $1,648 per year, and regular auto insurance for drivers with a DUI costs around $2,650 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Florida

Drivers who commit a serious driving violation can get their license suspended. To get it reinstated, you will need to file an SR-22 or FR-44. An SR-22 in Florida is necessary for major traffic violations, like reckless driving or driving without insurance. But for those who get convicted of DUI, an FR-44 is required.

If you do not own a car, non-owner SR-22 or FR-44 may be the best option for you.

On average, the cheapest insurance companies for drivers with a DUI are:

  • GEICO: $522 per year
  • State Farm: $1,030 per year

For military families, USAA is another affordable option as it has an average rate of $564 annually, making it the second most affordable insurer in the state.

The most expensive company is MetLife, which has an average annual rate of $4,401.

Cheapest SR-22 Non-Owner Car Insurance Companies in Florida

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $522
    $44
  • USAA
    $564
    $47
  • State Farm
    $1,030
    $86
  • Progressive
    $1,724
    $144
  • MetLife
    $4,401
    $367
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What Is Non-Owner Car Insurance in Florida?

Non-owner car insurance is also known as non-owner liability insurance as it includes liability coverage. In Florida, it also includes personal injury protection. This type of policy is best for drivers who need insurance but do not own a car.

For further protection, you can add uninsured or underinsured motorist coverage when you buy non-owner car insurance in Florida. However, it’s important to note that you cannot include comprehensive and collision coverage, also known as full coverage.

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Florida state laws require drivers to have non-owner car insurance that meets the minimum coverage requirements, which include:

  • SR-22

    • $10,000 bodily injury liability per person
    • $20,000 bodily injury liability per accident
    • $10,000 property damage liability per accident
    • $10,000 personal injury protection
  • FR-44

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $10,000 personal injury protection

Who Should Get Non-Owner Car Insurance in Florida?

Non-owner car insurance in Florida is the best option for these types of drivers:

  • Drivers who need insurance for license reinstatement: Getting convicted of a serious driving violation in Florida can lead to license suspension. To reinstate your license, you will have to file an SR-22 or FR-44. Since an SR-22 and an FR-44 can increase your premiums, non-owner insurance can help you save money.
  • Drivers who frequently rent cars or use car-sharing services: If you frequently rent a car, rental car insurance can become expensive over time. Non-owner car insurance is an affordable alternative. Additionally, if you regularly borrow a vehicle and the owner's policy does not provide enough coverage, non-owner car insurance is the best option to get extra coverage.
  • Drivers who temporarily do not have a car but want to maintain insurance coverage: If you give up your car insurance, you may have a lapse in coverage. This could raise your insurance rates. Non-owner car insurance in Florida is an affordable way to maintain your policy and make sure you qualify for low rates when you get a standard policy.

Who Shouldn’t Get Non-Owner Car Insurance in Florida?

Some drivers may not need non-owner car insurance in Florida. For example, if you are a Jacksonville resident borrowing a car from a friend, you’ll be covered under their policy as long as they give you permission to drive their vehicle.

Non-owner car insurance is also not for you if you do not rent a car often. If you rent a vehicle for travel outside the state only once in a while, rental car insurance is sufficient and more affordable.

How to Get Non-Owner Car Insurance in Florida

MoneyGeek confirmed that all the insurance companies in this guide offer non-owner car insurance in Florida. If you want to get a quote, you’ll have to call the insurers because they typically do not provide quotes online. You’ll find the contact information for the insurers in Florida who offer these types of policies below.

Contact Non-Owner Car Insurance Companies in Florida
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • MetLife
    800-422-4272

Frequently Asked Questions About Florida Non-Owner Car Insurance

Unlike a standard auto insurance policy, non-owner car insurance in Florida is for drivers who drive often but don’t own a car. Learning the answers to some frequently asked questions can help you make an informed decision about non-owner car insurance:

Methodology

MoneyGeek analyzed non-owner car insurance quotes based on data collected from insurance providers throughout Florida in partnership with Quadrant Information Services. We calculated these policies for a 40-year-old driver both with a clean driving record and a DUI. The policies meet the state’s minimum car insurance coverage requirements except for liability insurance, which have the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Standard car insurance policies used for comparison have the same limits.