Cheapest and Best Non-Owner Car Insurance in Florida (2024)

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.

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.

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

• GEICO: $41 per month
• Travelers: $64 per month

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

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

• GEICO: $53 per month
• Travelers: $86 per month

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.

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.

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.

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.

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.

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