Updated: July 17, 2025
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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.
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.
Call your insurer or use their website to cancel your Florida car insurance. You'll need your policy number and cancellation date. Ensure your cancellation date aligns with when your new coverage begins to avoid gaps, as some insurers require 24-48 hours notice while others allow same-day cancellation. Most companies process refunds within 7-14 business days, sending the unused premium amount minus any applicable fees directly to your original payment method.
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.
List your child on your car insurance policy if they live with you in Florida. When they attend college more than 100 miles away without a vehicle, they may qualify for a "distant student" discount, reducing their premiums. Keeping them on your policy ensures coverage during visits home. Consult your insurer to explore available options and discounts.
If you want to store your car in Florida, you can save money by asking your insurer for a car storage discount or making your coverage comprehensive only.
In Florida, comprehensive and collision coverage with a deductible of $1,000 costs an average of $2,912 per year.
If you allow someone you don't live with to drive your car in Florida, you don't need to add them to your policy since they are already covered. However, household members must be added to your insurance policy if they drive your car regularly.
The standard minimum duration for car insurance is six months, but MoneyGeek determined costs for policies with shorter periods, including 90-day and 30-day policies.
The average cost of a standard minimum coverage policy in Florida is $101 per month. A full coverage policy costs an average of $243 monthly. The table below shows estimated three-month and six-month premiums for each coverage type.
| Minimum Coverage | $101 | $303 | $606 |
| Full Coverage | $243 | $729 | $1,458 |
Young drivers get higher car insurance rates because they're considered inexperienced on the road. The average monthly premium for minimum coverage is $222, while a full coverage policy costs an average of $550.
| Minimum Coverage | $222 | $666 | $1,332 |
| Full Coverage | $550 | $1,650 | $3,300 |
The most affordable insurance carrier in Florida for a three-month policy is Travelers. Its 90-day average premium for a minimum coverage policy is $154. A full coverage plan from Travelers costs an average of $439 for three months.
| Travelers | $51 | $154 | $308 |
| State Farm | $62 | $187 | $375 |
| Geico | $63 | $189 | $379 |
| Metropolitan Group | $66 | $197 | $393 |
| Nationwide | $78 | $235 | $471 |
| Mercury Insurance | $82 | $246 | $492 |
| AIG | $84 | $253 | $507 |
| Farmers | $118 | $354 | $708 |
| UAIC | $145 | $436 | $871 |
| Progressive | $151 | $454 | $908 |
| Allstate | $154 | $461 | $922 |
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 |
A non-owner car insurance policy in Florida with minimum coverage costs an average of $456 for three months, while full coverage plans average $915 for three months. Use the table below to compare average rates in the state for one, three and six months.
| Full Coverage | $305 | $915 | $1,830 |
| Minimum Coverage | $152 | $456 | $912 |
MoneyGeek's research shows non-owner car insurance for a young driver costs an average of $122 per month for minimum coverage and $247 for full coverage. The table below highlights average rates for each coverage type for three months and six months.
| Minimum Coverage | $122 | $366 | $732 |
| Full Coverage | $247 | $741 | $1,482 |
Travelers is the cheapest non-owner car insurance provider in Florida. A three-month policy with minimum coverage costs an average of $260, while full coverage costs an average of $439. Compare temporary car insurance rates from major insurers below.
| Travelers | $87 | $260 | $520 |
| Geico | $88 | $264 | $529 |
| Metropolitan Group | $106 | $319 | $638 |
| State Farm | $110 | $329 | $658 |
| AIG | $118 | $354 | $708 |
| Nationwide | $124 | $371 | $742 |
| Mercury Insurance | $132 | $396 | $793 |
| Allstate | $168 | $503 | $1,006 |
| Farmers | $196 | $588 | $1,177 |
| UAIC | $217 | $652 | $1,304 |
| Progressive | $243 | $728 | $1,456 |
The costs used in this guide exclude cancellation fees since most insurers don’t charge cancellation fees. After canceling your policy, insurance providers give you a refund for the months you have not used in your policy.
MoneyGeek obtained analysis data from Jacksonville and found that rental car policy costs range from roughly $46 to $57 per day. The cheapest provider in the state is Enterprise, at around $46 per day, while Avis and Hertz both charge $57 per day on average. This covers liability insurance as well as add-on coverages like personal accident insurance, supplemental liability and collision damage waiver.
Company | Total Insurance Cost | Supplemental Liability Cost | Collision Damage Waiver Cost | Personal Accident Insurance Cost |
|---|---|---|---|---|
Enterprise | $46 | $13 | $26 | $6 |
Avis | $57 | $16 | $31 | $10 |
Hertz | $57 | $16 | $34 | $7 |
If you can’t get a discount from your insurer and your child’s school is within 100 miles, you can save on your premiums by comparing quotes across multiple companies. MoneyGeek’s analysis provides you a detailed comparison of the cheapest insurance providers for teen drivers.
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.
Our Data Sources and Analysis
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.
Coverage Levels We Analyzed
For full coverage policies, we used these specific limits:
These limits provide substantial financial protection beyond Florida's minimums while keeping premiums reasonable for most drivers.
For non-owner car insurance rates, we focused on Florida's state-required minimums:
Our Sample Driver Profile
We used a representative Florida driver profile to ensure rate accuracy:
This profile reflects a typical Florida driver with a stable driving history who is looking for reliable coverage. The Toyota Camry represents one of the most common vehicles, and the mileage reflects average annual driving patterns.
Why This Approach Works for Short-Term Coverage
Since true short-term policies are rare, our methodology focuses on standard six-month policies that drivers can cancel early if needed. This gives you real-world pricing for available coverage, not theoretical short-term rates that don't exist in Florida's market.
Clean driving records and good credit ensure our rates reflect what responsible drivers pay, while the specific vehicle and mileage provide an accurate risk assessment for drivers seeking temporary coverage.
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
