Temporary Car Insurance in Florida


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Key Takeaways

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GEICO, State Farm, MetLife, Allstate and Travelers 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.

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The average cost of a three-month car insurance policy in California is approximately $552. Canceling early adjusts costs based on your coverage period.

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If you need temporary coverage but don’t own a car, rental car insurance or non-owner car insurance can provide a alternative solution.

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Can You Get Temporary Car Insurance in Florida?

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 provide flexible monthly plans. For those without a vehicle, rental car insurance or non-owner policies may be good alternatives.

How to Get Temporary Car Insurance in Florida

While there is no specific way of securing temporary car insurance in Florida, MoneyGeek’s research can help you identify various ways to buy the appropriate coverage for your needs.

Buy a Six-Month Florida Insurance Policy and Cancel It Early

In most states, insurers only sell car insurance policies with a minimum period of six months. In Florida, drivers pay an average of $1,104 for a 6-month temporary policy. That means you can only get short-term policies by canceling your temporary coverage early.

Typically, 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 you cancel after three months, you will pay roughly half the six-month cost, which is around $552.

Also, make sure that you do not have a lapse in your coverage when canceling your temporary policy since this can result in higher annual premiums.

Non-Owner Car Insurance in Florida

If you do not own a car but need proof of insurance before your suspended license gets reinstated, purchasing non-owner car insurance may be the best option in Florida. On average, the cost of non-owner car insurance in the state is $999 per year.

Non-owner insurance is the most affordable policy for drivers who do not own cars but need to file an SR-22 with Florida.

Rental Car Insurance in Florida

If you already have car insurance, you may not need to buy rental car insurance because your policy should cover the costs if you get involved in an accident.

Additionally, various credit card companies offer collision damage waiver insurance for rental cars. This can help you save money.

Get Rideshare Car Insurance

Florida drivers who work for a rideshare company get temporary insurance coverage once they accept fare or start transporting a passenger. This leaves a lapse in coverage between fares and can be a great place for rideshare insurance to fill in this gap.

However, rideshare insurance policies vary across the states, and you can use MoneyGeek’s comparison to select the best rideshare provider that suits your needs while in Florida.

Temporary Car Insurance Policy Adjustment

If you already have auto insurance in Florida but need to add or remove coverage, MoneyGeek recommends that you make changes to 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.

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WHEN YOU SHOULD ALTER YOUR POLICY TEMPORARILY?
  1. If you have a teenage child who is away at college, you can temporarily remove them from your policy or ask for a discount.
  2. If you want to store your car, you can save by removing everything but your comprehensive insurance. Alternately, if you’re military, use car storage discounts from USAA.
  3. If someone else drives your car regularly, it may be best to add them to your policy.

Student Driver Car Insurance

Ensuring your child is listed on your car insurance policy is crucial if they reside with you in Florida. When they attend college more than 100 miles away without a vehicle, you might qualify for a “distant student” discount, potentially reducing your premiums.  Alternatively, maintaining them on your policy ensures coverage during visits home. Consult your insurer to explore available options and discounts.

Stored Vehicle Insurance

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 $337 per year. That’s cheaper than the average annual cost of $1,206 for policies that include liability coverage.

Drivers from a military background and those on active duty may consider getting coverage from USAA, which not only provides the cheapest policies in the state but also offers car storage discounts to policyholders. An annual policy from USAA costs an average of $944.

Letting Someone Else Drive Your Car

If you allow someone that you don’t live with to drive your car in Florida, you do not need to add them to your policy since they are already covered. However, members of your household will need to be added to your insurance policy if they intend to drive your car regularly.

Average Cost of Temporary Car Insurance in Florida

While the standard minimum duration for car insurance is typically six months, MoneyGeek also determined costs for policies with lower time spans, including 90-day and 30-day policies.

The most affordable insurance carriers in Florida for a three-month policy are GEICO with $334 per 90 days rate and State Farm with $467 per 90 days rate.

Company
One Month
Three Months
Six Months

USAA

$78

$235

$470

GEICO

$111

$334

$668

State Farm

$156

$467

$933

MetLife

$168

$503

$1,007

Allstate

$192

$575

$1,149

Travelers

$195

$584

$1,168

Allied

$197

$591

$1,182

Mercury

$227

$680

$1,360

Progressive

$227

$682

$1,364

The costs used in this guide exclude cancellation fees since most insurers do not charge cancellation fees. After canceling your policy, insurance providers give you a refund for the months you have not used in your policy.

Rental Car Insurance Cost in Florida

MoneyGeek obtained analysis data from Jacksonville and discovered 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 year, while Avis and Hertz both charge $57 per year 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

Cost of Temporary Car Insurance for Students in Florida

Drivers who live with their children in Florida need to add them to their auto insurance policy. This may result in higher premiums. It costs around $4,403 to add an 18-year-old to your policy in Florida.

Based on MoneyGeek’s research, it costs an average of $734 in Florida to add a student to a policy for two months. Adding them for a year costs roughly $3,669 more.

In Florida, the company that saves you the most money if you temporarily exclude a student from your policy is Allied. Parents save roughly $7,498 with this insurer.

Company
Adding 18-year-old for two out of 12 months
Adding an 18-year-old for the full year
Difference

GEICO

$2,776

$463

-$2,313

Allstate

$3,427

$571

-$2,856

State Farm

$4,134

$689

-$3,445

Progressive

$4,202

$700

-$3,501

Allied

$8,998

$1,500

-$7,498

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WHAT IF I CAN’T GET A DISCOUNT?

If you cannot 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 offers you a detailed comparison of the cheapest insurance providers for teen drivers.

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Temporary Car Insurance in Florida: Bottom Line

In Florida, obtaining temporary car insurance typically involves purchasing a standard six-month policy and canceling it early, with companies like GEICO offering one-month coverage for approximately $111. Alternatively, non-owner or rental car insurance can provide short-term solutions. In this article, we discussed these options to help you choose the best temporary coverage for your needs.

Florida Temporary Car Insurance: FAQ

Temporary car insurance provides coverage to car owners and non-car owners alike. Here are some of the commonly asked questions about temporary coverage in Florida.

Can you get temporary car insurance in Florida?

Can I usually get a refund if I cancel my car insurance before six months?

Short Term Car Insurance in Florida: Our Review Methodology

MoneyGeek compiled Florida auto insurance rates by collecting data from the Florida Office of Insurance Regulation and Quadrant Information Services. We examined 240 quotes from five providers to identify the state's best and most affordable options.

Coverage Levels

We compared non-owner car insurance rates from companies in Florida using minimum coverage policies. The state-required minimum coverage includes:

  • $10,000 in personal injury protection (PIP)
  • $10,000 in property damage liability

Drivers and Cars in Florida

To find the best and most affordable companies for non-owner car insurance in Florida, we used a sample driver profile with the following characteristics:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • Good credit history
  • 12,000 miles driven annually

We modified the sample profile for SR-22 rates to include an at-fault accident causing property damage between $1,000 and $1,999.

Learn more about MoneyGeek's car insurance methodology.

Florida Car Insurance Related Articles

About Mark Fitzpatrick


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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.


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