Key Takeaways
The type of car insurance contract for people who don't own a car but drive a lot is called "non-owner car insurance." In Florida, it protects you from claims for damage to other people's property or harm to others. It's not the same as a full coverage policy because it doesn't cover collisions or total damage. There are some differences in the types of coverage that a non-owner insurance and a full coverage plan offer.
Nationally, non-owner car insurance costs $43, but in Florida, it costs about $74 a month, which is $31 more. However, the cost of non-owner car insurance can change based on your age, driving record, the type and brand of car you drive, and the coverage you choose. These things affect your car insurance rates more than where you live.
People who have been in driving offenses in the past pay more for non-owner car insurance. Travels offers the cheapest non-owner car insurance in Florida, with an average rate of $70 a month.
The non-owner car insurance company offering the best deals for drivers with good records is Travelers- $70 monthly. Florida has the second-cheapest non-owner car insurance in the country, with an average rate of $48 per month.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Travelers | $771 | $70 |
| Allied | $821 | $74 |
| Nationwide | $821 | $74 |
| State Farm | $909 | $81 |
| Progressive | $1,532 | $133 |
In Florida, the SR-22 non-owner car insurance company that charges the least is:
Travelers: $92 a month. It costs $6 less per month for non-owner SR-22 car insurance in Florida with GEICO than with any other company, making it the cheapest. The national average is $59 per month. Drivers with tickets or accidents where they were at blame may have to file an SR-22, which can cause their insurance rates to increase. Drivers may have to file a FR-44 in more severe cases.
| Provider | Cheapest Annual Premium | Cheapest Monthly Premium |
|---|---|---|
| Travelers | $1,043 | $92 |
| State Farm | $1,044 | $93 |
| Allied | $1,053 | $93 |
| Nationwide | $1,053 | $93 |
| Progressive | $2,183 | $187 |
We looked at the top companies to help you find the best non-owner car insurance package in Florida:
They are best in terms of customer satisfaction.
Loaners of cars: Non-owner car insurance is best for people who occasionally take a car from a friend or family member. In the case of an accident, this type of policy will cover the car's owner, so you won't have to worry about possible losses. It can also give you extra legal protection and peace of mind when you borrow someone else's car.
Temporary Rentals: People who often rent cars may benefit from a non-owner policy. The driver doesn't have to worry about getting insurance from the rental car company because it can cover rental cars.
People driving multiple cars: This kind of insurance can be helpful when a driver doesn't have ongoing coverage, like when they want to switch between cars. It protects the driver financially during these times, ensuring they are covered no matter what kind of car they drive. It can also help you keep your insurance coverage going, which is crucial if you want to get lower rates when you buy a regular car insurance policy later on.
Those trying to get their licenses back: Non-owner car insurance can benefit drivers whose licenses have been suspended and who want to get them back. This kind of coverage can show proof of insurance needed to get a license back.
A credit or debit card and driver's license number are required to get non-owner insurance.
Here are the steps you need to take to buy a policy:
You can't get a price for non-owner insurance online; you have to call your insurance company.
You might want to look into non-owner car insurance if you don't own a car but still drive sometimes. This kind of insurance is suitable for many types of drivers, such as those who rent cars, take cars from family or friends, need to keep their license valid, or want to get their license back. Non-owner car insurance can safeguard you financially if you have an accident while driving another person's car.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Travelers have the cheapest non-owner car insurance in Florida for people with clean records. It costs $70 a month. With rates averaging $270 per month, it's also the cheapest for drivers with an accident history.
Travelers is the best non-owner car insurance company in Florida because it is affordable and has great customer service. The best insurance company for your needs will rely on your choices.
Most states charge $43 for non-owner car insurance, but Florida charges $74 a month, $31 more than the remainder of the country. It's important to remember that actual costs may differ depending on the insurance company, the type of coverage, and the driver.
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