Non-owner car insurance in Florida costs drivers $999 per year on average. This coverage is ideal for anyone who drives regularly despite not owning a car.
If you find yourself regularly renting cars, borrowing them from friends or family, using car-sharing services, or just wanting to keep continuous car insurance
coverage between selling a car and buying a new one, non-owner car insurance
is for you. With non-owner car insurance, you get crucial coverage that protects you regardless of what car—or whose car—you’re driving, without having to own a vehicle yourself. Let’s learn more about what non-owner car insurance in Florida covers, how much it costs, and how you can get this coverage in this handy guide.
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ drivers What does non-owner car insurance cover?
Non-owner car insurance provides you with liability coverage
that protects both you and the car’s owner if you’re involved in an at-fault car accident. It can help pay for medical expenses and property damages so you’re not left covering these things out of pocket. This coverage works alongside the car owner’s insurance. If one policy can’t cover the full amount of damages, the lesser of the two policies kick in to make up the difference. Make sure the car’s owner is fully insured so your insurance isn’t doing all of the work. This is as good a chance as ever to explain to the car owner the value of having full coverage
! You can supplement your non-owner car insurance with more coverage, too, adding personal injury protection
, medical payments coverage
, and uninsured motorist coverage
to mitigate even more potential out-of-pocket costs. But since you don’t own the car, you can’t add collision
and comprehensive coverage
—those fall on the car’s owner. Florida car insurance laws
require you to have a minimum of $10,000 in personal injury protection (PIP)
and $10,000 for property damage liability
. You also want to make sure the car owner is fully covered too, so your insurance isn’t left paying for all of the damages on its own.As a no-fault state, Florida doesn’t require drivers to have bodily injury liability
coverage. Average cost of non-owner car insurance in Florida
On average, Florida drivers are paying around $1,000 per year for their non-owner car insurance policies—a steep price compared with national averages, but still significantly cheaper than what car owners pay for coverage. This price can skyrocket if you have a DUI
or another serious violation on your driving record, too. The best Florida auto insurance companies for non-owner car insurance
GEICO
, State Farm
, and Nationwide
are arguably the best companies to begin your search because they’re the only three companies offering non-owner car insurance coverage to new customers in all 50 states. But there are of course many other insurance providers offering this coverage in Florida and elsewhere, too.Insurance providers offering coverage to Florida’s high-risk drivers with SR-22 requirements include companies like GEICO, USAA
, State Farm, Progressive
, and Metlife
. You may want to consider one of those companies if you have a serious conviction on your driving record. Let’s take a quick look at average prices for the statistically cheapest providers offering non-owner car insurance:
Cheapest Florida non-owner car insurance companies
| | | Average annual SR-22 premium | Average monthly SR-22 premium |
|---|
| | | | |
| | | | |
| | | | |
| | | | |
4.717k Ratings 5M+Drivers Joined
7M+Cars Garaged
Who needs a non-owner car insurance policy?
Non-owner car insurance is ideal if you:
Regularly borrow a car from someone you don’t live with or someone who doesn’t want to include you on their own policy
Rent cars frequently and need coverage that’s a step up from rental car insurance
Make use of car-sharing services like Turo or Zipcar
Sell your car but want to keep continuous coverage until you get a new car, thereby preventing a lapse in coverage
Are required to have car insurance in order to get your driver’s license reinstated following a serious driving violation
Are required to maintain insurance after filing for an SR-22 in Florida
You don’t need non-owner car insurance in Florida (or anywhere else, for that matter) if:
You live with the car owner and they’re comfortable with putting you on their own policy (this is almost always a way better idea if it’s an option!)
You’re only occasionally borrowing someone’s car. Their own car insurance covers you if you’re driving their car once in a while, so long as they’ve given you permission to use the car in advance
You’re using a company car for work. Your employer should have insurance that covers you as an employee. If you aren’t sure though, definitely ask
When borrowing a car from a friend or family member, especially if you’re doing this on a regular basis, be sure to ask the owner what types of car insurance
they have and what the coverage limits on their policy are. How to get non-owner car insurance in Florida
Getting non-owner car insurance in Florida is pretty straightforward. You just need a valid driver’s license to get started.
In any case, you’ll want to make sure the vehicle you’re driving is already insured, and you should strongly consider getting more coverage than Florida’s state minimums require. You’ll be left making up the difference if the car owner’s insurance and your non-owner car insurance can’t pay for the damages.
"I felt like I was paying too much for my insurance policy, so I downloaded Jerry
. I literally only typed in 3 pieces of info and Jerry found my current insurance. In a few minutes, they pulled up 2 Progressive policies that showed $900 in savings over 6 months!” —Maeve J.
RECOMMENDEDNo spam or unwanted phone calls · No long forms
