insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Non-owner car insurance in Florida is $759 annually, which is $379 more than the national average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Florida, such as Nationwide, State Farm and Mercury Insurance.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Florida.

How much does non-owner car insurance cost in Florida?

Non-owner insurance is usually less expensive than typical auto insurance—insurers consider non-owner policyholders as less risky because they have minimal access to a vehicle.

On average in the U.S., it costs drivers with a good credit score as well as a clean driving record $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. It is $2,517 in Florida.

On the other hand, non-owner car insurance costs $380 on average in the United States and $759 in Florida.

But insurance companies consider several factors when setting individual rates, such as how old you are, the company you pick and your driving history.

Which insurer offers the cheapest non-owner insurance rates in Florida?

With an average annual cost of $257 a year, Geico’s non-owner insurance policy is Florida’s most affordable.

At $1,375, Farmers Insurance charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Florida’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Florida

CompanyAverage annual premium
Geico$257
Travelers$399
Nationwide$504
State Farm$545
Mercury Insurance$593

How much is non-owner car insurance in Florida by age?

Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Florida, a 45-year-old will pay $788 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $2,822 on average.

Average non-owner auto insurance rates in Florida by age and gender

AgeMaleFemale
16$2,839$2,805
17$2,536$2,495
18$2,345$2,278
19$1,672$1,631
20$1,544$1,511
21$1,257$1,255
22$1,124$1,137
23$1,049$1,078
24$1,004$1,038
25$893$953
30$803$887
35$786$873
40$759$840
45$751$825
50$726$786
55$708$755
60$707$749
65$726$769
70$804$824
75$910$950

Which Florida cities have the cheapest non-owner car insurance?

From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are the cheapest and most expensive cities for non-owner car insurance in Florida.

The 20 Florida cities with the lowest non-owner auto insurance rates

Cities in FloridaLowest non-owner car insurance rates
Bonifay$484
Cottondale$485
Defuniak Springs$485
Graceville$485
Ponce de Leon$485
Chipley$486
Alford$487
Apalachicola$487
DeFuniak Springs$487
Grand Ridge$487
Freeport$488
Vernon$488
Port St. Joe$489
Wausau$490
Campbellton$491
Carrabelle$491
Eastpoint$491
Lanark Village$491
Santa Rosa Beach$491
Wewahitchka$492

The 20 Florida cities with the highest non-owner car insurance rates

Cities in FloridaHighest non-owner car insurance rates
Westview$1,120
Egypt Lake-Leto$1,079
Hialeah$1,045
Sweetwater$1,017
Opa-locka$1,005
Tamiami$1,003
Fontainebleau$986
Sumatra$986
University Park$983
Miami$979
West Little River$979
Kendall West$978
Boynton Beach$960
Delray Beach$954
Kendale Lakes$949
West Palm Beach$949
Palm Beach$948
Lake Worth$947
Lauderhill$946
North Miami Beach$940

How much is non-owner car insurance in Florida’s 10 biggest cities?

The largest cities in Florida sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Hialeah is the highest at $1,045; Tallahassee has the least expensive rates among the largest cities in the state at $557.

Non-owner auto rates in Florida’s 10 largest cities

10 largest cities in FloridaNon-owner car rates
Hialeah$1,045
Miami$979
Tampa$889
Fort Lauderdale$819
St. Petersburg$742
Orlando$694
Port St. Lucie$657
Jacksonville$642
Cape Coral$591
Tallahassee$557

How non-owner insurance rates in Florida compare to rates in other states

From state to state, the rates for non-owner auto insurance can also vary. Florida’s average non-owner insurance rate is $759; more than the $380 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. After that is Iowa at $193 annually.

Non-owner car insurance rates in the 10 most populous states

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner auto insurance in Florida

To get a non-owner policy, you need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

  1. Contact a car insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some insurers with their phone numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033.
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.