Non-owner car insurance in Florida: Which company has the cheapest rates?

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Non-owner auto insurance in Florida costs $671 annually, which is $318 more than the rest of the nation on average, according to Insure.com’s 2023 rate analysis.

In Florida, non-owner policies are available from companies 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.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Florida.

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

Insurers view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $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. In Florida, full coverage car insurance costs $2,517.

Meanwhile, non-owner car insurance is $353 a year on average in the United States and $671 in Florida.

But various factors affect individual rates, such as where in Florida you live, your age and driving history and other factors.

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

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

At $1,270 a year, National General Insurance charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Florida

Cheapest non-owner insurance rates in Florida

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

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Florida non-owner insurance costs $694 a year for a 45-year-old, while it’s $2,058 for a 16-year-old driver.

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below display the cities in Florida that have the least and most expensive non-owner auto insurance rates.

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

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

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

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

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

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

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Florida is $671 a year, which is more than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year.

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

How to get non-ownercar insurance in Florida

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

To purchase a policy, follow these steps:

1. Contact an auto 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

Often, you’ll receive proof of insurance very quickly.

For a non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are some insurance companies with 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.

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.