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

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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

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

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

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

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

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

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.