Home Car insurance Non-owner car insurance Non-owner car insurance in Florida Non-owner car insurance in Florida: Which company has the cheapest rates? Residents pay an average of $671 for non-owner car insurance, but Geico and Travelers offer lower rates. Written by: Leslie Kasperowicz Leslie Kasperowicz 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. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 14, 2023 Why you should trust Insure.com 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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. Key Takeaways The average non-owner car insurance cost in Florida is $56 per month for a 40-year-old male with a good driving record. Car insurance rates vary by age. For instance, a 16-year-old male in Florida pays an average of $2,130 for non-owner car insurance, whereas a 25-year-old male pays $777 a year for the same coverage. Geico offers most affordable rates for non-owner car insurance in Florida at $257. 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 CompanyAverage annual premiumGeico$257Travelers$399Nationwide$504State Farm$545Mercury Insurance$593 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 AgeMaleFemale16$2,130$1,98517$1,928$1,80118$1,788$1,64919$1,372$1,29820$1,235$1,17821$1,038$1,01022$967$95923$887$89724$840$85525$777$81030$713$77535$697$76440$671$73645$664$72450$645$68955$629$66460$630$65765$652$66570$700$68075$789$726 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.Car insurance rates in Florida by cityJacksonvilleMiamiTampaOrlandoWhich 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 Cities in FloridaLowest non-owner car insurance ratesBonifay$484Cottondale$485De Funiak Springs$485Graceville$485Ponce de Leon$485Chipley$486Alford$487Apalachicola$487Grand Ridge$487Freeport$488Vernon$488Port St. Joe$489Wausau$490Campbellton$491Carrabelle$491Eastpoint$491Lanark Village$491Santa Rosa Beach$491Wewahitchka$492Tallahassee$557 The 20 Florida cities with the highest non-owner auto insurance rates Cities in FloridaHighest non-owner car insurance ratesEgypt Lake-Leto$1,079Hialeah$1,045Fountainebleau$1,017Miami Gardens$1,005Doral$986Sumatra$986University Park$983Miami$979Gladeview$979Kendall West$978Boynton Beach$960Delray Beach$954Kendale Lakes$949West Palm Beach$949Palm Beach$948Lake Worth$947Lauderdale Lakes$946Golden Glades$940Tampa$889Fort Lauderdale$819 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 10 largest cities in FloridaNon-owner car ratesHialeah$1,045Miami$979Tampa$889Fort Lauderdale$819St. Petersburg$742Orlando$694Port St. Lucie$657Jacksonville$642Cape Coral$591Tallahassee$557 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 StateAverage annual premiumCalifornia$323Florida$671Georgia$373Illinois$286Michigan$574New York$578North Carolina$989Ohio$198Pennsylvania$216Texas$408National Average$353 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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. Explore other insurance options in Florida Average car insurance cost in Florida Cheapest homeowners insurance in Florida Average renters insurance cost in Florida How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow moreLeslie KasperowiczManaging Editor  . .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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes