Car Insurance Non-owner car insurance in Florida: Which company has the cheapest rates? Geico and Travelers offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz | 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. | Posted on March 3, 2023 Why you can 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 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 premiumGeico$257Travelers$399Nationwide$504State Farm$545Mercury 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 AgeMaleFemale16$2,839$2,80517$2,536$2,49518$2,345$2,27819$1,672$1,63120$1,544$1,51121$1,257$1,25522$1,124$1,13723$1,049$1,07824$1,004$1,03825$893$95330$803$88735$786$87340$759$84045$751$82550$726$78655$708$75560$707$74965$726$76970$804$82475$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 ratesBonifay$484Cottondale$485Defuniak Springs$485Graceville$485Ponce de Leon$485Chipley$486Alford$487Apalachicola$487DeFuniak Springs$487Grand Ridge$487Freeport$488Vernon$488Port St. Joe$489Wausau$490Campbellton$491Carrabelle$491Eastpoint$491Lanark Village$491Santa Rosa Beach$491Wewahitchka$492 The 20 Florida cities with the highest non-owner car insurance rates Cities in FloridaHighest non-owner car insurance ratesWestview$1,120Egypt Lake-Leto$1,079Hialeah$1,045Sweetwater$1,017Opa-locka$1,005Tamiami$1,003Fontainebleau$986Sumatra$986University Park$983Miami$979West Little River$979Kendall West$978Boynton Beach$960Delray Beach$954Kendale Lakes$949West Palm Beach$949Palm Beach$948Lake Worth$947Lauderhill$946North 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 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 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 premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$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: Contact a car 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 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. 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... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance 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 Table of contents How much does non-owner car insurance cost in Florida? Which insurer offers the cheapest non-owner insurance rates in Florida? How much is non-owner car insurance in Florida by age? Which Florida cities have the cheapest non-owner car insurance? How much is non-owner car insurance in Florida's 10 biggest cities? How non-owner insurance rates in Florida compare to rates in other states How to get non-owner auto insurance in Florida Methodology Get instant quotes now ! Please enter valid zip Get quote