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

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

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 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. Therefore, buying a non-owner insurance policy is usually less expensive than full-coverage auto insurance.

On average, in the U.S., it costs a driver with a clean driving record and good credit score $1,895 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 you live, your age, driving history, and other factors.

You might find interesting

• The best, cheapest car insurance in Florida
• Cheapest car insurance in Florida
• Florida car insurance calculator
• Cheapest SR-22 insurance in Florida
• Best and cheapest companies for home and auto bundles in Florida

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 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 costs $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 Florida’s cities with 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

What does non-owner auto insurance cover? 

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California. 

 An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.  

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.” 

How to get non-owner car insurance in Florida

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

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.

You’ll need to call your insurer for a non-owner insurance policy 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 can 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.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Explore other insurance options in Florida

Average car insurance cost in Florida

Average renters insurance cost in Florida

Average homeowners insurance cost in Florida

Leslie Kasperowicz

Managing 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.