Cheap Non-Owner Car Insurance In Florida 2024

Non-owner auto insurance is a policy which provides coverage to people who don’t own a car, but instead borrow or rent them. They provide the minimum coverage necessary in the State of Florida.

With 15 years of experience as an insurance agent, plus over three decades as a car insurance consumer, I’ve worked with many of the insurers mentioned here and can attest to their reliability, although each brings unique advantages to the table.

What Is Non-Owner Car Insurance?

If you frequently drive vehicles that aren’t your own, such as rentals or cars borrowed from friends or family, you might want to consider getting non-owner car insurance.

This type of insurance primarily provides liability coverage. If you cause an accident while driving someone else’s vehicle, your non-owner policy can help cover the medical and repair costs for the other party involved.

Some insurance providers may also offer additional options, including uninsured/underinsured motorist protection and personal injury protection.

However, it’s essential to note that non-owner insurance typically does not include comprehensive or collision coverage. As a result, any damage to the vehicle you’re driving may not be covered.

For those who often rent cars or borrow vehicles, non-owner car insurance can be quite beneficial. It adds an extra layer of security beyond what the vehicle’s owner already has.

In many instances, it can be more cost-effective than opting for insurance from a rental company every time.

Furthermore, maintaining a non-owner policy can help ensure continuous insurance coverage, potentially leading to lower premiums if you choose to purchase a car in the future.

Average Cost Of Non-Owner Car Insurance In Florida

Navigating the world of non-owner car insurance can be overwhelming, given the many providers and fluctuating rates. It’s essential to make a well-informed choice and grasp the financial implications involved.

To help you with this decision, we’ve put together a comparison chart showcasing the average costs of non-owner car insurance from five top providers.

How Much Is Non-Owner Car Insurance In Florida – By Age?

Just like full-coverage car insurance, non-owner car insurance rates are highest for teen drivers, gradually decreasing each year until they reach the age of 55.

Below are sample rates for non-owner car insurance in Florida across ten different age groups.

What Is SR-22 Insurance?

Technically speaking, an SR-22 is not an insurance policy but rather a vehicle liability insurance document that most state Departments of Motor Vehicles (DMVs) require for “high-risk” insurance policies.

This form, which is filed by your insurance provider, serves as proof that you have the minimum required liability insurance coverage mandated by your state.

It is commonly required for drivers whose licenses have been suspended due to traffic violations, DUIs, or other serious offenses.

The SR-22 form acts as a certificate of financial responsibility, confirming that the driver has obtained the necessary amount of auto liability insurance. Its primary purpose is to verify that an individual maintains the required liability coverage.

Typically, this document is mandated by state law or court order, especially for high-risk drivers. The insurance company is responsible for filing this form with the state, and they must notify the state if the policy lapses at any time.

Average Cost Of Non-Owner Car Insurance In Florida – By City

Listed are typical prices for five smaller towns in Florida.

How Much Is Non-Owner Car Insurance In Florida’s 10 Biggest Cities?

The population of a city significantly influences how much people pay for car insurance. Larger cities with more traffic tend to have higher insurance premiums.

How Non-Owner Rates In Florida Compare To Other States

Interestingly, Florida’s typical yearly cost of $675 for non-owner auto insurance is higher than the national average of $353. Rates for non-owners in the 12 most populous states:

Should You Get Non-Owner Car Insurance In Florida?

Non-owner car insurance is an auto insurance policy meant for those who do not own a vehicle but still drive from time to time. It offers liability coverage in the event that you cause an accident while driving a borrowed or rented car.

In Florida, various individuals should think about getting non-owner car insurance.

Frequent Renters And Borrowers

If you often rent cars or borrow vehicles from friends and family, considering non-owner car insurance is a smart choice. While rental companies offer their own insurance options, these can be costly if you rent frequently.

Additionally, while the vehicle owner’s insurance may cover certain incidents, having your own policy guarantees protection without impacting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

A lot of Florida residents depend on public transportation or ridesharing for their daily travel and only drive from time to time. You might fall into this category if you live in a city with robust public transit or if you generally prefer biking or walking.

However, there will be times when driving becomes necessary. In those situations, having non-owner insurance provides the financial protection you require.

Individuals Aiming For Continuous Coverage

Insurance companies frequently categorize drivers who lack continuous coverage as high-risk, resulting in increased premiums when purchasing a vehicle. If you’ve sold your car and intend to be without one for a time, a non-owner policy can help maintain your coverage continuity, preserving your insurance history.

This approach is especially useful when you’re ready to buy a new car and require standard insurance.

Minimum Car Insurance Requirements In Florida

According to the Florida Highway Safety And Motor Vehicles Department, Florida drivers must carry the following minimum car insurance coverage:

• $10,000 property damage liability per accident
• $20,000 bodily injury liability per accident
• $10,000 personal injury protection (PIP) per person

What Does Non-Owner Car Insurance Cover?

A non-owner car insurance policy mainly offers liability coverage, which pays for bodily injury or property damage you may inflict on others during an accident. It’s important to remember that this policy won’t cover damages to the vehicle you’re driving; that’s the responsibility of the car owner’s insurance.

Additionally, some non-owner policies provide optional medical payments or personal injury protection (PIP) to help cover your medical bills after an accident, regardless of fault. You might also have the option to add uninsured/underinsured motorist protection, which safeguards you if you collide with a driver lacking adequate insurance.

However, keep in mind that non-owner car insurance does not come with comprehensive or collision coverage, meaning that damages to the vehicle you’re driving from theft, vandalism, natural disasters, or accidents typically won’t be covered.