Which companies offer the cheapest non-owner car insurance in Florida?
AIG has the cheapest non-owner car insurance in Florida, with average annual rates of $257. Travelers is the second-cheapest option at $438 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.
The table below lists the most budget-friendly non-owner car insurance companies in Florida.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| AIG | $257 | $21 |
| Travelers | $438 | $36 |
| GEICO | $470 | $39 |
| Mercury Insurance | $823 | $69 |
| State Farm | $881 | $73 |
| Progressive | $1,189 | $99 |
Best non-owner car insurance in Florida
GEICO is our top pick for non-owner car insurance in Florida. Travelers and State Farm are also strong options based on affordability, customer satisfaction and financial strength
To find the best non-owner car insurance companies in Florida, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The table below shows a comparison of the best non-owner car insurance companies in Florida.
| Company | Average annual premium | J.D. Power | NAIC | A.M Best | Overall score |
|---|---|---|---|---|---|
| GEICO | $470 | 660 | 0.60 | A++ | 4.96 |
| Travelers | $438 | 620 | 0.63 | A- | 4.27 |
| State Farm | $881 | 639 | 0.87 | A+ | 3.80 |
| Progressive | $1,189 | 606 | 0.60 | A+ | 3.30 |
| Mercury Insurance | $823 | 594 | 1.07 | A | 3.07 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Florida.
GEICO
Our top choice for non-owner car insurance in Florida is GEICO, with an average rate of $470 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.
Travelers
Travelers is also a great choice for non-owner car insurance in Florida, offering coverage at an average annual rate of $438. It has earned an AM Best rating of A- and maintains a low NAIC complaint ratio of 0.63.
State Farm
Our third recommendation is State Farm, with average rates of $881. It has an NAIC complaint ratio of 0.87 and holds an AM Best rating of A+.
PEOPLE ASK:
Do I need Florida non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Florida
The average cost of non-owner car insurance in Florida is $668 per year. Your rate depends on several personal and location-based factors.
Your rate will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
How do age and gender affect non-owner car insurance rates in Florida?
Age and gender significantly impact non-owner car insurance rates in Florida, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Below are the average non-owner car insurance rates in Florida by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $1,980 | $1,977 |
| Young Adults (20-24) | $950 | $959 |
| Adults (25-60) | $639 | $692 |
| Seniors (65-75) | $645 | $635 |
Do you need non-owner car insurance in Florida?
Drivers in Florida may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in Florida doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below compares average annual rates for non-owner and owner car insurance.
| Non-owners state minimum liability only | $668 |
| Traditional state minimum policy | $1,228 |
| State minimum car insurance limits | 10/20/10 |
What does Florida non-owner car insurance cover?
Non-owner car insurance in Florida generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Florida
Florida drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.
Non-owners car insurance averages $668 in Florida, and AIG offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Florida non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
FAQ: Non-owner car insurance in Florida
Do I need non-owner insurance to drive a friend's car in Florida?
No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.
Can I use non-owner insurance for Uber or delivery driving in Florida?
No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.
Does non-owner insurance cover rental cars?
Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.
Compare Florida non-owners car insurance rates with other states
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