120+ more)
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
Non-owner insurance is car insurance for drivers without a car who still occasionally borrow or rent vehicles. This type of coverage pays for the other driver’s injuries and property damage if you cause an accident.
For example, if you borrow a friend’s car to run errands and hit someone else’s car, non-owner auto insurance can help cover the other driver’s vehicle repairs after your friend’s policy reaches its coverage limits.
Florida doesn’t require most drivers to carry non-owner car insurance. But some drivers need it to reinstate a suspended license or meet court-ordered insurance requirements after a serious violation, like a driving under the influence (DUI) conviction.[1] If you need coverage but don’t have your own vehicle, a non-owner car insurance policy can help you meet Florida’s financial responsibility rules.
Florida law requires drivers to have at least $10,000 in personal injury protection (PIP) coverage and $10,000 in property damage liability (PDL) coverage.[2] PIP covers your own medical payments and lost wages if you get hurt in an accident, regardless of fault. PDL covers physical damage to the other person’s car or property when you’re at fault.
See quotes from top insurers in minutes
If you don’t own a vehicle, you might need or want non-owner car insurance coverage in Florida. It makes sense in certain situations, such as:
Drivers who borrow cars from family members or friends
Providing proof of insurance to reinstate a suspended driver’s license
People who rent cars but don’t want to pay for the rental company’s optional insurance
Drivers who use rideshare apps or car-sharing services
Some insurers use prior insurance history as a factor when setting rates, and a non-owner auto policy qualifies as continuous coverage. If you plan to get another vehicle in the future, keeping continuous coverage now can prevent a coverage gap and higher rates later when you need a standard auto insurance policy.
Non-owner car insurance can also provide peace of mind if the vehicle owner has state-minimum policy limits. Since non-owner insurance is secondary coverage, your policy will only pay if the owner’s liability coverage isn’t enough to cover the damages you cause.
An SR-22 is a form your insurance company files with the state to prove you meet its coverage requirements. Florida requires some drivers to file an SR-22 or FR-44 to reinstate their driving privileges, depending on the type of offense. Both require more liability protection than the state minimum.
An SR-22 is for drivers convicted of driving without insurance. An FR-44 is for drivers convicted of a DUI. You’ll need to have SR-22 insurance for two years or FR-44 insurance for three years.
Liability insurance requirements for an SR-22 are $10,000 per person, $20,000 per accident for bodily injury liability, and $10,000 in property damage liability (10/20/10). If you need an FR-44 for a DUI conviction, your liability requirements are even higher:
$100,000 per person for bodily injury liability
$300,000 per accident
$50,000 per accident for property damage liability
When you don’t own a vehicle, non-owner car insurance works to satisfy SR-22 and FR-44 insurance requirements. But you’ll usually pay higher rates due to the form requirements and violations on your driving record.
Florida drivers usually pay more for non-owner auto insurance than the national average because the state has high accident costs, fraud claims, and uninsured motorist rates.[3] In neighboring Georgia, non-owner rates are even higher, averaging $63 per month.
Even so, non-owner coverage still costs much less than standard car insurance because it doesn’t insure a specific vehicle.
In Florida, non-owner insurance is generally cheaper than both liability-only and full-coverage car insurance. Full-coverage policies cost more because they include comprehensive and collision insurance tied to a vehicle.
Regardless of the type of policy you buy, insurers consider the same personal factors to determine your eligibility and rate, including your age, driving history, and Florida ZIP code.
Here’s how non-owner car insurance in Florida compares to the national average, according to Insurify data.
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Florida average | $55 |
| National average | $46 |
Find a non-owner car insurance policy
Getting non-owner car insurance in Florida only takes a few steps:
Compare car insurance quotes from multiple Florida insurance companies that offer non-owner policies in Florida. Some insurers offer online quotes for non-owner coverage, while others only offer them by phone or in person.
Let the insurance agent know up front if you need an SR-22 or FR-44 to ensure your policy meets Florida’s minimum liability requirements.
Consider adding optional coverages, such as uninsured/underinsured motorist coverage, and buying enough PIP coverage to pay for your medical expenses in case of an accident, especially if you don’t have health insurance.
Buy the policy and keep proof of insurance with you when driving someone else’s vehicle, including a rental car.
Non-owner car insurance covers you if you occasionally drive a vehicle you don’t own. Below are answers to common questions about how this type of coverage works.
Yes. If you drive a vehicle you don’t own in Florida, you can get non-owner car insurance. It provides liability coverage when you drive someone else’s vehicle. Non-owner coverage is usually cheaper than standard car insurance.
Florida requires auto insurance to reinstate a suspended license. If you don’t own a vehicle, you can buy non-owner car insurance to meet the state’s liability coverage requirements to reinstate your license.
Non-owner car insurance in Florida provides personal injury protection (PIP) and liability insurance for vehicles you borrow or rent but don’t own. It kicks in if the vehicle owner’s liability limits aren’t enough to cover damages you cause in an accident.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
25 years teaching risk management and insurance course
Former commercial lines underwriter
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
