Temporary Car Insurance in Florida (2025)
Most car insurance companies don’t offer temporary policies, but you have a few options for short-term coverage in Florida.
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Written bySarah Sharkey
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Temporary car insurance, or short-term car insurance, isn’t a regular option from major national and regional car insurance companies. In Florida, most insurers offer car insurance policies with a minimum term of six months. But Sunshine State drivers seeking a more temporary coverage option do have other options.
Learn how temporary car insurance works in Florida and what alternatives might be available to you.
Quick Facts
Hugo offers Florida drivers car insurance with terms as short as three days.
Alternative car insurance options include non-owner car insurance, rental car insurance coverage, and pay-per-mile coverage.
Florida drivers also have the option of purchasing a standard car insurance policy and canceling it early, sometimes with a cancellation fee attached.
Best temporary car insurance in Florida
If you need car insurance for only a short time, the right short-term policy option for you will depend on your unique situation. Here, you can see a collection of top insurers in Florida.
Hugo: Best for on-demand coverage
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
4.1
Best choiceBased on 156 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo offers Florida drivers an opportunity to purchase auto insurance in small doses. Drivers can purchase as little as three days of car insurance coverage at a time. The straightforward coverage allows you to get proof of insurance in as little as six minutes and is a worthwhile option for infrequent drivers on a budget.
Pros
Provides instant coverage
Highly rated on Trustpilot
No down payment required
Cons
Coverage options are limited
May have trouble getting in touch with customer service
Only offers state-minimum liability coverage
GEICO: Best for non-owner coverage
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $157/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
3.9
A solid optionBased on 12,186 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,488)
Gerard
Verified Review
I shopped around and Geico is the lowest priced.
Reviewed in Florida on September 2025
Go with Geico because they are the lowest priced.
Yvonne
Verified Review
Insurance Renewal Review – Loyalty vs. Better Rates
Reviewed in Florida on September 2025
We have had Geico now for over 10 years and have been pleased with the overall service, but unless our kids went off our insurance policy, our rates never went down, no matter what additional discounts we added on. Now we are down to three people and are still paying close to $750/month, so we started to get quotes for a better rate since longevity or loyalty does not get us any perks.
Cheryle
Verified Review
Fair
Reviewed in New York on September 2025
The premium increases every six months, even though I have no tickets or DUIs.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
For drivers who don’t own a vehicle, GEICO offers non-owner car insurance coverage options. Non-owner policies are generally more affordable than traditional car insurance. If you want ongoing coverage for when you borrow or rent a vehicle, this might be the right fit.
Pros
Many discount opportunities
Highly rated mobile app
Third-largest U.S. auto insurer by market share with A++ (Superior) financial strength rating from AM Best
Cons
Below-average J.D. Power claims satisfaction rating
Not always the cheapest option
Limited network of local agents
Mile Auto: Best for infrequent drivers
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $113/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $153/mo |
4.1
Best choiceBased on 145 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (49)
Mark
Verified Review
Mile Auto Insurance
Reviewed in Florida on September 2025
Don't buy Mile insurance if you drive great distances, i.e., 400 miles or more.
Lesheka
Verified Purchase
Surprise Prices
Reviewed in on August 2025
I don’t like high bills, and they told me one price, then it was higher than before. It went from $167 to $470, which is higher than Progressive. I should go back to them, plus I have put a down payment. So I’m not pleased.
Bryan
Verified Review
Happy Customer
Reviewed in Tennessee on August 2025
I would like them to mail me annual wallet-sized insurance cards to show my coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto offers a pay-per-mile insurance option, which could be a great fit for infrequent drivers. Instead of requiring drivers to install a tracking device, the company tracks your mileage through odometer photos you submit.
Pros
No need to install a tracking device
Only pay for the miles you drive
Good fit for seniors and people who don’t drive often
Cons
Must manually submit a photo of your odometer each month
Average customer review on Trustpilot
No scores from J.D. Power or the National Association of Insurance Commissioners
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
In addition to rates, we considered the reported customer satisfaction metrics, IQ Score, and financial strength ratings to select the companies above.
Cheapest short-term car insurance in Florida
Sunshine State drivers seeking a short-term car insurance policy have many options. For the shortest terms available, Hugo might offer the most affordable rates. But the exact cost of your car insurance coverage varies based on the details of your unique rating factors, including your age, vehicle type, driving record, claim history, ZIP code, duration of coverage, and more.
The table below highlights the cheapest short-term car insurance options in Florida.
The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Hugo | $91 |
| State Farm | $105 |
| Direct Auto | $151 |
| GEICO | $157 |
| Mercury | $166 |
| National General | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Florida
Liability rates start as low as $91 per month
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Options for temporary car insurance
Florida law requires drivers to carry a minimum amount of liability insurance.[1] Although you need coverage while on the road, your situation might not require you to carry a standard auto policy for at least six months.
Drivers seeking temporary car insurance have several options. But the right temporary policy varies based on your situation. Below is a look at some of the most common temporary car insurance options.
Pay-as-you-go car insurance: Best for infrequent drivers
Pay-as-you-go insurance allows you to purchase car insurance for a few days or weeks at a time. If you don’t drive regularly, the option to pay for coverage when you need it is worthwhile and reduces expenses.
Pay-as-you-go auto insurance allows you to get coverage that meets the state’s legal requirements before hitting the road and also helps you fit car insurance into your budget. Since you can get coverage in relatively short bursts, you don’t have to lock yourself into a months-long car insurance policy. For infrequent drivers on a tight budget, this enhanced flexibility and control is ideal.
Hugo is one popular pay-as-you-go temporary car insurance option. If you go long periods without getting behind the wheel, pay-as-you-go coverage might work best for your short-term insurance coverage needs.
Non-owner car insurance: Best for drivers without a vehicle of their own
If you sometimes borrow a vehicle from a friend or rent a vehicle regularly, a non-owner policy provides the liability coverage you need. If you cause damage or injuries to others in an accident, this type of policy might kick in to protect you.
Non-owner car insurance is a type of secondary policy, which means that the vehicle owner’s primary insurance policy will likely be tapped first to cover any liability. But if the vehicle owner’s policy doesn’t include enough coverage to pay for the incident, your non-owner insurance policy can protect you from paying out of pocket for the rest of the costs.
Non-owner car insurance rates are generally lower than the price for a standard liability or full-coverage policy. State Farm and USAA are two companies that offer non-owner car insurance policies.
Pay-per-mile car insurance: Best for short-distance drivers
If you drive short distances infrequently, a pay-per-mile car insurance policy offers a straightforward way to get the coverage you need while only paying for the miles you drive. But if you’re a frequent driver, you likely won’t tap into savings through this type of policy.
Some drivers might not want a pay-per-mile car insurance policy due to privacy concerns. Many pay-per-mile insurers require you to install a mileage-tracking device, which might be a red flag for some drivers.[2]
Metromile, Mile Auto, Allstate, and Nationwide are a few companies that offer pay-per-mile insurance coverage.
Rental car insurance: Best for drivers renting a vehicle
Most rental companies allow you to purchase rental car insurance before driving off the lot. If you occasionally rent a vehicle to get around, rental car insurance can help you get the coverage you need on a temporary basis.[3]
The best part about rental car insurance is that you’ll only have to pay for it while you use the rental car. When you return the vehicle, you won’t face ongoing car insurance costs. But the daily cost of a rental car insurance policy might be higher than what you’d find through traditional car insurance.
If you need coverage for only a brief period while you use a rental, this might be the easier solution.
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Pros and cons of temporary car insurance
Like all financial products, temporary car insurance has advantages and disadvantages. It’s a good idea to weigh your options when finding the best policy for your situation.
Pros
Flexibility: You maintain increased control over your changing insurance needs without locking yourself into a months-long policy.
Lower overall costs: When you only pay for a few days or a week, you likely won’t pay as much as you would for a six-month policy.
Meet insurance requirements: When you get behind the wheel, temporary insurance provides the coverage you need legally for a short period of time.
Cons
Potentially higher daily rates: While you might save by skipping a six-month policy, you could end up paying more per day for coverage.
Scams to sort through: Unfortunately, some of the temporary insurance coverage offerings aren’t legitimate. Do your research and read customer reviews to make sure a company is legitimate before you purchase a policy.
Paperwork hassles: Starting and stopping insurance coverage frequently could come with extra paperwork for your to-do list.
Temporary car insurance in Florida FAQs
If you still have questions about temporary car insurance in Florida, find the answers you need below.
Can you get temporary insurance in Florida?
In the state of Florida, the standard auto insurance policy is sold in six- and 12-month terms. Major auto insurance companies usually only offer long-term policies. Some smaller insurers offer temporary car insurance policies and pay-as-you-go coverage for the miles you drive. Additionally, rental car companies usually offer insurance options on a per-day basis as a temporary solution for rental vehicles.
Is temporary car insurance legit?
Yes, some temporary car insurance options are legitimate. While some smaller companies are legit, not all temporary auto insurance offerings come from a reputable company. Take a closer look at a particular company before purchasing coverage to avoid falling for a scam. It’s also a good idea to consult reviews of the company or to contact a local insurance agent before signing on the dotted line.
What is the shortest term for car insurance?
Six months is generally the shortest term for a standard policy. But temporary car insurance options may allow you to purchase short-term coverage for days or weeks.
Which company has the cheapest car insurance in Florida?
Hugo and State Farm have the cheapest car insurance in Florida, with monthly liability rates of $91 and $105, respectively.
Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
- Insurance Information Instituteq. "Rental car insurance."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.