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Corporate communications director for Insurance Information Institute
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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.
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 |
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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. | $374/mo |
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
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.
Provides instant coverage
Highly rated on Trustpilot
No down payment required
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 |
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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. | $151/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. | $155/mo |
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.
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.
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.
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
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 |
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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 |