120+ more*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Florida within the last 10 days. Last updated on April 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
In Florida, short-term or temporary auto policies are rare. Most insurance companies issue car insurance policies with six- or 12-month terms in the Sunshine State, at an average cost of $135 per month.
If you only need coverage for a few weeks or months, you have a few options, including a non-owner policy, rental car coverage, or Insurify Car. Insurify Car is an alternative to temporary car insurance that offers liability coverage with seven-day installment payments.
Continue reading to learn about temporary car insurance in Florida and how to get coverage.
All drivers in Florida — including tourists or temporary residents — must have car insurance that meets the state’s property damage and personal injury protection (PIP) coverage requirements.[1]
Florida drivers can purchase liability policies through Insurify Car and get coverage the same day.
Florida drivers can purchase a standard auto insurance policy and cancel it early, though cancellation fees may apply.
Temporary car insurance isn’t widely available in Florida, and true daily policies don’t exist. Most car insurance companies offer policies that last for six or 12 months. Longer policy terms help insurers manage administrative costs, reduce fraud risk, and better predict losses.
In Florida, you must maintain continuous insurance on registered vehicles, even if you only need coverage for a short time. If you need short-term coverage, Insurify Car or Hugo may offer more flexible alternatives.
Get a quote and buy a policy in minutes. Pay for one week.
Florida drivers searching for temporary car insurance often want coverage that starts quickly and lasts for a short time. While true “temporary” auto insurance doesn’t exist, the term often refers to flexible alternatives that don’t require a long-term commitment.
Here are several temporary car insurance options to choose from:
Best for: Drivers who need short-term coverage with flexible payment options
Insurify Car lets you purchase coverage that meets Florida’s insurance requirements and pay in seven-day increments. You typically buy a policy online and start coverage the same day.
Best for: Drivers who want to pay for coverage in monthly installments
Insurance companies don’t sell 30-day or monthly policies in Florida. “Month-to-month” coverage refers to standard auto policies billed monthly rather than for the full policy term. These policies generally last six or 12 months, even though you make monthly payments.
Best for: Drivers who borrow cars
If you don’t own a car but occasionally borrow a vehicle from a friend or family member, a non-owner car insurance policy could be useful. These policies typically have six- or 12-month terms and often cost less than standard policies.
Non-owner car insurance provides liability coverage for damages or injuries you cause while driving someone else’s car. Available through most major insurers, coverage can often start the same day you enroll.
Best for: Drivers visiting Florida or staying temporarily
Florida is one of the most popular tourist destinations in the U.S., with 143 million visitors in 2024.[2] Whether you’re in the state for a few weeks or staying for the winter, a rental car insurance policy may be necessary.
When you rent a car from a rental company, you can purchase liability, collision, or personal accident insurance at the counter. Coverage begins immediately, so you’re protected before you get behind the wheel.
Insurify Car offers liability coverage with weekly payment options for drivers in Florida. You can get coverage that meets the state’s insurance requirements and pay in seven-day installments. You can cancel at any time. You can even choose your cancellation date when you start your policy. For example, if you only need coverage for two weeks, you can set your policy to cancel 14 days after it begins.
Insurify Car offers several benefits:
Quick purchasing process: Get a quote, buy coverage, and complete the purchase in minutes. Your policy can go into effect the same day.
Easy cancellation: If you decide to buy a standard auto policy later or no longer need coverage, you can cancel your Insurify Car policy at any time.
Weekly payments: Instead of paying a larger up-front or monthly amount, you split payments into seven-day installments.
To start coverage, you’ll need to enter your drivers’ and vehicle information, get a quote, and pay your first week’s premium. Your policy can begin immediately after payment. Insurify Car provides liability-only coverage through major car insurance companies.
After your purchase, your insurance ID card is available through your account, so you’ll have immediate proof of insurance.
Short-term car insurance in Florida averages $235 per month with Insurify Car and $251 per month with Hugo. Rates vary based on factors like the company, coverage options, and deductible you choose.
Most companies, including those that offer flexible payment options, provide quotes as monthly premiums. The table below shows the average monthly quotes from insurers offering flexible or short-term coverage in Florida.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| Allstate | $139 |
| Insurify Car | $184 |
| Hugo | $195 |
In Florida, you may need coverage for a short period of time for various reasons. Here are a few situations that may apply:
You’re a seasonal resident. Millions of people are “snowbirds,” meaning they live in Florida only during the colder months. While you’re in the state, you may rent or borrow a car, so short-term coverage can help you stay insured.
You’re a tourist. From theme parks to beaches, Florida is a top destination for domestic and international travelers. If you’re traveling to the area for days or weeks, you may need rental car coverage to get around.
You plan on buying a car. If you’re using rental cars or borrowing a vehicle until you find the right car to purchase, flexible coverage can help prevent insurance lapses.
You’re borrowing a car. If you’re borrowing a car from a friend or family member, a non-owner policy helps protect you from liabilities.
You can get same-day car insurance coverage in Florida, but temporary policies aren’t widely available. You can buy a six-month policy with an insurer and cancel if you no longer need coverage, though you’ll likely pay a cancellation fee.
If you need short-term coverage, you can buy state-minimum coverage that starts immediately — including daily payment plans with Hugo or seven-day installments with Insurify Car.
All drivers in Florida must maintain coverage that meets the following requirements:
Coverage Type | Florida Minimum |
|---|---|
| Personal injury protection (PIP) | $10,000 per person |
| Property damage liability | $10,000 per accident |
If your policy lapses, the state may suspend your driver’s license, impose penalties, and your future car insurance rates may be much higher.
Unlike other states, Florida doesn’t require bodily injury liability coverage. But drivers who cause accidents involving injuries or death, or those with a driving under the influence (DUI) conviction, must carry bodily injury liability insurance. Coverage limits typically range from $10,000 to $100,000 per person and $20,000 to $300,000 per accident.
Florida has a high rate of serious motor vehicle crashes, according to the Insurance Institute for Highway Safety.[3] With this higher risk, state-minimum coverage may not provide enough protection.
A standard full-coverage policy includes comprehensive and collision coverage. It may be a better fit if you have a newer car, plan to stay in Florida for more than a few weeks, or want extra peace of mind.
To purchase short-term car insurance in Florida, follow these steps:
Pick a type of coverage. For example, if you’ll be in Florida for a few months, a non-owners policy may be a good choice. If you want state-minimum coverage, a weekly car insurance policy may be best.
Compare your options. Compare non-owner, rental car insurance, or weekly payment options to find the best fit. Insurify Car may be a good choice if you need flexible short-term coverage while in Florida.
Shop around. Rates vary by company, so it’s a good idea to get car insurance quotes from several companies. Insurance-comparison sites make it quick and easy to compare quotes online.
Choose your coverage. Make sure your policy meets Florida’s requirements for PIP and property damage liability coverage. If you’re unsure, talk to an insurance agent to confirm your coverage.
Pay the first premium. To activate your policy, pay your first insurance premium. Your insurer will provide proof of insurance.
Check quotes from 120+ top insurance companies
Whether you live in Florida for the winter or are planning to visit for a few weeks, here are answers to common questions about temporary car insurance coverage.
No. Florida doesn’t offer temporary car insurance. If you need temporary coverage, options like Insurify Car and Hugo offer flexible ways to purchase coverage quickly.
No. One-day insurance policies aren’t available in Florida outside of rental car companies, which offer coverage for the length of your rental. If you need short-term coverage, Hugo and Insurify Car offer flexible payment options, including daily or seven-day installments, respectively.
Temporary or short-term coverage is uncommon in Florida. You can register a vehicle as long as your insurance policy meets the state’s insurance requirements. You must also maintain continuous coverage to avoid penalties, fines, or registration issues.
Yes. As long as the insurer reports your coverage to the Florida Department of Highway Safety and Motor Vehicles, your policy will satisfy the state’s electronic insurance verification system.[4]
No. If you have a suspended license in Florida, you’ll need SR-22 coverage to reinstate your driving privileges. Most short-term or flexible coverage options, like Insurify Car, don’t offer these filings. Instead, you’ll need a standard policy, and your insurer must file the SR-22 form for you.
Yes. You can cancel temporary car insurance policies early in Florida, though you may have to pay a cancellation fee, and refunds vary by insurer.
Insurify data scientists analyzed more than 190 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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9+ years in personal finance writing
Certified Financial Counselor
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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