Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Florida driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $45 a month in Florida for the coverage limit of 10/20/10′.
- The non-owner car insurance rate is $545 per year—lower than liability-only coverage of $1,629 for Florida drivers.
- Geico offers the cheapest non-owner car insurance rates in Florida at an average cost of $31 per month.
Do I need non-owner car insurance in Florida?
Non-owner car insurance in Florida is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Florida
Non-owner car insurance costs an average of $45 a month and $545 per year in Florida for the coverage limit of 10/20/10′.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Florida
According to CarInsurance.com’s analysis, Geico offers the lowest non-owner car insurance rates in Florida, with an average cost of $31 per month. Travelers and State Farm also provide affordable non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
See the cheapest companies for non-owner car insurance in Florida in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $373 | $31 |
| Travelers | $430 | $36 |
| State Farm | $469 | $39 |
| Nationwide | $504 | $42 |
| Mercury Insurance | $815 | $68 |
| National General | $1,026 | $86 |
| Progressive | $1,053 | $88 |
Non-owner car insurance in Florida, by age and gender
Non-owner car insurance costs in Florida vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $2,227 monthly, whereas if you add a 16-year-old female, you’ll pay $2,117 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Florida.
The table below shows how non-owner car insurance rates vary by age and gender in Florida.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $1,907 | $1,798 |
| Young Adults (20-24) | $894 | $792 |
| Adults (25-60) | $523 | $538 |
| Seniors (65-75) | $570 | $536 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Florida cities
Non-owner auto insurance cost in Cape Coral is $39 a month or $464 a year, whereas drivers in Jacksonville pay $43 a month for the same coverage.
Insurance rates vary by city in Florida. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Florida generally pay higher insurance premiums, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Cape Coral | $464 | $39 |
| Jacksonville | $512 | $43 |
| Orlando | $539 | $45 |
| Port St. Lucie | $558 | $47 |
| St. Petersburg | $572 | $48 |
| Fort Lauderdale | $611 | $51 |
| Tallahassee | $628 | $52 |
| Tampa | $632 | $53 |
| Miami | $687 | $57 |
| Hialeah | $694 | $58 |
Affordable non-owner insurance in Florida, by ZIP code
In Florida, a 40-year-old driver living in ZIP code 33927 pays $354 a year or $29 per month for non-owner insurance, while the coverage costs $360 a year or $30 per month for a driver in ZIP code 33938 with a clean driving record.
When should you consider buying non-owner car insurance in Florida?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Florida
Non-owner car insurance is a good option in Florida to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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