Cheapest And Best Non-Owner Car Insurance In Florida 2024

Kemper takes the lead as the best choice for affordable non-owner car insurance in Florida.

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Updated: 20 May 2024
Written by Doug Schaffer
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I’m well-acquainted with the unique financial challenges Floridians face in terms of car ownership and insurance. For many, the combined costs of car payments and insurance can rival their monthly rent or mortgage expenses.

In response to these challenges, more and more residents are choosing to forgo car ownership, instead opting for sharing or renting when necessary. Non-owner car insurance serves as a valuable safety net, providing financial protection and peace of mind.

With 15 years of experience as a licensed insurance agent and over 35 years of experience in navigating car insurance purchases, I am well-versed in the insurers being considered. While all of them are reputable, each has its unique strengths in assisting fellow Floridians.

Cheapest And Best Non-Owner Car Insurance In Florida, 2024

Cheapest Non-Owner Car Insurance, Florida 2024

Compare The Cheapest Non-Owner Car Insurance In Florida

Overall Rating Best For J.D Power Rating A.M Best Rating Get A Quote
Kemper
4.7

Cheapest Overall

736

A-

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

809

A+

Instant Quote
State Farm
4.9

Overall

826

A++

Instant Quote
Farmers
4.7

Cheapest Non Owner SR-22

810

A-

Instant Quote
Travelers
4.8

Runner-Up

Not Rated

A++

Instant Quote
Scroll to see comparisons

Our Methodology

Employing a comprehensive analysis that encompasses customer service ratings, product offerings, pricing, and an extensive evaluation of online reviews and user feedback, I've developed a well-rounded perspective on non-owner car insurance providers.
My viewpoint is informed by over 15 years of active involvement in the industry as a licensed agent, countless interactions with representatives from diverse companies, and insights gained from firsthand experiences in procuring insurance in Florida.

107

Quotes Analyzed

15+

Years Of Industry Experience

43

Brands Reviewed

30+

Research Hours

Cheapest Non-Owner Car Insurance Companies In Florida


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re primarily concerned about affordability, Kemper shines as the top choice for cost-effective non-owner car insurance in Florida. Renowned for serving high-risk drivers, Kemper extends its coverage statewide and through independent agents across the nation.

While Kemper enjoys popularity in Florida due to its competitive pricing, it’s worth noting that it receives lower customer satisfaction ratings according to the National Association of Insurance Commissioners. Nonetheless, Kemper remains the 11th largest insurer in the United States.

For active-duty military personnel or National Guard members who don’t own a personal vehicle, especially if they are deployed or stationed on a military base and frequently use others’ cars, Kemper presents an attractive option.

Florida is well-known for its high cost of living, and this also extends to car insurance. The mix of heavy traffic and a significant number of drivers without sufficient insurance coverage has driven up the expenses associated with car ownership and insurance to levels that are challenging for many.

Considering that, more and more people in Florida are choosing to forgo owning a car and instead rely on rental vehicles when needed. Finding affordable non-owner car insurance serves as a cost-effective solution for many Floridians who no longer require traditional car insurance.

Benefits & Drawbacks

Benefits
  • Affordable rates for non-owner insurance in Florida
  • Ability to obtain an SR-22 if needed
  • Strong AM Best financial strength rating
Drawbacks
  • Elevated number of customer complaints concerning policyholder service
  • Poorly rated mobile app

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive stands out as an excellent choice for non-owner car insurance in Florida, particularly if your driving record is clean. Their non-owner insurance offers crucial liability coverage, ensuring that drivers are protected from substantial costs linked to injuries or property damage they may cause in an accident. This is especially relevant due to Florida’s requirement for financial responsibility for all vehicles used or parked on its roads.

Progressive’s non-owner car insurance can be obtained through independent agents affiliated with their network, and Progressive manages the service directly. It’s worth noting that Progressive is a company with strong financial ratings and a solid track record of paying claims.

Drivers with impeccable records receive lower rates for non-owner car insurance. This is because they present less risk to insurance companies, earning rewards for their safe driving practices. Their dedication to safe driving not only serves their interests but also benefits insurance companies by reducing financial losses from claims. Maintaining a clean driving record can significantly reduce your premiums.

Benefits & Drawbacks

Benefits
  • Comprehensive coverage options
  • Best rates for safe drivers
  • Discounts for safe driving
Drawbacks
  • Absence of rental car coverage
  • Varied customer service reviews
  • Non-owner car insurance is unavailable in all states

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers stands out as a reliable choice for non-owner car insurance, especially for drivers requiring an SR-22. This form is vital for individuals labeled “high-risk” by the state due to infractions like DUIs, reckless driving, or driving without insurance.

What sets Farmers apart is their specialized services designed for high-risk drivers. Besides offering SR-22 insurance, they assist drivers with suspended licenses in a quick and straightforward reinstatement process. This commitment to a hassle-free experience distinguishes Farmers from many other insurance providers.

In terms of cost, Farmers offers SR-22 Insurance at just an average of 2% more than regular car insurance. This affordability, combined with comprehensive coverage, positions Farmers as a cost-effective choice for Florida drivers in need of an SR-22.

Selecting non-owner SR-22 insurance is a smart move for high-risk drivers without their own vehicles who occasionally need to drive. It offers liability coverage, protecting you from the financial repercussions of causing an accident when using a borrowed or rented car.

Furthermore, it maintains continuous insurance coverage, demonstrating financial responsibility. This prevents potential lapses in your insurance history, potentially saving you from higher premiums in the future.

Benefits & Drawbacks

Benefits
  • Specializes in high-risk drivers
  • Offers the lowest rates for non-owner SR-22 coverage
  • Provides comprehensive coverage options
Drawbacks
  • Some policyholders have reported issues with claim handling and resolution
  • Imposes higher rates for high-risk drivers

Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm stands out as the top choice for non-owner car insurance in Florida, and here’s why:

While it may not always have the absolute lowest rates, State Farm offers competitive pricing. In fact, you can secure a non-owner liability policy from State Farm for just $213 annually. This is significantly below the Florida average of $323 for non-owner auto insurance.

But it’s not just about cost. State Farm’s non-owner car insurance also includes essential liability protection, providing financial security if you’re found responsible for bodily injury or property damage. And here’s a bonus: If you already have a personal auto policy with State Farm that includes comprehensive coverage, it can extend to your rental car, offering an extra layer of protection.

However, what truly sets State Farm apart is its unwavering commitment to exceptional customer service. They’re easily accessible through a dedicated contact number or a user-friendly phone app, ensuring policyholders get swift assistance whenever they need it. It’s the complete package for non-owner car insurance in Florida.

Absolutely, cost is a significant factor when picking non-owner car insurance, but don’t overlook the importance of excellent customer service. Insurance isn’t just about dollars and cents; it’s about having peace of mind and the assurance that you’re fully backed in your time of need.

The ability of an insurance company to promptly and efficiently handle claims, address your questions, and provide guidance is invaluable. It’s the human touch that complements the numbers.

Benefits & Drawbacks

Benefits
  • Competitive pricing
  • Offers extensive coverage
  • Achieves high customer satisfaction
Drawbacks
  • Does not include comprehensive or collision coverage for non-owner policies
  • Provides limited discounts
  • Presents some lower-priced options

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In the realm of non-owner car insurance in Florida, Travelers takes the spotlight as our top runner-up. This is chiefly due to their customized policies and outstanding customer service.

Renowned for their exceptional customer service, Travelers proves to be a trustworthy option for insurance seekers. In the unfortunate event of an accident or a claim, having an insurer that offers prompt and efficient service and guides you through the process is paramount. Travelers consistently demonstrates its dedication to customer satisfaction.

Combined with a broad array of coverage options, including standard liability, collision, and uninsured/underinsured coverage, Travelers provides comprehensive non-owner insurance protection at a wallet-friendly price.

Non-owner car insurance primarily offers liability protection, covering costs associated with injuries or property damage you might cause to others. However, adding comprehensive and collision coverage to your policy can significantly enhance your protection, making it a smart choice for many drivers.

Comprehensive coverage serves as a safeguard against non-collision incidents like theft, vandalism, or damage from natural disasters. This ensures that you won’t have to pay out of pocket if any of these events happen.

On the other hand, collision coverage comes into play when you’re in an accident involving another vehicle or object, regardless of who is at fault. It provides an extra layer of security in various driving situations.

Benefits & Drawbacks

Benefits
  • Comprehensive coverage
  • Provides superior customer service
  • Offers competitive pricing
Drawbacks
  • Does not offer online quotes
  • Provides limited discounts
  • Charges higher rates for high-risk drivers

What Is Non-Owner Car Insurance

If you often find yourself behind the wheel of vehicles that don’t belong to you—whether it’s a rental or a car borrowed from friends or family—you might want to consider non-owner car insurance.

What’s important to know is that non-owner car insurance primarily focuses on liability. So, if you happen to be involved in an accident while driving someone else’s car, your non-owner policy will step in to handle the medical and repair expenses for the other party involved.

Now, some insurers may sweeten the deal by offering extra options. For example, you might come across coverage against uninsured or underinsured motorists, and even personal injury protection. However, a critical point to remember is that non-owner insurance usually doesn’t include comprehensive or collision coverage. In other words, any damage to the vehicle you’re driving might not be covered.

For those of you who frequently rent or borrow vehicles, non-owner car insurance adds an extra layer of security. Plus, it often proves to be more cost-effective than relying on insurance from a rental company.

But here’s an interesting twist: having a non-owner policy doesn’t just protect you; it also helps maintain continuous insurance coverage. And why does that matter? Well, it could lead to lower premiums if you decide to purchase a car in the future. So, it’s a smart move for both coverage and savings.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

An SR-22 isn’t a typical insurance policy; it’s a document that proves you have the necessary vehicle liability insurance, often required by most state Department of Motor Vehicles (DMV) offices for individuals considered ‘high-risk.’

Your insurance company takes care of filing this form, which serves as evidence that you meet your state’s minimum liability insurance requirements.

Typically, the SR-22 is mandated for drivers with suspended licenses, often due to traffic violations, DUIs, or other significant infractions. It essentially acts as a certificate of financial responsibility, verifying that you’ve obtained the required amount of auto liability insurance coverage.

The need for this document is typically set by the state or court, especially for high-risk drivers. Your insurance provider is responsible for submitting the SR-22 to the state, and if your policy ever lapses, they’re obligated to promptly notify the state.

Average Cost Of Non-Owner Car Insurance In Florida

Navigating the realm of non-owner car insurance may seem complex due to the multitude of providers and varying rates. Making a wise decision entails understanding the financial implications of your choices.

To simplify this process, we’ve prepared a comparison chart detailing the average prices of non-owner car insurance from five reputable providers.

Insurer Average Monthly Rate
GEICO $46
State Farm $76
Nationwide $77
Mercury Insurance $64
Progressive $128

How Much Is Non-Owner Car Insurance In Florida – By Age?

Non-owner car insurance rates, akin to full coverage insurance, exhibit a consistent pattern. They are typically higher for young drivers and progressively decline with age, usually stabilizing around age 55.

Below, you’ll find example rates for non-owner car insurance in Florida within ten different age groups.

Age Average Annual Rate
16 $2,127
18 $1790
21 $1,005
25 $779
35 $701
45 $660
55 $619
65 $641
70 $694
75 $781

Average Cost Of Non-Owner Car Insurance In Florida Cities

These are sample rates for five cities in Florida:

City Sample Average Annual Rate
Vernon $491
Chipley $495
Bonifay $483
Carrabelle $506
Lanark Village $483

How Much Is Non-Owner Car Insurance In Florida’s 10 Biggest Cities?

The city’s size significantly impacts how insurance companies determine car insurance rates. In larger cities with more traffic congestion, residents typically contend with higher insurance costs.

City Average Annual Rate
Jacksonville $652
Miami $985
Tampa $881
Orlando $703
St. Petersburg $735
Hialeah $1,032
Tallahassee $552
Fort Lauderdale $810
Port St. Lucie $655
Cape Coral $601

How Non-Owner Insurance Rates In Florida Compare To Other States

Interestingly, Florida’s yearly average of $323 for non-owner car insurance falls slightly below the national average of $353. Let’s take a look at the non-owner rates in the 12 most populated states:

State Average Annual Premium
North Carolina $991
New York $569
Michigan $569
Texas $413
Illinois $269
Georgia $362
National Average $356
Pennsylvania $214
California $318
Ohio $203

Should You Get Non-Owner Car Insurance In Florida?

Non-owner car insurance, crafted for individuals without personal vehicles but who occasionally get behind the wheel, provides essential liability coverage for accidents involving borrowed or rented cars. In Florida, several groups can find this insurance particularly useful:

Frequent Renters And Borrowers

If you’re frequently renting or borrowing vehicles, non-owner insurance is a prudent choice. Rental companies often charge a premium for coverage, making your own policy an economically sound option that doesn’t impact the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

For Floridians who primarily rely on public transport or rideshares but find themselves driving on occasion, non-owner insurance is an invaluable safety net. It ensures you have the necessary financial protection for those inevitable driving situations.

Individuals Aiming For Continuous Coverage

Insurance providers typically view gaps in coverage as a higher risk, potentially leading to elevated premiums down the road. If you’ve sold your vehicle and anticipate a period without ownership, a non-owner policy helps maintain uninterrupted coverage. This strategic move can lead to more favorable premiums when you decide to purchase a car in the future.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance is predominantly focused on providing liability coverage, taking care of expenses related to injuries or property damage incurred during an accident. It’s important to understand that this type of car insurance does not extend to damages to the vehicle you are driving; such costs are typically managed by the owner’s insurance policy.

In addition to liability, certain non-owner policies might offer optional features like medical payments or personal injury protection (PIP). These aspects come into play to cover your medical costs following an accident, regardless of fault.

You also have the option to include protection against uninsured or underinsured motorists, providing added coverage in case you are involved in an accident with a driver who lacks sufficient insurance. Nevertheless, it’s crucial to note that non-owner car insurance does not include comprehensive or collision coverage. Consequently, it leaves any expenses arising from theft, vandalism, natural disasters, or collisions typically unaddressed.

How To Get Non-Owner Car Insurance In Florida

Here are five essential steps to help you efficiently acquire non-owner car insurance in Florida:

Determine Your Needs

Begin by understanding why you require non-owner car insurance. Are you frequently renting vehicles or borrowing cars from friends or family? Is an SR-22 form necessary for reinstating your license? Clearly defining your needs will guide you toward the right solution.

1

Gather Personal Information

To obtain a non-owner car insurance quote, you’ll need to provide basic personal information such as your name, address, and driver’s license number. These details help insurers assess your risk level and calculate your premium.

2

Compare Quotes

It’s essential to recognize that not all insurers offer the same rates for non-owner car insurance. Therefore, it’s highly recommended to compare quotes from different providers to secure the most favorable deal.

3

Select The Appropriate Coverage

While most non-owner car insurance policies include liability coverage for accident-related expenses, some may offer additional options like uninsured motorist protection or medical payments. Choose the policy that aligns with your specific needs.

4

Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve decided on a policy, you can typically purchase it online or over the phone. Following the purchase, you’ll promptly receive proof of insurance, often via email. If necessary, your provider can also handle the filing of an SR-22 on your behalf.

5

FAQs

Do you need car insurance if you don’t own a car in Florida?

Indeed, having car insurance is essential even if you’re not a car owner in Florida. This is where non-owner car insurance comes into play. If you frequently drive borrowed or rented vehicles, this policy ensures that you’re protected in case of accidents during your drives.

Who offers the cheapest non owners car insurance in Florida?

Based on our research, Kemper emerges as the most budget-friendly choice for non-owner car insurance in Florida.

Can I buy auto insurance for someone else’s car in Florida?

Indeed, you can buy insurance for someone else’s car in Florida, but it’s a bit more complex than insuring your own vehicle. While the owner doesn’t have to be the policyholder, insurance companies often prefer the person insuring the car to have a substantial connection, such as being a co-owner or regular driver. If you frequently drive the car but aren’t the owner, a non-owner car insurance policy might be a better choice.

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