Non-Owner Car Insurance in Florida
Numbers refreshed
Liability coverage for drivers in Florida who don't own a car.
- The monthly average for owner liability is $116.
- This state ranks 1st of 51 states for cost, the most expensive of them (1st = highest).
Who non-owner insurance is for
- You often drive borrowed or rented cars, but you don't own one.
- You have no car to insure, but Florida asks for an SR-22 / FR-44 filing.
- You want to avoid having no cover between cars, because that gap can raise the next price.
What this policy covers
A non-owner policy provides liability coverage only.
If you cause a crash while driving a borrowed car, the policy pays other people. Repairs to the car you drive aren't included. The policy of the car's owner usually pays first.
What it costs you
No official average exists for non-owner insurance. Florida car owners pay an average of $1,391 a year for liability. Non-owner policies usually cost less, since no car sits parked in your driveway daily.
First written