Non-Owner Car Insurance in Florida (2025)
Non-owner car insurance is for drivers who don’t own a vehicle.
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Choosing not to own a car can be a great way to save money because you won’t have to pay for gas or car repairs. But if you borrow a friend’s vehicle regularly or use a car-sharing service, you may want to purchase a non-owner car insurance policy.
Non-owner car insurance provides liability coverage for drivers who don’t own a car but regularly borrow someone else’s vehicle. Here’s what you should know about how this coverage works and the best companies for Florida drivers.
Quick Facts
The average cost of non-owner car insurance is $66 per month, Insurify data shows.
USAA, State Farm, and Progressive are the best non-owner car insurance companies in Florida.
Non-owner car insurance pays for medical injuries and property damage for the other driver if you cause an accident.
What is non-owner car insurance in Florida, and who needs it?
Non-owner auto insurance is for people without a car who sometimes drive someone else’s vehicle. It’s a type of liability coverage that pays for the other driver’s injuries and property damage resulting from an accident you caused.
Non-owner car insurance is best for uninsured drivers who don’t own a vehicle but still need to drive occasionally. For example, this coverage could be a good option for you if you borrow someone else’s car regularly or use a car-sharing service.
But you don’t need non-owner car insurance if you regularly borrow a car from someone in your household. In that case, your family member can add you to their insurance policy.[?]
Florida state law requires all drivers to carry a minimum of $10,000 in property damage liability and personal injury protection (PIP) coverage. The state also requires drivers to maintain continuous coverage, so you’ll need non-owner car insurance if you regularly rent or borrow someone else’s vehicle.[?]
Important Information
If you’re trying to reinstate a suspended license and secure auto coverage, you’ll need to file an FR-44 form. An FR-44 form demonstrates proof of insurance and financial responsibility. It comes with higher liability requirements: $100,000 per person in bodily injury liability, $300,000 per accident in bodily injury liability, and $50,000 in property damage liability.
You must maintain the FR-44 form for three years after you have your license reinstated.
Best non-owner car insurance companies in Florida
The cost of non-owner car insurance varies depending on many factors, including the insurance company you choose. It’s important to research different companies and compare their rates and coverages.
Here are the best car insurance companies in Florida that offer non-owner car insurance.
USAA: Best for military members
State Farm: Best for safe drivers
Progressive: Best for discounts
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for USAA, State Farm, and Progressive are estimates based on Quadrant Information Services’ database of auto insurance rates.
In addition to rates, we considered the reported customer satisfaction metrics, IQ Score, and financial strength ratings to select the companies above.
What non-owner car insurance covers in Florida
Non-owner car insurance provides liability coverage, so it’ll protect you if you cause an accident while driving someone else’s vehicle. It’ll pay for the other driver’s medical bills and vehicle damages, but it won’t cover your injuries or damage to the car you’re driving.
Depending on your insurance policy, non-owner car insurance may also include the following coverages:
What non-owner car insurance doesn’t cover
Non-owner car insurance doesn’t provide the same level of protection as a standard auto insurance policy.
Here’s what non-owner policies don’t cover:
Damage to the vehicle you’re driving: Non-owner insurance doesn’t include comprehensive or collision insurance, so it won’t pay for any damage to the vehicle you’re driving.
Injuries to passengers: If your policy doesn’t include medical payments coverage or personal injury protection, it won’t pay for injuries to passengers in the car you’re driving.
Loss of your personal belongings: A non-owner policy doesn’t provide coverage for damaged or stolen belongings from a car you’re borrowing.
Business use: Non-owner car insurance also doesn’t cover you if you use a vehicle for work or ridesharing.
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Cost of non-owner car insurance in Florida
Non-owner car insurance costs less than buying a standard auto insurance policy because it provides less coverage.
On average, non-owner auto insurance costs $66 per month. For comparison, the average cost of standard car insurance in Florida is $155 per month for liability coverage and $205 for full-coverage insurance.
Non-owner car insurance in Florida FAQs
If you don’t own a car but periodically rent one or borrow a friend’s car, you may want to purchase non-owner car insurance. Here’s some additional information about how this type of policy works.
Can you get car insurance on a car you don’t own in Florida?
Yes. You can purchase non-owner car insurance. This policy provides liability coverage when you’re driving a vehicle you don’t own.
Do you need non-owner car insurance to rent a car in Florida?
No. You don’t need non-owner car insurance to rent a car in Florida, but you’ll need to purchase liability coverage through the rental company. The rental company should provide the minimum liability insurance needed in Florida.
Do you need car insurance to drive a friend’s car in Florida?
You may need car insurance to drive a friend’s car in Florida, depending on their auto insurance policy. Many Florida insurance companies provide coverage for permissive use, which is when someone drives your car with your permission. But some policies may have restrictions in place, so purchasing non-owner insurance is the best way to ensure you have protection.
Where can you buy non-owner car insurance?
Insurance companies like State Farm, Allstate, USAA, Progressive, and Liberty Mutual offer non-owner car insurance. It’s a good idea to reach out to several companies for quotes and compare the rates and coverage options you receive from each.
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