Non-Owner Car Insurance in Florida (2025)
Non-owner car insurance is for drivers who don’t own a vehicle.
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Written byJamie Johnson
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6 years experience in personal finance writing
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Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
Updated
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Table of contents
Table of contents
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.[1]
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.[2]
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.
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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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $97/mo |
4.9
Best choiceBased on 2,211 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,237)
Gail
Verified Review
Excellent payout for smoke damage
Reviewed in Maryland on September 2025
I have had only one incident with home insurance, and they were excellent. They paid all claims regarding smoke damage after a fire below me in the condo.
Lori
Verified Review
More expensive than others
Reviewed in Indiana on September 2025
USAA's auto insurance is higher than other insurance.
Hilary
Verified Review
Verify what you are told vs. what policy actually applies
Reviewed in Florida on September 2025
I'd say they are great at collecting premiums, but not so great with claims. Be sure you do your own research and record the information the representative explains to you. It does not necessarily mean your policy reflects what you're told by the agent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
723NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Florida has the third-largest veteran population in the country, with more than 1.4 million veterans. USAA provides coverage and discounts tailored to veterans and active-duty service members. The company has some of the cheapest average rates for non-owner car insurance.
Pros
Cheap rates for non-owner car insurance
Above-average J.D. Power customer satisfaction rating in Florida
Offers a discount for storing your car on-base
Cons
Available only to military members, veterans, and eligible family members
Limited branch locations
Low average customer rating on Trustpilot
State Farm: Best for safe drivers
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
4.1
Best choiceBased on 11,726 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,207)
Edward
Verified Review
Average
Reviewed in Wisconsin on September 2025
High price, not much better than American Family. No tickets or accidents.
Michael
Verified Review
Avoid State Farm
Reviewed in New York on September 2025
Avoid them. They almost doubled their prices. They don't return phone calls.
Retha
Verified Review
Too Expensive for Liability Insurance
Reviewed in Texas on September 2025
I pay $77 for liability insurance, which I find too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Safe drivers can save up to 30% by enrolling in State Farm’s Drive Safe & Save program. You’ll download the State Farm mobile app, which will begin collecting data about your driving habits. You’ll earn an initial discount of 10% just for signing up and have the opportunity to earn additional discounts based on your driving habits at each insurance policy renewal.
Pros
Above-average J.D. Power customer satisfaction rating in Florida
A++ (Superior) financial strength rating from AM Best
Large network of local agents
Cons
Higher average rates for drivers with DUIs
No gap insurance
No accident forgiveness coverage
Progressive: Best for discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 587 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $152/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $207/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,151)
Kevin
Verified Review
Not a good experience with Progressive
Reviewed in Illinois on September 2025
Good for the first year, then they double your rates!
Craig
Verified Review
Misleading Information
Reviewed in Michigan on September 2025
It sucks that they increased my insurance just because my sister stays here for 6 months out of the year. Then they had my dad listed, who doesn’t live here, and someone else was listed as well. I've only had them for a month, and it's already showing that it's more about money than being truthful.
Willie
Verified Review
Best in my Book
Reviewed in South Carolina on September 2025
I'm very pleased with each person that assisted me in my decision-making. Excellent staff members! 👏 👍 👌
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
587NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is a good option for drivers looking to save with discounts. The company offers discounts for bundling your policies, maintaining continuous coverage, and setting up automatic payments. Plus, Progressive has numerous tools you can use to save money. For example, the Name Your Price tool shows you the coverage options within your budget.
Pros
Offers customizable coverage
A++ (Superior) financial strength rating from AM Best
Offers pet injury coverage
Cons
Below-average J.D. Power customer satisfaction rating in Florida
Low customer rating on Trustpilot
Rates may be higher than other insurers
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:
Uninsured motorist coverage
Uninsured motorist coverage pays for medical bills for you and your passengers following an accident caused by an uninsured driver.
Medical payments coverage
Medical payments coverage pays the medical bills for you and any passengers involved in an accident.
Personal injury protection coverage
PIP coverage is similar to medical payments coverage but may also cover lost wages or funeral costs resulting from an accident.[3]
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 $209 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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Methodology
Insurify data scientists analyzed more than 90 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- Progressive. "What is non-owner car insurance?."
- Florida Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.