If you need to buy non-owner car insurance in Florida, you have quite a few options, even though many companies don’t advertise this specialty product. Six of Florida’s 10 largest insurers (by premiums written) do offer non-owner car insurance.
Large Non-Owner Car Insurance Providers in Florida
Source: S&P Global Market Intelligence
The average annual rate for non-owner car insurance in Florida is about $900. This coverage is usually less expensive than a traditional auto policy, but costs do vary. Your geographical location and your driving history are the most significant factors. If you live in a populous area or are considered a high-risk driver due to past violations or accidents, your rates will be higher.
A non-owner policy in Florida will include liability insurance to pay for the other driver’s losses if you cause an accident. It generally won’t include personal injury protection (PIP), which covers your own medical expenses after a crash. However, you’re covered by the PIP policy of the owner of the car you are driving.
So, make sure that non-owner car insurance is right for your needs. Then shop for the best price. Although Florida’s required coverage is low, compared to other states, its non-owner insurance premiums are among the highest in the country. To get a quote for non-owner car insurance, you’ll need to make a call or visit an agent. Even national companies generally don’t offer non-owner insurance quotes online. A local agent may give you access to multiple national or local providers.
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