Question 1

What does a non-owner car insurance policy cover in Florida?

Accepted Answer

A Florida non-owner policy covers liability for bodily injury and property damage you cause while driving a car you do not own, plus the state's required $10,000 PIP. It does not cover collision, comprehensive, or physical damage to the vehicle driven, because you own no car. The policy is secondary, sitting behind any coverage on the vehicle you drive.

Question 2

Can I get an FR-44 filing without owning a car in Florida?

Accepted Answer

Yes. A non-owner FR-44 policy satisfies Florida's filing requirement after a DUI without owning a vehicle. The policy must carry at least $100,000/$300,000 bodily injury and $50,000 property damage liability, and the carrier files the FR-44 certificate electronically with the Florida Department of Highway Safety and Motor Vehicles for a 3-year period.

Question 3

Which insurance carriers write non-owner policies in Florida?

Accepted Answer

Carriers confirmed to write non-owner policies in Florida include Dairyland, GEICO, Progressive, The General, and USAA. For drivers needing an FR-44 filing, Dairyland, GEICO, Progressive, and The General also file non-owner FR-44 certificates. Carrier availability varies by driving history and filing requirement.

Question 4

How much does non-owner insurance cost in Florida?

Accepted Answer

Cost depends on driving history, whether an FR-44 filing is required, and coverage limits selected. A clean-record driver maintaining continuous coverage pays less than a driver filing an FR-44, because the FR-44 mandates higher liability limits and signals a DUI conviction. Individual rates vary based on these factors and the carrier tier.

Question 5

Does Florida require PIP on a non-owner policy?

Accepted Answer

Yes. Florida requires $10,000 personal injury protection on every auto insurance policy, including non-owner. PIP covers your own medical expenses and lost wages after an accident regardless of fault, and it applies when you drive a borrowed, rented, or shared vehicle.

Question 6

How long does an FR-44 filing last in Florida?

Accepted Answer

Florida requires FR-44 filing for 3 years after a DUI-related reinstatement, measured from the reinstatement date. The carrier must maintain the filing continuously for the full period; if the policy lapses or cancels, the carrier notifies the Florida Department of Highway Safety and Motor Vehicles and your license is suspended again.

Question 7

Can I use a non-owner policy to rent a car in Florida?

Accepted Answer

Yes. A non-owner policy provides liability coverage when you rent a car, sitting behind the rental company's liability coverage and ahead of the rental company's damage waiver. It does not cover physical damage to the rental vehicle itself unless you purchase the rental company's collision damage waiver separately.

Non-Owner Car Insurance — Florida

Florida Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner FR-44 Filing

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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