Florida Liability-Only Coverage for Non-Vehicle Owners
Secure affordable non owner liability coverage in Florida for SR22 requirements, Florida state compliance, and essential protection. We compare multiple insurance companies like Progressive, Dairyland, Gainsco, Bristol West, The General, and Assurance America to find you the best rates.
Why Choose A Plus Insurance for Your Florida Liability-Only Policy
Florida DMV & State Compliance Experts
We specialize in Florida’s specific insurance requirements, including SR22 filings for drivers with DUI convictions, traffic violations, or license suspensions. Our knowledge of local DMV procedures ensures your Florida liability-only non owner policy meets all state regulations.
High-Risk Driver Specialists
If you’ve been labeled high-risk due to DUI, multiple violations, or lapses in coverage, we can help. We work with carriers who specialize in non driver insurance Florida policies for challenging situations.
Multi-Carrier Comparison
Unlike single-company agencies, we compare rates from multiple top-rated carriers to find you the most affordable non owner liability coverage that provides the required protection.
2026 Florida Non Owner Policy Rate Comparison
Below are estimated monthly premiums for liability-only coverage (10/20/10) for drivers with clean records. Actual rates may vary based on individual factors.
| Insurance Company | Monthly Premium (2026) | SR22 Filing Fee | Coverage Type |
|---|---|---|---|
| Progressive | $42-58 | $25 | Liability Only |
| Dairyland | $45-62 | $25 | Liability + SR22 |
| The General | $48-65 | $30 | Liability Insurance |
| Bristol West | $44-60 | $25 | Non Owners Policy |
| Assurance America | $46-63 | $25 | Florida Minimum |
| Gainsco | $43-59 | $30 | Liability Coverage |
Note: Premiums increase for drivers requiring SR22 insurance due to DUI or serious violations. Contact us for personalized quotes.
Key Rate Factors for Florida Non Owner Policies
Understanding what affects your premium helps you secure the best possible rate for your Florida liability-only non owner policy.
Credit Factors
Florida insurers consider credit-based insurance scores when determining rates for non driver insurance Florida policies. Better credit typically leads to lower premiums.
Vehicle Usage
How often you drive borrowed or rented vehicles affects your risk assessment and premium for non owner liability coverage.
Violation History
DUI convictions, speeding tickets, at-fault accidents, and other violations significantly impact rates for Florida non owner policies.
Carrier Underwriting
Each insurance company has unique underwriting guidelines that affect pricing for Florida liability-only non owner policy coverage.
Location in Florida
Rates vary by ZIP code based on local accident rates, theft statistics, and population density across different Florida regions.
Prior Coverage
Continuous insurance history, even with non driver insurance Florida, demonstrates responsibility and can lead to better rates.
Florida Non Owner Insurance Requirements & Regulations
Florida Minimum Liability Requirements
Florida law requires all drivers to carry minimum liability coverage, even with non owner liability coverage policies:
- $10,000 Bodily Injury per person
- $20,000 Bodily Injury per accident
- $10,000 Property Damage per accident
While full coverage isn’t required by law, we recommend considering additional protection based on your needs.
Who Needs Non Owner Coverage in Florida?
Florida liability-only non owner policy is essential for:
- Drivers who frequently rent vehicles
- Individuals borrowing cars from friends/family
- Those between vehicles maintaining continuous coverage
- Drivers needing SR22 insurance without owning a car
- Florida residents using car-sharing services
- Out-of-state drivers temporarily in Florida
Additional Insurance Services
While we specialize in non driver insurance Florida policies, we also provide comprehensive coverage options across multiple lines:
Auto Insurance
Traditional policies for vehicle owners with options for liability insurance, full coverage, and SR22 insurance filings.
Homeowners Insurance
Protect your Florida home with comprehensive coverage tailored to local risks and regulations.
Motorcycle & RV Insurance
Specialized coverage for motorcycles, recreational vehicles, and other specialty vehicles in Florida.
Business Insurance
Commercial policies for Florida businesses of all sizes, including commercial auto coverage.
Last Updated on by Brian Muse