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- FL Agency License L016633
Non-owner car insurance
Drive borrowed or rented cars? Need an SR-22 or FR-44 but don’t own a vehicle? A non-owner policy gives you liability coverage in your own name, usually for much less than a standard auto policy.
The short answer
Non-owner car insurance covers your liability when you drive a car you don’t own. It pays for injuries and damage you cause to others, after the car owner’s own coverage. It doesn’t cover damage to the car you’re driving. In Florida it’s most often used to satisfy an SR-22 or FR-44 requirement or to keep continuous coverage between cars.
A non-owner policy won’t cover a car you own or one that’s regularly available to you, such as a household member’s car. It also doesn’t cover physical damage to the car you’re driving. If you drive someone’s car every day, they should list you on their policy instead.
Usually, yes, because it covers only your liability and not a specific vehicle. Your record and the coverage required still affect the price.
Yes. That’s one of the most common reasons people buy it in Florida.
It provides liability coverage when you drive a rental, but not damage to the rental car itself. You may still want the rental company’s damage waiver or coverage from your credit card.
