Non-owner insurance, for drivers without a car
If you drive occasionally but own nothing to insure, this is the policy for you, and it is usually the least expensive way to satisfy a state filing.
What it covers and what it does not
A non-owner policy provides liability coverage when you drive a car you do not own and that is not regularly available to you. It does not cover the vehicle itself, it does not cover a car in your household, and it is not a substitute for the owner's policy. It exists to keep you legally covered and to hold an SR-22 or FR-44 filing.
How it works
We confirm you qualify
No vehicle in your name and no vehicle regularly available in the household. Carriers check this.
We set the limits
Minimums for an SR-22, or 100/300 thousand and $50,000 if the state requires an FR-44.
The filing goes out
Electronically, and usually the same business day the policy is bound. Ask for confirmation that the state received it.
What it costs
Meaningfully less than a policy on a vehicle, because there is no physical damage exposure at all. It is the path we point people to when the car is gone but the filing obligation is not.
It is also a way to keep continuous coverage
If you are between cars, a non-owner policy keeps your insurance history unbroken. A twelve month gap costs real money the next time you insure a vehicle, often more than the non-owner policy would have.
What this touches
Questions people actually ask
Can I drive a rental with it?
Usually yes for liability, but the rental company's damage waiver is a separate question. Ask us before the trip.
Work it out before anybody sells you anything
Four calculators that run in your browser, a page for every situation Florida puts people in, and the claims data for your own county. All of it free, and none of it behind a form. The form is for the other half of the job: when you have read enough and want a person on the phone.
Leave a name and a number and a licensed Florida agent gets in touch. No obligation, and no call from six companies you have never heard of.
A licensed Florida agent may call, text or email you about your request.