If you are a car owner, you might be able to get temp cable car insurance by purchasing a six-month policy and canceling it before it expires for a refund. In Florida, you will pay an average of $ 552 for a three-month impermanent cable car indemnity policy. For drivers visiting Florida that don ’ t own a car in the country, rental car insurance might be the best option for coverage. MoneyGeek evaluated the situations that may prompt the need to purchase impermanent car policy in Florida. For exemplify, you may need to purchase the coverage to reinstate your license or if you work for a rideshare party.

Can You Get Temporary Car Insurance in Florida

temp car indemnity can mean different things in different states, including Florida. If you are a cable car owner, you may decide to purchase a full coverage car indemnity policy then cancel it before six months elapse. If you do not own a car, you may consider rental car indemnity or non-owner car insurance.

Buying a Six-Month Florida Insurance Policy and Canceling It Early

In most states, insurers only sell car insurance policies with a minimal period of six months. In Florida, drivers pay an average of $ 1,104 for a 6-month irregular policy. That means you can alone get short-run policies by canceling your temp coverage early. typically, indemnity providers will refund the balance of your policy premium from the time of cancellation. For case, if you purchase irregular coverage for six months but you cancel after three months, you will pay approximately half the six-month price, which is around $ 552. besides, make sure that you do not have a relapse in your coverage when canceling your temp policy since this can result in higher annual premiums .

Cheap Temporary Car Insurance in Florida

While the standard minimum duration for cable car insurance is typically six months, MoneyGeek besides determined costs for policies with lower time spans, including 90-day and 30-day policies. Based on MoneyGeek ’ mho study, the most low-cost policy carriers in Florida for a three-month policy are, on average :

  • GEICO: $334 per 90 days
  • State Farm: $467 per 90 days

The prices outlined by MoneyGeek do not include cancellation costs since most indemnity providers do not charge any fees for canceling .

Annual Cost of Car Insurance in Florida by Policy Length

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  • company One Month Three Month Six Month
  • USAA








  • State Farm




  • MetLife




  • Allstate




  • Travelers




  • Allied




  • Mercury




  • Progressive




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Altering Florida Car Insurance Temporarily Depending on Your Needs

If you already have car policy in Florida but need to add or remove coverage, MoneyGeek recommends that you make changes to your existing policy. Drivers typically want to know about short-run car policy if their adolescent goes to college, when they are storing their vehicle or if person is borrowing their car .

When You Should Alter Your Policy Temporarily

female If you have a adolescent child who is away at college, you can temporarily remove them from your policy or ask for a discount .car2 If you want to store your car, you can save by removing everything but your comprehensive insurance. alternately, if you ’ rhenium military, use car storage discounts from USAA .male If person else drives your cable car regularly, it may be best to add them to your policy .

Cheap Temporary Car Insurance for Students in Florida

Drivers who live with their children in Florida motivation to add them to their car insurance policy. This may result in higher premiums. It costs around $ 4,403 to add an 18-year-old to your policy in Florida. Parents may get lower rates by removing their students from their policy if their child studies over 100 miles away. They may besides request distant scholar discounts or keep their child on their policy. Based on MoneyGeek ’ s research, it costs an modal of $ 734 in Florida to add a scholar to a policy for two months. Adding them for a year costs roughly $ 3,669 more. In Florida, the company that saves you the most money if you temporarily exclude a scholar from your policy is Allied. Parents save roughly $ 7,498 with this insurance company .

Annual Cost of Adding an 18-Year-Old to Car Insurance in Florida

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  • company Adding 18-year-old for two out of 12 months Adding an 18-year-old for the full class difference




  • Allstate




  • State Farm




  • Progressive




  • Allied




tip icon WHAT IF I CAN ’ T GET A DISCOUNT ? If you can not get a rebate from your insurance company and your child ’ sulfur school is within 100 miles, you can save on your premiums by comparing quotes across multiple companies. MoneyGeek ’ randomness analysis offers you a detail comparison of the cheapest insurance providers for adolescent drivers .

What to Do About Car Insurance if You’re Storing Your Car in Florida

If you want to store your car in Florida, you can save money by asking your insurance company for a car storage deduction or making your coverage comprehensive-only. In Florida, comprehensive and collision coverage with a deductible of $ 1,000 costs an average of $ 337 per year. That ’ s cheaper than the median annual price of $ 1,206 for policies that include liability coverage. Drivers from a military background and those on active duty may consider getting coverage from USAA, which not entirely provides the cheapest policies in the express but besides offers car storehouse discounts to policyholders. An annual policy from USAA costs an average of $ 944 .

What to Do If You Let Someone Else Drive Your Car

If you allow person that you don ’ t live with to drive your car in Florida, you do not need to add them to your policy since they are already covered. however, members of your family will need to be added to your policy policy if they intend to drive your car regularly.

Buying Rental Car Insurance in Florida

In Florida, you do not need to purchase irregular car policy if you intend to use rent cars. alternatively, you may consider getting rental car insurance that includes standard liability insurance but besides allows you to buy extra coverage like personal accident policy, supplementary liability indemnity and collision damage waivers. indemnity from rental car companies in Florida costs approximately $ 46 to $ 57 per day. however, you can save by selecting cheaper coverage options .

Finding Cheap Rental Car Insurance in Florida

MoneyGeek obtained analysis data from Jacksonville and discovered that lease car policy costs range from roughly $ 46 to $ 57 per day. The cheapest supplier in the submit is Enterprise, at around $ 46 per year, while Avis and Hertz both charge $ 57 per class on average. This covers indebtedness insurance equally well as addition coverages like personal accident indemnity, auxiliary indebtedness and collision damage release. If you already have car policy, you may not need to buy rental car insurance because your policy should cover the costs if you get involved in an accident. additionally, assorted credit menu companies offer collision wrong release policy for rental cars. This can help you save money .

Cost per Day of Rental Car Insurance in Florida

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  • rental company sum insurance cost auxiliary Liability Cost Collision Damage Waiver Cost personal Accident Insurance Cost
  • Enterprise





  • Avis





  • Hertz





Buying Non-Owner Car Insurance in Florida

If you do not own a car but need proof of indemnity before your suspend license gets reinstated, purchasing non-owner car indemnity may be the best option in Florida. On average, the cost of non-owner car insurance in the express is $ 999 per year. Non-owner indemnity is the most low-cost policy for drivers who do not own cars but need to file an SR-22 with Florida.

How to Get Temporary Rideshare Car Insurance for Rideshare in Florida

Florida drivers who work for a rideshare company get temp indemnity coverage once they accept fare or start transporting a passenger. This leaves a relapse in coverage between fares and can be a capital identify for rideshare indemnity to fill in this gap. however, rideshare insurance policies vary across the states, and you can use MoneyGeek ’ s comparison to select the best rideshare supplier that suits your needs while in Florida.

Frequently Asked Questions About Temporary Car Insurance in Florida

impermanent car insurance provides coverage to car owners and non-car owners alike. here are some of the normally asked questions about impermanent coverage in Florida .

You can get irregular car insurance in Florida depending on your needs. The minimum duration for the coverage is six months, although you can reduce the period by canceling your policy early on for a refund .

Most insurers will refund your agio if you cancel your cable car insurance before six months. however, you will need to cancel the policy early.


MoneyGeek collected impermanent and non-owner cable car policy quotes in Florida in partnership with Quadrant Information Services. The sample policy used in the sketch was for a 40-year-old driver with a fully coverage policy whose limits are outlined on our methodology page. The prices for students are for an 18-year-old driver added to their parent ’ second policy. The costs for 30-day and 90-day policies were determined on a prorate basis, with the assumption that insurers will refund the full agio. rental cable car indemnity rates were obtained manually using on-line tools for the three providers in Florida, including Avis, Hertz and Enterprise. About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior capacity director with MoneyGeek specializing in insurance. Mark has years of feel analyzing the insurance commercialize and creating original inquiry and capacity. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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