Non-Owner Car Insurance Agents in Florida
Browse cities in Florida to find local insurance agents who specialize in non-owner car insurance and SR-22 filing.
Florida Insurance Overview
Florida (FL) requires all drivers to carry minimum liability insurance. Non-owner car insurance is available for residents who don't own a vehicle but still need to maintain coverage, whether for SR-22 requirements, rental car usage, or occasional driving.
Minimum Liability Coverage: $10k PIP / $10k PDLFlorida requires $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL). Bodily injury liability is not mandatory for most drivers; it is triggered in certain fault/DUI scenarios via FR-44.
Uninsured Motorist: Uninsured motorist coverage must be offered; can be rejected in writing.
Notes: California has a mandatory good-driver discount and Proposition 103 rate regulation...
State Insurance Department: Visit Website
SR-22 in Florida
Florida requires FR-44 or SR-22 filing for 3 years after qualifying violations. DUI convictions require FR-44 with 100/300/50 liability limits maintained for 3 years from reinstatement (FL Stat. ยง324.023). Non-DUI financial-responsibility cases use SR-22 maintained for 2 years from the original suspension date. Filed electronically by your insurer with the FLHSMV.
FR-44 note: Florida uses FR-44 for DUI cases, which requires higher liability limits than a standard SR-22.
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