In Florida, it is generally permissible for someone else to drive your vehicle, even if they don't have their own insurance, as long as they are covered under your same policy. Your insurance policy typically follows the driver, meaning that it will cover any permissive driver of your vehicle. However, if the person driving your vehicle lives with you full-time or frequently drives your vehicle, they may need to be listed on your policy to be covered.
It's important to note that different insurance companies may have different limitations and restrictions when it comes to permissive drivers, so it's always best to check with your insurance agent before letting someone else drive your car. Additionally, if you frequently drive someone else's car, you might want to consider getting non-owner car insurance to ensure that you are covered in case of an accident. Overall, as long as you have the owner's permission to drive their vehicle and they have insurance coverage, you should be covered in case of an accident. However, if the car owner doesn't have insurance, then driving their car without insurance could be illegal and result in penalties.