Can I get FR44 insurance without owning a car?

Yes. You do not have to buy a car to get your Florida license back after a DUI.

A non-owner FR44 policy gives you the 100/300/50 liability the DHSMV wants, without insuring a specific vehicle. It covers you as a driver when you borrow a car or rent one. It does not pay to fix the car you are driving. That stays on the owner's policy or the rental company's waiver.

We've talked to people who let an agent write an owner policy on a car that was not even theirs. That is how you overpay. If no vehicle is registered in your name, non-owner is usually the cheaper way to satisfy the filing.

Cost still varies by record, county, and carrier. We shop 15+ carriers and tell you the real number before you buy. Then we file electronically the same day.