Florida FR44 Insurance Without a Car | Non-Owner Policy
A Guide: What It Is, How It Works, and What It Really Costs
Saying Goodbye to Your Car Doesn’t Mean You’re Done With FR44
Whether your car was sold, totaled, or taken off the road after a DUI, one thing hasn’t changed — the state of Florida still requires you to carry FR44 insurance. And that’s true even if you don’t own a vehicle anymore.
If you’ve had to say goodbye to your car, you’re not alone — and you’re not out of options. Florida offers a type of policy called a non-owner FR44, designed specifically for people in your exact situation.
What This Guide Covers:
-
✅ Who needs FR44 in Florida — even without a car
-
✅ What a non-owner policy includes (and what it doesn’t)
-
✅ How to avoid overpaying or making common mistakes
-
✅ What happens if you plan to get a car later
-
✅ Fastest way to file and stay compliant
Don’t own a car? You still need FR44 — here’s how to get it in minutes.
Step 1 - What You'll Need
- Florida Driver’s License (even if suspended)
- DUI conviction in Florida
- SR22 or FR44 filing requirement
Step 2 - How to File
- Get your FR44 Insurance Quote
- Submit your license number and court order
- Pay premium and filing fee
We will will file the FR44 electronically with the Florida DMV
💡 You don’t need a car — just the court requirement and license info.
Step 3 Success!
Keep your FR44 insurance active for three years to fully satisfy Florida’s reinstatement requirements.
📅 Missing a payment can restart the clock. Ask your agent about reminders or auto-pay.
Who Needs FR44 Without a Car
Even if you’ve sold your vehicle, had it totaled, or stopped driving altogether, the requirement for FR44 insurance in Florida doesn’t just go away. If the state or a court has ordered you to carry FR44 coverage, you must comply, regardless of whether you own a car.
Common situations that still require FR44:
– You received a DUI in Florida and your license was suspended.
– You moved out of Florida, but the requirement came from a Florida conviction.
– You sold or lost your vehicle, but haven’t yet satisfied the FR44 filing requirement.
– You drive a family member’s or friend’s car, but don’t have one registered in your name.
– You’re applying for a hardship license or need to reinstate your driving privileges.
Key fact: Owning a vehicle is not what triggers FR44 — the legal offense is. Whether you drive or not, if the court says you need FR44, the DMV expects it to be filed — and they will not reinstate your license without proof of it.
If you skip the filing or try to wait it out:
– Your license stays suspended.
– You risk additional fines or legal trouble.
– Your FR44 requirement period won’t even start counting down until you're in compliance.
Pro tip: Getting a non-owner FR44 is usually faster, cheaper, and easier than dealing with more license issues later. It shows you're serious about getting back on the road — even if you're not ready to buy another car yet.
What Is Non-Owner FR44 Insurance?
Non-owner FR44 insurance is a special type of auto insurance policy designed for people who are required to carry FR44 but don’t currently own a vehicle. It fulfills Florida’s legal requirement without attaching coverage to a specific car.
Instead of covering a vehicle, non-owner FR44 provides liability protection for you as a driver. It ensures you’re legally allowed to drive borrowed or rented vehicles and allows the Florida DMV to reinstate your license.
What it includes:
– Bodily injury and property damage liability
– FR44 filing with the Florida DMV
– Meets Florida’s higher minimum coverage limits after a DUI
What it doesn’t include:
– No coverage for any vehicle you own
– No collision or comprehensive protection
– No coverage for regular use of a specific car (such as a work vehicle or roommate’s car)
To qualify, you must not own a vehicle, and you must be required by the court or DMV to carry FR44. If you plan to purchase a car soon, you can convert your policy to an owner FR44 later without restarting the process.
Pro tip: A non-owner FR44 is often the fastest and most affordable way to get legally back on the road in Florida after a DUI — especially if you’re between vehicles.
How to File for FR44 Without a Car
You don’t need to own a car to get started. The process is simple — and we take care of the official filing for you.
Step 1: Get a Quote
We start by reviewing your situation and giving you an accurate quote for a non-owner FR44 policy. Rates vary based on your age, record, and location — we’ll walk you through it quickly.
Step 2: Provide Your Information
We’ll need your Florida driver’s license number, date of birth, and any court documents or DMV notices related to your FR44 requirement.
Step 3: Make Your First Payment
Once you're ready to move forward, you’ll pay the first month’s premium plus the FR44 filing fee (usually around $15–$25).
Step 4: We File It With the DMV
FR44 & SR22 Experts will electronically file your FR44 with the Florida DMV the same day. You’ll receive proof of filing and policy documentation right away.
Pro tip: Filing on your own is not allowed — the state requires the insurance company to file the FR44 form directly. We handle this for you as soon as your policy is active.
How Much Does FR44 Insurance Cost Without a Car?
Non-owner FR44 insurance is usually more affordable than a standard FR44 policy tied to a vehicle — but it’s still based on your personal history. There’s no one-size-fits-all number, because rates vary by age, location, and driving record.
What you can expect is:
– A lower monthly premium than if you had a car
– A small filing fee added to your first payment (usually $15–$25)
– The ability to pay monthly with most insurers
– A required down payment to activate coverage and file the FR44
Important: Some websites will show fake “average” prices to get you to click. But the truth is that real quotes depend on your situation — and misleading estimates can cost you time and money.
Pro tip: If you’re quoted a price before giving your license info or DUI details, it’s probably not a real quote. We’ll give you accurate pricing based on what the DMV actually needs to approve your reinstatement.
Frequently Asked Questions About FR44 Without a Car
What to Watch Out For
Buying FR44 insurance without a car can be confusing — and unfortunately, a lot of people are given bad advice or misleading quotes. Here are the most common mistakes to avoid:
Relying on instant quotes that seem too low
Some websites show teaser rates that don’t reflect your actual situation. If they don’t ask for your license number or DUI details, the quote probably isn’t real.
Letting your policy lapse
If your FR44 policy is canceled or you miss a payment, your filing is revoked and your license can be suspended again. Worse, the 3-year countdown resets from the beginning.
Buying the wrong type of policy
A standard auto policy won’t satisfy Florida’s FR44 requirement if you don’t own a car. You need a non-owner policy that includes the official FR44 filing — otherwise, your license won’t be reinstated.
Waiting too long to act
Every day without proper filing delays your reinstatement and can lead to more fines or legal issues. We can help you file quickly and stay compliant the first time.
Pro tip: Ask questions. If a site or agent can’t explain how your policy satisfies the court order, they may not specialize in FR44 — and that could cost you your license.
Comparison of Owner and Non-Owner FR44 Insurance
| Feature | Owner FR44 Insurance | Non-Owner FR44 Insurance |
|---|---|---|
| Vehicle Required | ✅ Yes | ❌ No |
| Type of Coverage | Liability + Physical Damage | Liability Only |
| Covers Borrowed Cars | ✅ Yes, with permission | ✅ Yes, with permission |
| Covers Owned Vehicles | ✅ Yes | ❌ No |
| Filing Sent to DMV | ✅ Yes | ✅ Yes |
| Valid for License Reinstatement | ✅ Yes | ✅ Yes |
| Covers Uber/Lyft or Work Use | ✅ With commercial use add-on | ❌ No — personal liability only |
Get Your FR44 Filing Started Today
You don’t need to own a car to meet Florida’s FR44 requirement — and you don’t need to figure it out alone. We help drivers every day who are navigating license suspensions, court orders, and non-owner filings.
Our team will walk you through the process, help you avoid mistakes, and file your FR44 electronically with the Florida DMV as soon as your policy is active.
Ready to get started?
Click here to request your non-owner FR44 quote now
— or call us if you have questions. We’ll make sure your filing is fast, legal, and done right.
