Florida FR44 Non Owner vs. Owner Insurance
If you’re trying to decide between a Florida Owner policy and the cheaper Florida FR44 Non-Owner, we’ll help you decide between Fr44 vs FR44 non owner .
Sam Ridgeway, Owner
FR44&SR22 Insurance Experts
Sam presents a video explaing the basics of FR44 Coverage in a simple, straightforward way
Summary - What is a Florida FR44:
- Sam Ridgeway introduces the topic of Florida FR-44 insurance.
- A Florida FR-44 includes three main coverage components: 100/300/50.
- $100,000 covers bodily injury, $300,000 is for injury to two or more people, and $50,000 covers property damage.
- It's required to have at least these coverage limits to be legal.
- Two types of policies are available: owner and non-owner.
- The non-owner policy is cheaper as it doesn't cover vehicle replacement.
- The Florida FR-44 is often related to DUI incidents.
- The service specializes in providing affordable Florida FR-44 insurance.
- They compare rates from multiple A-rated insurance companies.
- To get quick quotes, you can call their toll-free number and speak with licensed agents available in English and Spanish.
Owner
Florida FR44 Owner Policy
What Is a Florida FR44 Owner Policy?
A Florida FR44 Owner policy provides the same liability coverage as a Non-Owner policy, but with one key difference—it also covers your vehicle. This type of policy is for drivers who own a car and need to meet Florida’s FR44 requirements after a serious driving offense.
With an Owner policy, you can choose between Liability Only coverage or Full Coverage, which includes Collision and Comprehensive protection for your vehicle. If you’re financing or leasing your car, full coverage is usually required by your lender—and it’s a smart way to protect your investment.
Another important detail: if you’re required to install an Ignition Interlock Device, many installation companies will ask for proof of an active FR44 policy before they proceed. Having the right policy in place helps avoid delays and keeps you moving forward.
At FR44 & SR22 Insurance Experts, we’ll walk you through your options and help you choose the right coverage for your needs. Whether it’s full coverage or just the basics, we make the process fast, simple, and affordable.
Non-owner
Florida FR44 Non-Owner Policy
What Is a Florida FR44 Non-Owner Policy?
A Florida FR44 Non-Owner policy—also known as a Named-Operator Liability Policy—is designed for drivers who don’t own a vehicle but still need to meet Florida’s FR44 insurance requirements. This type of policy covers you, not the car, making it ideal if you occasionally borrow or rent vehicles.
Non-Owner FR44 policies provide secondary liability coverage, meaning the vehicle’s primary insurance pays out first in the event of an accident. Your FR44 Non-Owner policy steps in only after that primary coverage has been exhausted. Keep in mind: this type of policy does not include Collision or Comprehensive coverage for the vehicle itself—it strictly covers your liability as a driver.
Why Choose a Non-Owner FR44?
Here’s the good news: Non-Owner FR44 policies are typically much cheaper than standard owner policies. If you don’t have a car—or if you’re not planning to drive your current vehicle—this is a smart, cost-effective option that satisfies Florida’s strict 100/300/50 liability limits.
At FR44 & SR22 Insurance Experts, we specialize in helping Florida drivers get the coverage they need—fast. Whether you’re ready to purchase or just have questions, we’re here to help every step of the way.
Read more about Non-Owner FR44 policies.
