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
Summary:
- The topic discussed is the Florida FR-44 insurance policy.
- The FR-44 has three main coverage components, often listed as 100/300/50.
- The numbers represent coverage amounts: $100,000 for bodily injury, $300,000 for injury to two or more people, and $50,000 for property damage.
- Purchasing coverage below these amounts is illegal, but higher coverage can be purchased.
- There are two types of FR-44 policies: owner and non-owner.
- The non-owner policy is cheaper as it doesn't involve vehicle replacement costs.
- FR-44 insurance is often required after a DUI in Florida.
- The speaker's company specializes in finding affordable FR-44 insurance policies.
- They shop across multiple insurance companies to find the best deals.
- The company offers quick quotes and has both English and Spanish speaking agents available.
Florida FR44 Owner Insurance
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.
Florida FR44 Non-Owner Insurance
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.
