MyFloridaFR44 is a licensed Florida insurance agency (License #L091747) offering non-owner FR-44 policies for Florida drivers who don't own a vehicle. If the Florida DHSMV requires FR-44, you need it — even without a car.
What Is a Non-Owner FR-44 Policy?
A non-owner FR-44 policy provides the required $100,000/$300,000 bodily injury and $50,000 property damage liability coverage for drivers who don't own a vehicle. It covers you when driving someone else's car — a friend's, a rental, or any vehicle you don't own.
Who Needs a Non-Owner FR-44?
- You had a DUI but sold your car or never owned one
- You use ride-shares, borrow cars, or occasionally rent
- You want the cheapest way to satisfy the FR-44 requirement
- You plan to reinstate your license but aren't buying a car yet
Non-Owner vs Owner FR-44
Non-owner policies are typically 30-50% cheaper than owner FR-44 policies because they don't cover a specific vehicle. You still get the required liability coverage and same-day DHSMV filing — just at a lower cost.
Frequently Asked Questions
Yes. A non-owner FR-44 policy covers you when driving any vehicle you don't own. It's the most affordable FR-44 option.
Non-owner FR-44 policies are typically cheaper than owner policies. Rates start around $14-$30/month depending on your driving record and the carrier.
Yes — a non-owner policy provides liability coverage when you're driving a borrowed or rented vehicle that you don't own.
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