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Don't own a car? No problem. Get the minimum coverage required by Florida — without insuring a vehicle. It's our lowest-cost option.
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If you don't own a vehicle, this is the smartest way to meet Florida's FR-44 requirement
Non-owner policies are significantly cheaper because you're not insuring a specific vehicle. Same legal coverage, lower price.
Fulfills Florida's FR-44 filing requirement even if you don't own a car. Get your license reinstated legally.
You're protected when borrowing or renting vehicles. Perfect if you use rideshare or borrow a friend's car.
Real Florida drivers who saved with non-owner FR-44
"I don't have a car right now but needed to get my license back. Non-owner policy was only $52/month. Reinstated in 4 hours!"
"Saved me hundreds compared to a regular policy. I just needed the filing to clear my suspension. These guys made it easy."
"Didn't know non-owner was an option until I found this site. Way cheaper than insuring my dad's car that I drive sometimes."
The cheapest way to satisfy Florida's FR-44 requirement when you don't own a vehicle
Non-owner FR-44 insurance is a specialized auto insurance policy designed for Florida drivers who need to file an FR-44 certificate but do not own a vehicle. After a DUI conviction, Florida law requires you to maintain increased liability coverage — specifically $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 for property damage (100/300/50 limits). This requirement exists whether or not you own a car.
A non-owner policy provides this mandatory liability coverage without being tied to a specific vehicle. It satisfies the Florida DHSMV FR-44 filing requirement so you can reinstate your suspended license. The coverage follows you — meaning you're protected when you borrow a friend's car or rent a vehicle.
No vehicle to insure means significantly lower premiums. You only pay for the liability coverage the state requires.
Perfect if you sold your car, don't drive, or use rideshare. You still meet the legal requirement to get your license back.
We file your FR-44 electronically with the Florida DHSMV in Tallahassee the same day you purchase. Most filings are processed within hours.
See how much you save with a non-owner policy
* Rates are estimates based on 2026 Florida market data. Actual rates vary by driving record, county, carrier, and other factors. Learn how to find the cheapest FR-44 rates →
Common situations where non-owner FR-44 is the right choice
Florida requires an FR-44 filing to reinstate your license. If you don't own a car, a non-owner policy satisfies this requirement at the lowest possible cost. Read our DUI reinstatement guide →
If you sold your car but still need to maintain FR-44 coverage, switching to a non-owner policy drops your cost significantly while keeping you legally compliant.
Non-owner coverage provides liability protection when you borrow a friend's car or rent a vehicle. You're covered wherever you drive.
If cost is your primary concern and you don't need to insure a vehicle, non-owner FR-44 is the most affordable way to satisfy Florida's requirement. Monthly payment options available →
5 simple steps to license reinstatement
Fill out the form above. Takes 30 seconds.
We shop 15+ carriers for the best rate.
We file the FR-44 electronically with DHSMV.
Visit DHSMV with your filing confirmation.
Keep coverage active for 3 years — no lapses.
Non-owner FR-44 policies must include bodily injury liability of $100,000 per person / $300,000 per accident and property damage liability of $50,000. These are significantly higher than Florida's standard minimums ($25k/$50k/$25k). See our complete FR-44 insurance guide for details.
Why FR-44 coverage costs more than regular insurance
Per Florida Statutes §627.7275 and §316.193. Even non-owner policies must carry these increased limits.
Don't make these costly errors
If you don't own a vehicle, don't let an agent sell you an owner policy. You could be overpaying by hundreds per month.
FR-44 rates vary dramatically between carriers. We shop 15+ companies to find you the lowest rate. One quote is never enough.
Even a 1-day lapse triggers automatic license suspension and may reset your 3-year requirement. Set up auto-pay immediately.
Paper FR-44 filings can take 7-10 business days. Electronic filing with a licensed agent is processed the same day.
You may qualify for a hardship license while completing DUI school — letting you drive to work sooner.
Mark your calendar. FR-44 is required for 3 full years from reinstatement. Track it and don't cancel early. Read FR-44 FAQs →
Answers to the most common questions about non-owner FR-44 coverage
Non-owner FR-44 insurance is a policy that provides the liability coverage required by Florida law after a DUI conviction, without insuring a specific vehicle. It satisfies the FR-44 filing requirement so you can reinstate your driver's license even if you don't own a car. Coverage follows you when you borrow or rent vehicles.
Non-owner FR-44 policies in Florida typically cost between $49 and $89 per month. This is 40-60% cheaper than a standard owner policy because you're not insuring a specific vehicle. Factors affecting your rate include your driving record, county, and the insurance carrier selected. See our complete cost guide →
Yes. If Florida has mandated an FR-44 filing after a DUI, you must maintain continuous coverage regardless of vehicle ownership. A non-owner policy is the most affordable way to meet this legal requirement and get your license reinstated.
Non-owner FR-44 insurance provides liability coverage at Florida's required limits: $100,000 per person and $300,000 per accident for bodily injury, plus $50,000 for property damage. It covers you when driving borrowed or rented vehicles. It does not cover damage to the vehicle you're driving — that's covered by the vehicle owner's policy or CDW from a rental company.
Florida requires FR-44 insurance for 3 years from the date your license is reinstated. The coverage must be maintained continuously with no lapses. If the policy lapses, your license will be suspended again and the 3-year requirement may reset. Read more FR-44 FAQs →
Yes. If you purchase a vehicle during your FR-44 requirement period, you can switch from a non-owner to an owner policy. The FR-44 filing will be updated with the Florida DHSMV. Contact your agent to make the change without any gap in coverage. See which carriers offer owner FR-44 →
If your FR-44 insurance lapses for any reason, the insurance company is required to notify the Florida DHSMV. Your license will be suspended immediately. You'll need to reinstate the policy, pay reinstatement fees, and the 3-year requirement clock may restart. Never let your FR-44 coverage lapse — set up automatic payments to prevent accidental lapses.
Have more questions? See our complete FR-44 FAQ page →
Need help choosing between FR-44 and SR-22? Read our comparison guide →
Get the cheapest legal FR-44 option in Florida. Most quotes in under 5 minutes.
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