Non-Owner FR44 Insurance Florida: Complete Guide for Drivers Without a Car
If you have a DUI conviction in Florida but don’t own a vehicle, you still need FR44 insurance to reinstate your license. A non-owner FR44 policy is the solution — and it’s significantly cheaper than insuring a car you don’t own. Here’s everything you need to know.
What Is Non-Owner FR44 Insurance
Non-owner FR44 is a liability-only auto insurance policy for drivers who don’t own a vehicle. It provides the 100/300/50 coverage Florida requires for DUI reinstatement — without insuring a specific car. The policy covers you when you drive a borrowed, rented, or shared vehicle.
Who Needs Non-Owner FR44
- You have a Florida DUI conviction and your license is suspended
- You don’t own a vehicle (sold it, never owned one, or rely on transit/rideshare)
- You need to reinstate your Florida license
- You may occasionally drive borrowed or rented vehicles
You do NOT need a vehicle to get non-owner FR44. You do NOT need to list a vehicle on the policy. You just need the liability coverage and the FR44 certificate filing with FLHSMV.
What Non-Owner FR44 Covers
| Coverage | Amount | Notes |
|---|---|---|
| Bodily Injury — Per Person | $100,000 | Required by Florida FR44 |
| Bodily Injury — Per Accident | $300,000 | Required by Florida FR44 |
| Property Damage | $50,000 | Required by Florida FR44 |
| Comprehensive/Collision | Not included | No vehicle to cover |
| PIP (Personal Injury Protection) | Not included | Vehicle owner’s policy covers PIP |
How Non-Owner FR44 Works When You Drive
Non-owner FR44 is secondary coverage. When you drive someone else’s vehicle, the vehicle owner’s insurance is primary — it pays first if there’s an accident. Your non-owner policy kicks in if the owner’s coverage is exhausted or insufficient. This structure is why non-owner policies are less expensive: the risk is shared with the primary vehicle insurer.
Important: Non-owner FR44 does NOT cover vehicles you own, co-own, or have regular access to (like a household member’s vehicle that’s available for your regular use). If you drive a household vehicle regularly, you need to be listed on that vehicle’s policy instead.
Cost of Non-Owner FR44 in Florida
| Area | Typical Monthly Rate | Annual Estimate |
|---|---|---|
| North/Central Florida (Tallahassee, Gainesville) | $30-$50/month | $360-$600/year |
| Central Florida (Orlando, Tampa) | $40-$65/month | $480-$780/year |
| South Florida (Miami, Fort Lauderdale) | $55-$85/month | $660-$1,020/year |
| Florida Keys (Monroe County) | $45-$75/month | $540-$900/year |
These rates are for non-owner FR44 with one DUI conviction and no additional major violations. Additional violations increase rates. Paying annually vs monthly saves approximately 10-15%.
Getting a Hardship License with Non-Owner FR44
Non-owner FR44 is fully accepted by FLHSMV for hardship license issuance. The process is the same as owner FR44: enroll in DUI school, get FR44 filed, install IID if required, visit DHSMV with documentation and fee. Your hardship license will show the same restrictions regardless of whether your underlying policy is owner or non-owner.
How to Get Non-Owner FR44 in Florida
- Contact a licensed Florida insurer that offers non-owner FR44 (not all do)
- Provide your Florida driver’s license number and DUI conviction date
- Pay your first month/year premium plus the FR44 filing fee ($25-35)
- Insurer files FR44 certificate electronically with FLHSMV — same day
- FLHSMV updates your record — you’re ready for the hardship license appointment
We specialize in non-owner FR44 across all of Florida. Same-day filing, no vehicle required. Call (407) 506-4611 or complete our form to get your non-owner FR44 active today.