A DUI conviction in Florida triggers an FR44 insurance requirement — even if you don't own a car. MyFloridaFR44 (Florida Agency License #L091747) has helped thousands of Florida drivers get affordable non-owner FR44 policies and get back on the road legally. Whether you sold your car, never owned one, or just need the cheapest path to license reinstatement, we file your FR44 certificate electronically the same day you call.
What Is Non-Owner FR44 Insurance?
A non-owner FR44 policy is a specialized liability insurance policy designed for Florida drivers who are required to carry FR44 coverage but do not own a vehicle. It satisfies the state's mandatory minimum liability requirements — $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage — without requiring you to insure a specific car.
Think of it as "driver's insurance" rather than "car insurance." It follows you, the driver, not a vehicle. When you drive a friend's car, a rental, or any vehicle you don't own, your non-owner FR44 policy provides the legally required liability protection.
⚠ Important: Non-Owner FR44 Is Liability-Only
Non-owner policies do NOT include collision or comprehensive coverage. You are only covered for damage you cause to other people and their property. The vehicle you're driving is NOT covered for physical damage unless you purchase separate coverage.
Why Non-Owner FR44 Exists
Florida law requires anyone convicted of a DUI to maintain FR44 insurance for 3 years — period. The state doesn't care whether you own a car or not. The non-owner FR44 was created specifically so drivers without vehicles can still comply with the law, reinstate their licenses, and drive legally when borrowing or renting cars.
Who Needs a Non-Owner FR44 Policy?
If any of these situations describe you, a non-owner FR44 is likely your best — and most affordable — path back to legal driving:
You Had a DUI But Sold Your Car
Many drivers sell their vehicle after a DUI — whether for financial reasons or because the court suspended their license. You still need FR44 to reinstate, and a non-owner policy costs a fraction of what a full owner policy would.
You Never Owned a Vehicle
Some Florida drivers — especially in cities like Miami, Orlando, and Tampa — rely on ride-sharing, public transit, or borrowing cars. If you get a DUI but have never owned a car, non-owner FR44 is your only option.
License Reinstatement First, Car Later
Need your license back now but planning to buy a car in a few months? Start with a non-owner FR44 to get reinstated immediately, then upgrade to an owner policy when you purchase your vehicle — with no coverage gap.
You Want the Cheapest FR44 Option
Even if you do own a car, a non-owner policy can be a temporary bridge solution while you shop for the best owner-policy rates. Just be aware: if you have regular access to a vehicle you own, you legally need an owner policy.
You Live With Someone Who Owns a Car
If you live with a spouse, partner, or roommate who owns a car, you may be required to be added to their policy instead. We can advise on the best approach — call us and we'll walk through your specific living situation.
Out-of-State License, Florida DUI
If you were convicted of a DUI in Florida but hold an out-of-state license, Florida still requires FR44. Non-owner policies can satisfy this requirement even if your primary residence is in another state.
How Much Does Non-Owner FR44 Cost in Florida?
Factors That Affect Your Non-Owner FR44 Rate
- Driving Record: A single DUI with no other violations typically qualifies for the lowest rates. Multiple DUIs, reckless driving, or at-fault accidents push rates higher.
- Age & Gender: Drivers under 25 pay more. Rates generally decrease with age and driving experience.
- Location (County): Miami-Dade, Broward, and Palm Beach counties tend to have higher rates than rural counties. Urban areas with more traffic and claims history see higher premiums.
- Insurance Carrier: We compare 15+ carriers. Rates for the same driver can vary by $20-40/month between carriers. Shopping around is essential.
- Payment Plan: Paying annually or semi-annually typically costs less than monthly. Monthly payment plans add small installment fees.
- Prior Insurance History: A gap in prior insurance coverage can increase rates. Maintaining continuous coverage — even a basic liability policy — helps keep premiums low.
Non-Owner vs. Owner FR44: Cost Comparison
| Factor | Non-Owner FR44 | Owner FR44 |
|---|---|---|
| Monthly Premium Range | $14 – $50 | $80 – $300+ |
| Annual Cost (Est.) | $168 – $600 | $960 – $3,600+ |
| Down Payment | $50 – $150 | $200 – $800+ |
| Vehicle Required? | No | Yes |
| FR44 Filing Fee | $15 – $25 (one-time) | $15 – $25 (one-time) |
| Liability Coverage | $100K/$300K/$50K | $100K/$300K/$50K |
| Collision/Comprehensive | Not Available | Optional ($50-200/mo extra) |
What Non-Owner FR44 Covers — and What It Doesn't
✅ What's Covered
- Bodily Injury Liability: Up to $100,000 per person / $300,000 per accident for injuries you cause to others while driving a non-owned vehicle.
- Property Damage Liability: Up to $50,000 for damage you cause to someone else's property (their car, fence, building, etc.).
- FR44 Certificate Filing: Electronic filing with the Florida DHSMV proving you meet the state's mandatory liability requirements.
- Drives Any Non-Owned Vehicle: Coverage follows you — borrow a friend's car, rent a vehicle, or drive a family member's car (that you don't own).
- Legal Defense: If you're sued after an accident, your insurance carrier provides legal defense up to your policy limits.
❌ What's NOT Covered
- Damage to the Vehicle You're Driving: If you crash a borrowed or rented car, the physical damage to that vehicle is NOT covered.
- Your Own Medical Bills: Non-owner policies are liability-only. Your injuries after an accident are not covered (Florida's no-fault PIP coverage typically doesn't extend to non-owner policies).
- Cars You Own or Co-Own: If your name is on a vehicle title, a non-owner policy does NOT apply. You need an owner FR44 policy.
- Rental Car Physical Damage: You'll still need the rental company's collision damage waiver (CDW/LDW) for the rental vehicle itself.
- Vehicles Registered to Your Household: Most carriers exclude vehicles owned by household members. You typically need to be added to their policy instead.
Florida FR44 Requirements — The Numbers
Florida mandates significantly higher liability limits for FR44 than most other states. Here's what the law requires:
| Coverage Type | Florida FR44 Minimum | Standard Florida Minimum |
|---|---|---|
| Bodily Injury (per person) | $100,000 | $10,000 |
| Bodily Injury (per accident) | $300,000 | $20,000 |
| Property Damage | $50,000 | $10,000 |
| Duration | 3 Years | N/A |
| Filing Method | Electronic (DHSMV) | N/A |
ℹ Florida FR44 vs. SR22
Florida is one of only two states (along with Virginia) that use the FR44 certificate instead of SR22 for DUI convictions. FR44 requires 10 times the liability coverage of a standard SR22 — $100K/$300K/$50K vs. $10K/$20K/$10K. This is why FR44 costs more. Learn more about FR44 vs. SR22 →
How to Get Non-Owner FR44 Insurance Today — 4 Simple Steps
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Call 1-855-678-6977 or Get an Online Quote
Speak directly with a licensed Florida agent who specializes in FR44 filings. We'll ask a few quick questions: your name, date of birth, driver's license number, and DUI date. No obligation, no credit check for the quote. Or start with our online quote form — takes 2 minutes.
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Compare Rates From 15+ Carriers
We run your information through our network of 15+ FR44-approved carriers including Progressive, Dairyland, The General, Bristol West, and more. We find you the lowest rate that meets Florida's $100K/$300K/$50K requirements. You choose the policy that fits your budget.
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Pay & Get Filed Electronically — Same Day
Once you select a policy and make payment, we electronically file your FR44 certificate directly with the Florida DHSMV in Tallahassee. The filing typically processes within hours. You'll receive a confirmation email with your policy documents and FR44 filing receipt.
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Get Your License Reinstated
Take your FR44 filing confirmation to the Florida DHSMV (or submit online). Pay any outstanding reinstatement fees ($150-$500 depending on offense). Your license is reinstated — often the same day the FR44 processes. You can now legally drive any non-owned vehicle in Florida.
Non-Owner vs. Owner FR44: Which One Do You Need?
| Scenario | Non-Owner FR44 | Owner FR44 |
|---|---|---|
| You don't own a car | ✅ Best Choice | Not Needed |
| You own a car (title in your name) | Not Applicable | ✅ Required |
| You live with someone who owns a car | Check with Agent | ✅ Usually Required |
| You only borrow cars occasionally | ✅ Best Choice | Overkill |
| You plan to buy a car soon | ✅ Start Here | Upgrade Later |
| You want the absolute lowest rate | ✅ Cheapest Option | More Expensive |
What to Know Before You Buy
The 3-Year Requirement Is Strict
Florida mandates 3 years of continuous FR44 coverage from your reinstatement date. If your policy cancels — even for one day — the insurance company notifies the DHSMV, your license is immediately suspended, and the 3-year clock resets entirely. You start over from day one. Never let your policy lapse.
You Can Upgrade From Non-Owner to Owner
If you start with a non-owner FR44 and later buy a car, call us. We'll add the vehicle to your policy or switch you to an owner policy — without any gap in coverage and without resetting the 3-year clock. The transition is seamless and you keep the same carrier in most cases.
Out-of-State Drivers Need FR44 Too
If you were convicted of a DUI in Florida but live in another state, you still need Florida FR44 insurance to satisfy the Florida requirement. We can help with that — non-owner FR44 policies work for out-of-state drivers. See our state guide →
Monthly Payments Are Available
Most of our carriers offer affordable monthly payment plans. You don't need to pay the full annual premium upfront. A typical non-owner FR44 requires a $50-$150 down payment, then $14-$50/month going forward. Learn about monthly payment options →
Non-Owner FR44 in Your Florida City
Rates and requirements can vary by county. We provide same-day non-owner FR44 filing — and competitive local rates — in every major Florida city:
Frequently Asked Questions About Non-Owner FR44 Insurance
Yes. A non-owner FR44 policy provides all the liability coverage Florida requires — $100,000/$300,000 bodily injury and $50,000 property damage — without requiring you to own or insure a specific vehicle. It covers you as a driver when operating any vehicle you don't own. It's the most affordable FR44 option available.
Non-owner FR44 policies in Florida typically range from $14 to $50 per month. The exact cost depends on your driving record, age, location (county), DUI history, and the insurance carrier. Non-owner policies are usually 30-50% cheaper than standard owner FR44 policies because you're not insuring a specific vehicle. Annual costs typically run $168-$600, compared to $960-$3,600+ for owner policies.
A non-owner FR44 policy provides liability coverage only: $100,000 bodily injury per person, $300,000 per accident, and $50,000 for property damage. It covers you as the driver when operating vehicles you don't own. It does NOT cover damage to the vehicle you're driving, your own medical bills, or rental car physical damage. You're covered for damage you cause to other people and their property.
Same day is standard. Once you purchase a non-owner FR44 policy, we electronically file the FR44 certificate directly with the Florida DHSMV. The state typically processes electronic filings within hours. You'll also need to pay any reinstatement fees ($150-$500) and any applicable court fines. Many drivers complete the entire process — quote, payment, filing, license reinstatement — in a single business day.
Owner FR44 policies insure a specific vehicle you own and can include comprehensive/collision coverage. Non-owner FR44 policies are liability-only and cover you as a driver regardless of which non-owned vehicle you're driving. Non-owner policies are 30-50% cheaper — typically $14-$50/month vs. $80-$300+/month for owner policies — because you're only insuring your driving risk, not a physical vehicle.
Yes — a non-owner FR44 policy provides liability coverage when you're driving a rental car. However, it does NOT cover physical damage to the rental car itself. You should still consider purchasing the rental company's collision damage waiver (CDW/LDW) to protect against damage to the rental vehicle. Your non-owner FR44 covers injuries and property damage you cause to others while driving the rental.
Generally, no. If you regularly drive a household member's car, you typically need to be listed as a driver on their owner policy with an FR44 filing attached. A non-owner FR44 is designed for drivers who do not have regular access to a vehicle. If you live with someone who owns a car, most insurance carriers require you to be added to that policy rather than purchasing a separate non-owner policy. Call us at 1-855-678-6977 and we'll help determine the right approach for your living situation.
Florida requires FR44 coverage for 3 years from the date of your DUI conviction or license reinstatement. You must maintain continuous coverage for the full 3 years. Any lapse or cancellation results in immediate license suspension, and the 3-year clock resets from the date you reinstate. After 3 years of uninterrupted coverage, the FR44 requirement is satisfied and you can switch to a standard auto insurance policy.
The insurance carrier is legally required to notify the Florida DHSMV immediately upon cancellation. Your license will be suspended — often within 24-48 hours. The 3-year FR44 requirement clock resets entirely, meaning you'll need to start from the beginning when you reinstate. Additionally, a lapse creates a gap in your insurance history, which can increase your future rates. Never let your FR44 policy lapse — set up autopay and we'll remind you before renewal.
Absolutely. If you buy a car after starting a non-owner FR44 policy, you can upgrade to an owner policy at any time. We'll add the vehicle and adjust your coverage — your FR44 filing continues uninterrupted with the same carrier. The switch is seamless and the 3-year clock doesn't reset as long as there's no coverage gap. Call us when you're ready to buy a car and we'll handle the transition in minutes.
Get Your Non-Owner FR44 Filed Today
Don't wait — the longer you delay, the longer your license stays suspended. Same-day electronic filing. Monthly payments from $14/month. 15+ carriers compared so you get the lowest rate.
Licensed Florida Agency #L091747 | Same-Day Electronic Filing | 15+ Carriers Compared | No Obligation Quote