What Is Non-Owner Car Insurance or Non-Owner FR44 in Florida?
FR44 Insurance Florida - Non owners - This article is written especially for you!
What Is Non-Owner Car Insurance Also Called Non-Owner FR44 Insurance in Florida?
If you don’t own a vehicle but need to meet state insurance requirements — especially after a DUI — non-owner car insurance can be the solution. It’s specifically designed for drivers who don’t have a car but still need liability coverage
| Feature | FR‑44 Non‑Owner Policy | FR‑44 Owner (Regular) Policy |
|---|---|---|
| Vehicle Required | None needed | Vehicle owned/listed by you |
| Liability Coverage | Yes (100/300/50 minimum) | Yes |
| Physical Damage Coverage | No collision or comprehensive | Available |
| Covers Borrowed Vehicle | Yes (limited liability only) | Yes (if listed or permitted) |
| Regular Access Allowed | Not allowed | Allowed |
| Cost | Lowest option | Much higher |
| License Reinstatement Use | Yes | Yes |
One of the most common scenarios involves needing FR44 insurance without a vehicle. This often applies to people who’ve had their driver’s license suspended or revoked due to a serious driving offense such as DUI or DWI.
Why Would You Need FR44 Insurance Without a Vehicle?
Florida drivers may be legally required to carry FR44 insurance after a DUI conviction — even if they don’t own a car. This is where non-owner FR44 insurance comes in. It's a special type of policy that satisfies state requirements and helps you reinstate your driver’s license, without needing to insure an actual vehicle.
Who Should Get Non-Owner FR44 Insurance?
You might need FR44 insurance without a vehicle if:
- You’ve had a DUI or DWI in Florida
- Your license is suspended and you need to reinstate it
- You drive rental cars or occasionally borrow cars
- You don’t own a car, but you plan to drive in the future
What Does FR44 Insurance Without a Vehicle Cover?
Non-owner FR44 insurance provides liability coverage only, meaning it covers damage or injury you cause to others while driving a vehicle you don’t own. It typically does not cover:
- Damage to the car you're driving
- Medical bills for your own injuries
- Comprehensive or collision coverage
Still, it fulfills the Florida FR44 requirement and is often the cheapest way to legally drive again after a DUI.
Regularly Borrowing a Household Member’s Car
If you live with someone who owns a car—like a spouse, partner, or roommate—and you drive that car regularly, a non-owner FR‑44 policy is not appropriate. Insurance companies typically require all licensed drivers in the household to be listed on the vehicle owner’s insurance policy, whether or not they drive daily. This is because insurers assess risk based on everyone who has regular access to the vehicle.
-
Best Practice: If you live with the car owner and drive their vehicle often, you should be added to their policy as a listed driver. Then, if you are required to carry FR‑44, the FR‑44 filing must be attached to that policy, not a non-owner policy.
-
Not Allowed: You cannot legally buy a non-owner FR‑44 policy to avoid being listed on a household member’s policy. This may be considered misrepresentation and can result in denied claims or policy cancellation.
-
When Non-Owner FR‑44 Does Apply: If you do not live with the vehicle owner and only borrow cars occasionally (e.g., a friend’s or extended family member’s vehicle), a non-owner FR‑44 policy may be the right choice.
In short, if you live with someone and use their car regularly, you must be listed on their policy, and your FR‑44 should be filed through that policy. Non-owner FR‑44 insurance is only valid when you truly have no regular access to a specific vehicle in your household.
How Much Does Non-Owner FR44 Insurance Cost?
The cost of FR44 insurance without a car can vary, but it's usually cheaper than a standard FR44 policy.
Non-owner car insurance costs much less than traditional car insurance. Factors that determine how much you pay for this type of insurance are much the same as those that influence your traditional auto insurance rates. Before giving you a quote, companies will want to know your age, sex, driving record, and use intentions. Some insurers may use your credit rating. These factors help determine your risk level based on historical risk data. The higher a risk you are, the more your policy will cost.
For instance, if you’ve received a DUI citation, you’ll pay more for your non-owner car insurance policy because insurance agencies consider you a higher risk based on previous risky behavior. Other risk factors include multiple accidents and frequent claims for damage.
Non-owner car insurance typically costs less than what you'd pay for the same level of liability coverage on a car you own, but premiums can still vary widely. Your driving history, where you live, coverage limits, and other personal factors all play a role in the final price. For example, living in a large city or a state with higher average accident rates may push your premiums up, while a clean driving record or opting for lower coverage limits can keep your costs down.
We work with multiple top-rated carriers to offer you the best rates on FR44 insurance without a vehicle. Explore your options and learn more about each company:
- Progressive FR44 Insurance
- Dairyland FR44 Insurance
- Bristol West FR44 Insurance
- National General FR44 Insurance
- Infinity FR44 Insurance
Get a Free Quote for FR44 Insurance Without a Vehicle
If you need to reinstate your license in Florida and don’t own a car, we can help. Our team specializes in non-owner FR44 insurance and can provide a free, no-obligation quote that meets state requirements.
Call us at 855-678-6799
Frequently Asked Questions about Non-Owner FR-44 Insurance
Who needs non-owner FR-44 insurance in Florida?
Non-owner FR-44 insurance is for individuals who are required to file an FR-44 with the state of Florida, usually due to a DUI or similar offense, but who do not own a vehicle. It satisfies the state's liability insurance requirements without insuring a specific car.
Can I get a non-owner FR-44 policy if I live with someone who owns a car?
No. If you live with someone who owns a car and you have regular access to it, you must be listed as a driver on their policy. In this case, a non-owner FR-44 policy is not allowed and may result in denied claims or policy cancellation.
What does non-owner FR-44 insurance cover?
Non-owner FR-44 insurance provides liability-only coverage. It covers injuries and property damage you cause while driving a borrowed or rented vehicle. It does not cover physical damage to the vehicle you’re driving or your own injuries.