What Is Non-Owner Car Insurance?

FR44 Coverage

FR44 Insurance Florida - Non owners - This article is written especially for you!

 

What Is Non-Owner Car Insurance?

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.

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 find yourself frequently driving a car owned by someone you live with—like a spouse, partner, or roommate—it's important to take a different approach than simply buying a non-owner policy. In most cases, the car owner should list you as a driver on their own car insurance policy.

Insurers generally require that all licensed drivers living in the same home be named on a policy, even if you don't drive the car every day. Being officially added ensures that you’re properly covered in case of an accident, and it helps avoid any claim complications down the line. Skipping this step can lead to headaches if you ever need to file a claim, as the insurer may deny coverage if an unlisted household driver is involved.

If you occasionally borrow a friend’s or neighbor’s car but don’t live together, non-owner insurance could still be a good fit. But for household situations, ask to be added to the existing policy—it’s usually the safest and most straightforward move.

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:

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