FR-44 insurance without a car in Florida
Sold your car or never owned one? A non-owner FR-44 covers you as a driver instead of a vehicle, meets Florida’s 100/300/50 requirement, and is usually the most affordable way to get your license back.
- ✓ Coverage follows you, not a car
- ✓ Meets the full 100/300/50 requirement
- ✓ The most affordable FR-44 path
- ✓ Filed same day with the FLHSMV
Get your non-owner FR-44 quote
About a minute. No obligation, no credit check to quote.
By submitting, you agree to be contacted about your quote. Your info is never sold. This is a quote request, not a bind of coverage.
What is a non-owner FR-44 policy?
Sometimes called an operator’s policy, it insures the driver rather than a specific car, then files the FR-44 with the state.
You, the driver
Liability that travels with you into any car you are permitted to drive, at Florida’s post-DUI limits.
FR-44 filing
Your insurer files the certificate with the FLHSMV, exactly as it would for an owner policy.
Legal to drive again
No vehicle required. The filing satisfies the state so your suspension can be lifted.
Who is a non-owner FR-44 for?
You need a non-owner FR-44 if Florida requires the filing after a DUI but no vehicle is registered to you or your household.
- You sold your car or never owned one
- You rely on transit but still must reinstate
- You drive a company car or borrow one occasionally
What does a non-owner FR-44 cover?
It carries the liability that follows you, but it does not insure a specific vehicle for physical damage.
Liability that follows you Included
Bodily injury and property damage at 100/300/50, wherever you drive a permitted car.
Borrowed & rented cars Included
Your liability extends to vehicles you occasionally drive but do not own.
Cars you or your household own Not covered
Not covered. A vehicle you have regular access to belongs on an owner policy.
Physical damage Not covered
No comprehensive or collision, because there is no vehicle of yours to repair.
Before you file
- If you buy a car, you switch to an owner FR-44 right away. Call us before you buy so the filing never lapses.
- Keep the policy continuous for about three years. A lapse is reported to the state and can restart the clock.
- Some non-owner policies are liability-only; we tell you exactly what your quote includes.
Does a non-owner policy really meet the requirement?
Yes. A non-owner FR-44 carries the same 100/300/50 liability Florida requires after a DUI. You give up physical-damage coverage, not the limits.
How fast can I get a non-owner FR-44?
Often the same day. Because there is no vehicle to inspect, non-owner policies are usually the quickest to place and file.
Tell us your situation
A few details about you and your driving. No car information needed.
Pick your coverage
We compare non-owner rates across carriers and show you the lowest.
We file it
Your FR-44 goes to the FLHSMV electronically so reinstatement can proceed.
Non-owner vs owner FR-44
The right choice comes down to one thing: whether a vehicle is registered to you or your household.
| Non-owner (this page) | Owner | |
|---|---|---|
| Best for | Drivers with no vehicle | Drivers who own or lease |
| What it insures | You, in any permitted car | Your specific vehicle |
| Liability limits | 100/300/50 | 100/300/50 |
| Physical damage | Not included | Available |
| Typical cost | The more affordable option | Higher |
How much does a non-owner FR-44 cost?
There is no flat price, but a non-owner policy is usually the least expensive FR-44 because it carries no physical-damage coverage. Your rate still depends on the factors below.
What shapes your rate
We compare non-owner carriers, apply every discount, and re-shop each renewal as the DUI ages.
Non-owner is the cheapest way to comply. We line up carriers so you never overpay for a required filing.
Get my free quoteWhy non-owner drivers choose us
I don’t own a car and thought I was out of options. They set me up with a non-owner FR-44, filed it fast, and I was legal to drive again in no time.Tammy G. · Verified Google review
Reviews are from our Google Business Profile. Individual results vary.
Non-owner FR-44 questions, answered
Is a non-owner FR-44 really cheaper?
Usually, yes. A non-owner policy carries no comprehensive or collision coverage because there is no vehicle of yours to repair, so it is typically the least expensive way to satisfy the FR-44 requirement.
Can I drive a rented or borrowed car with a non-owner FR-44?
Yes. The liability follows you into vehicles you are permitted to drive but do not own. It does not cover damage to the borrowed or rented car itself, so consider the rental company's damage waiver.
What if my spouse or roommate owns a car?
If you have regular access to a household vehicle, carriers usually expect that car to be on an owner policy. Tell us your living situation and we will place the correct policy.
Does a non-owner FR-44 include PIP?
It varies by carrier. Some include limited personal injury protection and some are liability-only. We explain exactly what your quote covers before you commit.
How fast can I get a non-owner FR-44 filed?
Often the same day. With no vehicle to inspect, non-owner policies are usually the quickest to place, and we file the certificate electronically with the FLHSMV.
What happens when I buy a car?
You switch to an owner FR-44 immediately so your specific vehicle is insured. Call us before you buy so the filing stays continuous and your license is never at risk.
Informational only. Not legal, financial, or insurance advice. FR-44 requirements are set by Florida (FLHSMV) and the courts and can change, so verify your specific requirement with the FLHSMV. Pricing shown is illustrative, not a quote.
FR-44 guides on this topic
Get your non-owner FR-44 quote today
Same-day filing available. Talk to a licensed Florida agent. Ask for Evan.