Florida non-owner SR-22 insurance
No car in your name? A non-owner policy still satisfies the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) filing and is usually the cheapest way to get your Florida license back.
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Florida is one of only two states that use the FR-44. If your suspension came from a DUI conviction, FLHSMV will not accept an SR-22 — you need an FR-44 with 100/300/50 bodily injury and property damage limits, plus Florida's standard PIP and PDL coverage. Every other financial-responsibility suspension (uninsured accident, unsatisfied judgment, too many points) uses the SR-22 at 10/20/10.
Paid-in-full rule
FR-44 policies are commonly written prepaid so the state is not exposed to a mid-term cancellation, which is why the first payment can feel large. In some cases, though, a carrier will approve a monthly plan — ask before assuming you must pay six or twelve months at once.
Reinstatement steps
DUI school and any recommended treatment must be finished before FLHSMV will reinstate. Bring the certificate of completion, proof the FR-44 is on file, and payment for the reinstatement fee to a driver license service center, or handle it online through the FLHSMV portal.
Florida city coverage
We write SR-22 and FR-44 policies statewide, with dedicated pages for Miami, Tampa, Orlando, and Jacksonville where filing volumes and court requirements differ most.
Florida non-owner SR-22 FAQs
What is the difference between an SR-22 and an FR-44 in Florida?
Both are proof-of-insurance certificates. An FR-44 is triggered by a DUI conviction and requires 100/300/50 liability limits — ten times the bodily injury minimums of a standard SR-22 in Florida.
How long is an FR-44 required in Florida?
Three continuous years from the date your license is reinstated. A lapse cancels the reinstatement and restarts the requirement.
Can a Florida FR-44 be paid monthly?
In some cases, yes. Most FR-44 policies are prepaid for the term, but several carriers offer approved monthly payment plans that keep coverage continuous and are accepted for the filing.
Can I get a non-owner FR-44 in Florida?
Yes. If you do not own a vehicle, a non-owner FR-44 satisfies FLHSMV at the 100/300/50 limits and is far cheaper than an owner policy.