Do You Need FR-44 Insurance If You Don't Own a Vehicle?

Yes. The FR-44 is attached to your driver's license, not to a car. Selling the vehicle does not remove the requirement — it only changes which type of policy you buy.

The policy you need is a non-owner FR-44

A non-owner policy provides liability coverage when you drive a vehicle you do not own and that is not regularly available to you. It carries no comprehensive or collision coverage because there is no vehicle attached to it, and the carrier files the FR-44 certificate with the state exactly the same way it would on an owner policy.

The limits do not drop

Those limits apply whether or not you own a car. That is the single biggest reason a non-owner FR-44 costs more than people expect.

When a non-owner policy is the wrong answer

What happens when you buy a car later

Call before you drive it. The FR-44 transfers to the new policy, but the filing must never gap — bind the owner policy the same day the non-owner policy ends.

Getting it filed

We write non-owner FR-44 and SR-22 policies in Florida and Virginia and transmit the filing electronically, usually the same business day you pay.