FR-44 Insurance Without Owning a Vehicle

Only Florida and Virginia use the FR-44, and both apply it to DUI convictions. If you don't own a car, the answer is a non-owner FR-44 — a liability-only policy attached to you rather than to a vehicle.

What it covers

Bodily injury and property damage liability at 100/300/50 when you drive a vehicle you do not own and that is not regularly available to you: rentals, a friend's car, an occasional borrowed vehicle.

What it does not cover

Why the state accepts it

The FR-44 requirement is about financial responsibility, not about a specific car. A non-owner policy proves you can pay for damage you cause behind any wheel, which satisfies FLHSMV and the Virginia DMV.

What it costs

Less than an owner FR-44 at the same limits, more than a standard non-owner policy. The 100/300/50 requirement, not the "non-owner" designation, sets the price floor.

The mistake to avoid

Do not let the policy lapse and do not cancel it when you buy a car. Bind the owner policy with FR-44 limits first, then move the filing. Any gap re-suspends the license and can restart the three-year clock.

Get filed

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