Non-Owner FR-44 in Florida: Comprehensive Guide

If a Florida DUI cost you your license and you don't own a vehicle, a non-owner FR-44 is how you get reinstated.

Who qualifies

You qualify if you have no vehicle titled in your name and no vehicle in your household that is regularly available to you. If there is a car in the home, carriers will require it to be insured on an owner policy instead — a non-owner policy will not be issued around it.

What the state wants

Florida requires 100/300/50 bodily injury and property damage liability on any FR-44, owner or not, held continuously for three years from reinstatement. Standard SR-22s use much lower limits, which is why the wrong filing gets rejected.

What the policy includes

Liability only. No comprehensive, no collision, no PIP on a vehicle you own, no coverage for a car you have regular access to. It follows you into rentals and occasional borrowed vehicles.

The reinstatement checklist

1. Confirm from your FLHSMV notice that an FR-44 is required.

2. Bind a non-owner FR-44 at 100/300/50.

3. Have the carrier transmit the filing electronically.

4. Complete DUI school and any treatment ordered.

5. Pay FLHSMV reinstatement fees.

6. Verify your record shows compliant before you drive.

Cost expectations

The limits drive the price. A non-owner FR-44 costs less than an owner FR-44 but well more than an ordinary non-owner policy. Comparing carriers matters — at these limits, the spread between companies is the largest single savings available.

When you buy a car

Bind an owner FR-44 policy first, then cancel the non-owner. Never leave a gap.

Same-day filing

We write Florida non-owner FR-44 policies and file with FLHSMV electronically, typically within hours.