FR-44 Insurance Without a Car in Florida: Step by Step

Losing your license to a Florida DUI while not owning a vehicle is a common, frustrating situation: the state wants proof of insurance, but you have nothing to insure. A non-owner FR-44 solves it.

Step 1: Confirm you need an FR-44, not an SR-22

Florida uses the FR-44 for DUI convictions. It requires 100/300/50 bodily injury and property damage liability — far above the state's ordinary 10/20/10 financial responsibility standard. Non-DUI suspensions use a standard SR-22 instead. Filing the wrong one will not lift the suspension.

Step 2: Buy a non-owner policy

A non-owner FR-44 covers your liability when driving vehicles you don't own and that aren't in your household. It does not cover a car titled to you, a car you have regular access to, or physical damage of any kind.

Step 3: Have the carrier file electronically

Florida's FLHSMV accepts electronic filings. Most carriers transmit within 24 to 48 hours. Ask for written confirmation and check your driver record before you drive.

Step 4: Pay the reinstatement fee

The filing alone does not restore your license. You must also pay FLHSMV reinstatement fees and complete any court-ordered DUI school or treatment.

Step 5: Keep it in force for three years

Florida requires three continuous years of FR-44 coverage from the reinstatement date. A lapse of even one day restarts the clock and re-suspends the license.

What it costs

The 100/300/50 requirement is what drives the price — not the DUI alone. A non-owner FR-44 is typically less than an owner policy at the same limits, since there's no rated vehicle, but expect to pay well above a standard non-owner policy.

If you buy a car during the three years

Bind the new owner policy with FR-44 limits before cancelling the non-owner policy so there is no gap in the state's records.

We file the same day

We are a Florida independent agency that writes non-owner FR-44 policies and transmits the filing electronically, usually within hours of payment.