FR-44 Insurance Without a Vehicle: The Complete Guide

Losing the car does not end the filing. Florida and Virginia both require the FR-44 for the full court-ordered period, and the state clock does not pause because you sold the vehicle.

Step 1: Confirm it is an FR-44, not an SR-22

Read the reinstatement letter. A DUI conviction in Florida or Virginia triggers an FR-44 at 100/300/50 limits. Almost everything else — tickets, no-insurance citations, at-fault accidents without a DUI — triggers an SR-22 at state minimums. Buying the wrong one delays reinstatement by weeks.

Step 2: Qualify for a non-owner policy

Carriers require that you have no vehicle titled to you and no regular access to a household vehicle. If a spouse's car sits in the driveway, expect the carrier to require you be listed on that policy instead.

Step 3: Buy and file

The carrier issues the policy and transmits the certificate electronically. Most filings post to the state within 24–72 hours. Ask for written confirmation and check your driver record before you drive.

Step 4: Protect the filing

What it costs

A non-owner FR-44 usually costs less than an owner policy at the same limits, but far more than a standard non-owner policy. Price is driven by the 100/300/50 requirement, the DUI itself, and your state and ZIP code. Comparing carriers at those limits routinely swings the price by several hundred dollars a year.

We file the same day

We are an independent agency writing SR-22 and FR-44 filings, owner and non-owner, in Florida and Virginia.