Non-Owner FR-44 in Florida: Compliance Essentials

Florida requires an FR-44 after a DUI conviction, and the requirement follows the driver — not the vehicle.

Florida's numbers

How a non-owner policy fits

If no vehicle is titled to you, a non-owner FR-44 satisfies the state. It covers liability when you drive a car you do not own — a rental, an occasional borrowed vehicle — at the required limits. It provides no physical damage coverage and does not cover a household vehicle.

The PIP question

Florida's personal injury protection requirement attaches to registered vehicles. A non-owner policy generally does not include PIP, because you have no registered vehicle. If you register a car later, PIP becomes mandatory and the policy must be rewritten as an owner policy.

Reinstatement sequence

1. Buy the non-owner FR-44 and have the carrier transmit the filing.

2. Pay the DHSMV reinstatement fees.

3. Verify your driver record shows the filing before you drive.

The cancellation trap

Any lapse produces an automatic notice to the state. Reinstating a second time costs more, and the three-year clock can restart. Autopay the policy for the full term.

Same-day filings

We write non-owner and owner FR-44 policies across Florida and file electronically with the state the day you bind.