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Updated August 6, 2026

Non-Owner vs. Standard FR-44: Which One Do You Need?

Both satisfy the state. They differ in what they cover, who can buy them, and what they cost.

Standard (owner) FR-44

  • Attached to a vehicle you own and title.
  • Includes liability at 100/300/50, plus optional comprehensive and collision.
  • Covers you in your own car and, usually, in borrowed vehicles.
  • Required if any vehicle is titled to you — even one you rarely drive.

    • Non-owner FR-44

  • Attached to you, not a car.
  • Liability only at the same 100/300/50 limits. No comprehensive, no collision, no coverage for a car you own.
  • Available only if you own no vehicle and have no regular access to a household vehicle.
  • Typically cheaper, because there is no rated vehicle and no physical damage coverage.

    • Choosing correctly the first time

    The most common and most expensive mistake is buying a non-owner policy while a car is still titled in your name. Carriers void or rewrite those policies when the discrepancy surfaces, and the state treats the resulting cancellation as a lapse — which re-suspends the license and can restart the filing period.

    Switching between them

    When you buy a car, the FR-44 moves to the new owner policy. Bind the new policy on the same day the old one ends so the certificate never gaps.

    Not sure which applies to you?

    Tell us whether a vehicle is titled to you and who else lives in the household — that determines the answer in about a minute. We quote both and file with the state the same day.

    Need an SR-22 or FR-44 filed today?

    We shop multiple carriers and file with the state the same day you buy.

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