If you were convicted of a DUI in Florida, you may be required to file an FR-44 with the state, even if you do not currently own a vehicle. Many drivers are surprised to learn that you can still be required to maintain FR-44 insurance without a car. This type of policy is known as a non-owner FR-44 insurance policy, and it provides the state with proof that you carry the required higher liability limits following a DUI conviction.
This guide explains how FR-44 insurance works if you do not own a car, who needs it, how to apply, and how White Chip Insurance can help you find the most affordable non-owner FR-44 policy in Florida.
Yes. In Florida, if the court requires an FR-44 filing after a DUI conviction, you must maintain the filing whether or not you own a vehicle. The state views FR-44 as a proof of financial responsibility, not as traditional car insurance.
If you want to:
Then you must carry a non-owner FR-44 policy if you do not own a vehicle.
A non-owner FR-44 insurance policy is a liability-only plan designed for drivers who do not own a car but still need to file an FR-44 with the state of Florida. The policy provides liability coverage when you occasionally drive a car you do not own, such as:
This policy does not cover damage to a vehicle you own because it is strictly designed for drivers without personal vehicles. White Chip Insurance helps drivers compare multiple non-owner FR-44 options to find the lowest available rates.
A non-owner FR-44 policy includes:
Florida law requires significantly higher limits for FR-44 insurance, which currently includes:
These limits must be maintained for a minimum of three years to satisfy Florida’s FR-44 requirements.
Here are the steps to get an FR-44 policy if you do not own a vehicle.
1. Contact an insurer that offers non-owner FR-44 policies
Not all carriers provide this type of coverage. White Chip Insurance works with insurers that specialize in SR-22 and FR-44 filings and can find a policy quickly.
2. Provide your personal and driving information
You will need:
3. Choose a non-owner liability policy
The insurer will help you select a non-owner policy that meets Florida’s FR-44 liability limits.
4. Have the insurer file the FR-44 with the state
This filing provides the Florida DMV with proof of financial responsibility.
**5. Make your first payment
Most insurers require the first payment in full or a substantial down payment for FR-44 filings.
White Chip Insurance assists with each step, ensuring your FR-44 is filed correctly and quickly.
Non-owner FR-44 insurance is generally cheaper than standard FR-44 insurance for drivers who own vehicles because it covers fewer risks.
In Florida, non-owner FR-44 policies typically cost:
White Chip Insurance can help drivers compare rates across multiple companies to find the most affordable non-owner FR-44 policy.
Florida requires drivers to maintain FR-44 insurance for at least three years from the date of reinstatement or the date mandated by the court.
If you cancel the policy early or let it lapse:
Maintaining continuous coverage is essential. White Chip Insurance helps you avoid lapses by finding budget-friendly options.
Getting an FR-44 filing in Florida without owning a car is very common after a DUI. A non-owner FR-44 policy provides the required liability coverage so you can reinstate your license and stay compliant with state law. While FR-44 insurance can be costly, non-owner policies are a more affordable alternative.
White Chip Insurance helps Florida drivers compare non-owner FR-44 policies, file required paperwork, and find the lowest rates available. Their licensed agents provide free guidance and fast enrollment to ensure you remain fully compliant.
Yes. If the state requires FR-44 filing, you must carry it regardless of driving frequency.
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