How Do You Get FR-44 Insurance Without a Car?

Introduction

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.

Do You Need FR-44 Insurance If You Do Not Own a Car?

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:

• Reinstate your license
• Keep your license active
• Continue driving legally

Then you must carry a non-owner FR-44 policy if you do not own a vehicle.

What Is Non-Owner FR-44 Insurance?

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:

• Borrowed vehicles
• Rental cars
• Employer vehicles (when permitted)

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.

What Does a Non-Owner FR-44 Policy Cover?

A non-owner FR-44 policy includes:

• Bodily injury liability
• Property damage liability

Florida law requires significantly higher limits for FR-44 insurance, which currently includes:

• 100,000 dollars per person
• 300,000 dollars per accident
• 50,000 dollars property damage liability

These limits must be maintained for a minimum of three years to satisfy Florida’s FR-44 requirements.

How Do You Get FR-44 Insurance Without a Car?

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:

• Driver’s license number
• DUI conviction details
• Contact information
• Any additional required documents

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.

How Much Does Non-Owner FR-44 Insurance Cost in Florida?

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:

• 40 to 120 dollars per month, depending on the insurer and your driving history
• Additional fees may apply due to the FR-44 filing

White Chip Insurance can help drivers compare rates across multiple companies to find the most affordable non-owner FR-44 policy.

How Long Do You Need to Keep FR-44 Insurance Without a Car?

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:

• Your license may be suspended
• You may be required to restart the entire three-year period
• Additional fees and penalties may apply

Maintaining continuous coverage is essential. White Chip Insurance helps you avoid lapses by finding budget-friendly options.

Final Thoughts

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.