If you got a DUI in Florida but don't own a car, a non-owner FR44 policy is designed exactly for your situation. It satisfies the DHSMV requirement at the lowest possible cost — typically $18–$42/month vs. $90–$250+/month for an owner policy.
A non-owner FR44 policy is liability-only auto insurance attached to you (not a specific vehicle). It provides:
What it doesn't cover: damage to the vehicle you're driving (that's the vehicle owner's policy), your own injuries (that's health insurance), or vehicles you own (an owner policy is required if you own a vehicle).
| Situation | Non-Owner FR44 Appropriate? |
|---|---|
| No vehicle titled in your name | ✅ Yes |
| Vehicle titled in spouse/family member's name only | ✅ Usually yes — verify with insurer |
| Living in household with a regular-use vehicle | ⚠️ Gray area — some insurers require owner policy |
| Vehicle titled in your name | ❌ No — owner policy required |
| Out-of-state resident needing Florida FR44 | ✅ Yes — can be purchased remotely |
| Surrendered your vehicle after DUI | ✅ Yes |
| Age Group | Monthly Premium (non-owner) | 6-Month Total |
|---|---|---|
| 18–21 | $40–$90 | $240–$540 |
| 22–29 | $28–$60 | $168–$360 |
| 30–45 | $18–$40 | $108–$240 |
| 46–65 | $18–$38 | $108–$228 |
| 65+ | $20–$45 | $120–$270 |
First-offense DUI, Florida. Rates vary by county and carrier.
| Policy Type | Monthly Cost | Who It's For |
|---|---|---|
| Non-owner FR44 | $18–$90/month | Drivers without a vehicle |
| Owner FR44 (sedan) | $90–$250/month | Drivers with a vehicle |
| Owner FR44 (sports/luxury) | $150–$400+/month | Higher-value vehicles |
Can I get non-owner FR44 if I sometimes borrow my parent's car?
Yes — non-owner FR44 is specifically designed for this. It covers you as a driver of borrowed vehicles. You cannot be a regular listed driver on the vehicle owner's policy while also having a non-owner policy, but occasional borrowing is exactly what it's designed for.
I surrendered my license plates but not the title. Do I need owner or non-owner FR44?
If the vehicle is still titled in your name, you technically need an owner policy. However, if the vehicle is inoperable and you're not driving it, discuss this with your insurer — some will write a non-owner policy with documentation that the vehicle is not being operated.
Does non-owner FR44 cover me in a rental car?
Yes. Non-owner FR44 provides liability coverage when you're driving any non-owned vehicle, including rentals. Note: this covers your liability (damage to others), not damage to the rental vehicle itself.
Can I switch from non-owner to owner FR44 if I buy a car?
Yes — when you purchase a vehicle, convert to an owner policy immediately. There must be no gap in coverage. The FR44 filing transfers to the new policy. Notify your insurer the day you take title of the vehicle.
Get Non-Owner FR44 Filed Today
$18–$42/month. Same-day electronic filing. All Florida counties.