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–$300+/month for an owner policy. That's a savings of $400–$1,800 per year.
A non-owner FR44 policy is liability-only auto insurance attached to you (the driver), not to a specific vehicle. The Florida DHSMV requires an FR44 certificate on file to reinstate your license after a DUI — and that certificate must be backed by an active insurance policy. Non-owner FR44 satisfies that requirement without requiring you to own, register, or insure a vehicle.
Here's what a non-owner FR44 policy provides:
What it does NOT cover:
Non-owner FR44 is available to Florida drivers who need an FR44 filing but don't own a vehicle. Here's how to tell if you qualify:
| Your Situation | Non-Owner FR44? | Notes |
|---|---|---|
| No vehicle titled in your name | ✅ Yes — ideal candidate | This is exactly what non-owner FR44 is designed for |
| Vehicle titled in spouse/family member's name only | ✅ Usually yes | Verify with insurer — some ask about household vehicles |
| Surrendered/sold your vehicle after DUI | ✅ Yes | Bring proof of sale/transfer if asked |
| Out-of-state resident needing Florida FR44 | ✅ Yes | Can be purchased remotely; covers you nationally |
| Living in household with a regular-use vehicle | ⚠️ Gray area | Some insurers require you on the owner policy instead |
| Vehicle titled in your name (even if non-operational) | ❌ No | Owner policy required — DHSMV cross-references vehicle registration |
| Drive for Uber/Lyft/Delivery | ❌ No | Need commercial/rideshare policy with FR44 endorsement |
Non-owner FR44 is the cheapest way to satisfy Florida's FR44 requirement. Here's what you can expect to pay based on age, county, and carrier:
| Age Group | Monthly Premium | 6-Month Total | 3-Year Total |
|---|---|---|---|
| 18–21 | $40–$90 | $240–$540 | $1,440–$3,240 |
| 22–29 | $28–$60 | $168–$360 | $1,008–$2,160 |
| 30–45 | $18–$42 | $108–$252 | $648–$1,512 |
| 46–65 | $18–$38 | $108–$228 | $648–$1,368 |
| 65+ | $20–$45 | $120–$270 | $720–$1,620 |
First-offense DUI, Florida. Rates vary by county, carrier, and driving history. Second DUI increases rates 60–120%.
| Carrier | Non-Owner Monthly | Down Payment | Electronic Filing |
|---|---|---|---|
| Dairyland | $20–$45 | $0–$99 | Same-day |
| Progressive | $22–$48 | $0–$150 | Same-day |
| Geico | $20–$42 | $25–$99 | Same-day |
| Bristol West | $23–$50 | $0–$99 | Same-day |
| Gainsco | $22–$48 | $0–$99 | Same-day |
| Mercury | $21–$47 | $50–$125 | Same-day |
| Foremost | $24–$52 | $0–$99 | Same-day |
| County Tier | Example Counties | Non-Owner Avg |
|---|---|---|
| Tier 1 (Highest) | Miami-Dade, Broward, Palm Beach | $28–$55/mo |
| Tier 2 (High) | Hillsborough, Orange, Pinellas | $24–$48/mo |
| Tier 3 (Medium) | Lee, Polk, Brevard, Volusia | $22–$45/mo |
| Tier 4 (Lower) | Escambia, Bay, Okaloosa | $20–$40/mo |
| Tier 5 (Lowest) | Liberty, Lafayette, Dixie, Union | $18–$35/mo |
Before choosing, understand the full cost difference over the 3-year FR44 requirement period:
| Feature | Non-Owner FR44 | Owner FR44 |
|---|---|---|
| Monthly cost (age 30-45) | $18–$42 | $90–$250 |
| 3-year total | $648–$1,512 | $3,240–$9,000 |
| Coverage limits | $100K/$300K/$50K | $100K/$300K/$50K |
| DHSMV filing | ✅ Same FR44 certificate | ✅ Same FR44 certificate |
| Covers borrowed cars | ✅ Yes | ✅ Yes (your vehicle + borrowed) |
| Covers owned vehicle | ❌ No | ✅ Yes |
| Collision/comprehensive | ❌ Not available | ✅ Available |
| Vehicle required | ❌ No | ✅ Yes |
| 3-year savings | $2,592–$7,488 saved | |
The process to get your non-owner FR44 filed and your license reinstated:
A lapse in coverage — even for one day — has serious consequences:
Yes — non-owner FR44 is specifically designed for this situation. It provides liability coverage when you drive borrowed vehicles. You don't need to be listed on the vehicle owner's policy for occasional borrowing. The owner's policy covers damage to their vehicle; your non-owner policy covers your liability to others if you cause an accident.
If the vehicle is still titled in your name, you technically need an owner policy — DHSMV cross-references titles with FR44 filings. However, if the vehicle is inoperable, sold but not yet transferred, or being used as a trade-in, discuss your situation with us. Some carriers will write non-owner with documentation that the vehicle is not being operated.
Yes. Non-owner FR44 provides liability coverage when driving any non-owned vehicle, including rental cars. It covers damage you cause to other people/property. It does NOT cover damage to the rental vehicle itself — you'd need the rental company's CDW/LDW coverage or a credit card with rental car damage protection for that.
Yes — and it's seamless. When you purchase a vehicle, call us immediately to convert to an owner policy. The FR44 filing transfers to the new policy with no gap in coverage. Never cancel your non-owner policy until the owner policy is active and the FR44 transfer is confirmed. Most carriers process the switch same-day.
Florida requires FR44 coverage for a minimum of 3 years from the date of your license reinstatement (not the DUI conviction date). The 3-year clock starts when DHSMV reinstates your license. After 3 years of continuous coverage with no lapses, you can cancel the FR44 policy and switch to standard insurance — or go without coverage if you don't drive.
Dairyland Insurance consistently offers the lowest non-owner FR44 rates ($20–$45/month). Geico ($20–$42/month) and Mercury ($21–$47/month) are also competitive. The cheapest carrier varies by your age, county, and driving history — an independent agent can compare all carriers simultaneously to find your best rate at no cost.
Non-owner FR44 covers occasional use of borrowed vehicles. If you regularly drive the same vehicle (e.g., your spouse's car daily), most insurers consider you a "regular use" driver and require you to be listed on that vehicle's owner policy. Non-owner is designed for drivers who don't have regular access to a specific vehicle.
If you received a Florida DUI but hold an out-of-state driver's license, you may still need a Florida FR44 filing. Florida reports DUI convictions to your home state through the Interstate Driver's License Compact, and your home state may require its own SR22/FR44 filing. However, Florida DHSMV also requires an FR44 on file to clear any Florida hold on your driving privilege.
Non-owner FR44 works for this situation — you don't need a Florida vehicle or Florida address. The policy covers you nationally and satisfies Florida's DHSMV requirement. We help out-of-state drivers weekly: just call with your Florida case number and home state license info.
| Coverage Type | FR44 Required | FL Standard Minimum | Difference |
|---|---|---|---|
| Bodily Injury — Per Person | $100,000 | $10,000 | 10x |
| Bodily Injury — Per Accident | $300,000 | $20,000 | 15x |
| Property Damage | $50,000 | $10,000 | 5x |
These limits are mandatory and non-negotiable. No carrier can file FR44 at lower limits. Per Florida Statutes § 324.023, the FR44 requirement applies for a minimum of 3 years following license reinstatement after a DUI conviction.
Get Non-Owner FR44 Filed Today — $18–$42/month
Same-day electronic filing with DHSMV. All 67 Florida counties.
We shop 5+ carriers to find your lowest rate. Call (855) 678-6977.