Can I get FR44 insurance without owning a vehicle?
Yes. A non-owner FR44 policy fulfills Florida's enhanced liability requirements without requiring vehicle ownership. This is one of the most common policies we write — many drivers don't own a vehicle when they need to reinstate their license after a DUI.
How Non-Owner FR44 Works
A non-owner FR44 policy provides the high liability coverage limits Florida requires after a DUI ($100,000/$300,000/$50,000) without insuring a specific vehicle. It covers you when you drive vehicles you don't own.
Why It's So Common
Many drivers going through the FR44 process don't currently own a vehicle — they may have sold it, had it repossessed, or simply never owned one. A non-owner policy lets them reinstate their license, complete their 3-year filing requirement, and get back to legal driving status even without vehicle ownership.
Cost Advantage
Non-owner FR44 policies are generally the most affordable FR44 option because they don't cover a specific vehicle. This makes them an accessible path for drivers focused on getting their license reinstated.
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