Do I need owner FR44 or non-owner FR44?
Direct Answer
If you own or lease a vehicle, you need owner FR44. If you don’t own any vehicle, non-owner FR44 satisfies the requirement at a lower cost. If you have regular access to a household member’s vehicle, you likely need an owner policy even if the vehicle isn’t in your name.
Quick Decision Guide
- You own or lease a vehicle → Owner FR44
- You don’t own any vehicle and don’t have regular access to one → Non-owner FR44
- You don’t own a vehicle but regularly drive a household member’s car → Likely owner FR44 (check with your carrier)
- You sold your car and rely on rides/transit → Non-owner FR44
Cost Difference
Non-owner FR44 is significantly less expensive because it doesn’t cover a specific vehicle. If you genuinely don’t own or have regular access to a vehicle, non-owner is the most affordable path to license reinstatement.
Not sure which applies? Call (855) 678-6977 — we’ll help you determine the right policy type based on your situation.
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