Non-Owner FR-44 Insurance: How Does It Differ from FR-44 Auto Insurance?

Non-owner FR-44 insurance serves the same role as owner-operator FR-44 insurance. The difference is that non-owner insurance allows drivers who don’t own a vehicle to reinstate their license. It covers the policyholder when they operate a borrowed car. If you plan to drive any non-owned vehicle after a DUI/DWI license suspension, you’ll need to carry non-owner FR-44 insurance.

Non-owner FR44 insurance is not blanket coverage for any car you drive. Non-owner insurance coverage is specific and limited in scope. It’s for drivers who don’t own a vehicle but may occasionally borrow a car from someone who doesn’t live in the same household. The driver must ensure the borrowed vehicle has insurance coverage. Ensuring that the vehicle’s insurance card and registration are in the glove compartment is also important. It is against the law to operate an uninsured vehicle – even if you have non-owner FR44 insurance. A non-owner FR44 policy only covers bodily injury and property damage to the other party if you cause an accident. Because non-owner insurance does not cover a borrowed vehicle, you cannot get it with comprehensive and collision coverage.

Florida’s minimum liability coverage for non-owner FR-44 insurance is the same as FR-44 auto insurance. However, Virginia’s required FR-44 coverage slightly differs. FR-44 non-owner insurance must have minimum coverage of:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury liability per accident
  • $40,000 in property damage per accident

UltraCar Insurance provides same-day filing for non-owner FR-44 insurance in Virginia and Florida.

Will I Need an Ignition Interlock Device in My Vehicle?

In conjunction with requiring FR-44 insurance, it’s typical for courts to order installation of an ignition interlock device in the vehicle you drive as part of the license reinstatement process.

The ignition interlock’s breathalyzer connects to the ignition of  your car. You must blow into it before starting the engine. If the breathalyzer sample detects any measurable alcohol, the engine will not start.

UltraCar Insurance partners with Intoxalock to make it easy for our customers fulfill their IID requirements. Intoxalock is the industry leader in ignition interlock devices and has over 5,000 locations nationwide.

How Much Does FR-44 Insurance Cost?

It’s important to understand that an FR-44 insurance certificate doesn’t replace your auto insurance. You’ll still need auto insurance to drive. The FR-44 certificate is an endorsement to your auto or non-owner insurance policy. It’s a financial responsibility form that proves you meet your state’s increased minimum liability coverage requirement.

The bad news is that your insurance premiums will significantly increase since the state and insurance providers treat DUI and DWI offenses seriously. You can expect your insurance premiums to rise by 50 to 80 percent when you carry FR-44 insurance.

What is the Minimum Liability Coverage for FR-44 Insurance?

In Florida and Virginia, minimum liability coverage requirements differ between SR-22 and FR-44 insurance.

Virginia, for instance, has twice the minimum liability coverage for FR-44 than SR-22. Virginia FR-44 insurance policies must have minimum liability coverage of:

  • $60,000 bodily injury per person
  • $120,000 bodily injury per accident
  • $40,000 property damage per accident

On the other hand, Florida’s minimum liability coverage for FR-44 insurance is significantly higher. Florida FR-44 policies require minimum coverage of:

  • $100,000 in bodily injury per person
  • $300,000 in bodily injury per accident
  • $50,000 in property damage per accident
  • $20,000 uninsured motorist property damage

UltraCar Insurance will find you the lowest possible rate for your FR-44 insurance requirement.

How Does FR-44 Differ from SR-22 Insurance?

The first thing to know is that FR-44 insurance is only available in two states: Virginia and Florida. An FR-44 filing is specifically for DUI and DWI-related license suspensions. However, for suspensions not related to alcohol or drugs, these two states require SR-22 insurance for license reinstatement. Typical reasons for SR-22 insurance are to reinstate a driver’s license after suspension for:

  • Multiple routine traffic violations
  • Driving without insurance
  • Driving without a valid license

Other states require SR-22 insurance for all license suspensions reasons. Those reasons range from routine violations that add too many points to a driver’s record to DUI/DWI convictions.

What is FR-44 Insurance?

FR-44 is an insurance certificate that’s only available in Florida and Virginia. Virginia was the first state to implement an FR-44 insurance program, and Florida adopted it shortly after.

Like the SR-22, it’s a financial responsibility certificate. However, Florida and Virginia use the FR-44 insurance certificate exclusively for license reinstatement after DUI or DWI convictions. Florida drivers who flee or attempt to elude an officer will also have their license suspended, requiring them to file an FR-44 for reinstatement.