When you want to reinstate your license after a DUI conviction and don’t own a vehicle, you’ll need a Florida non owner FR44 certificate. UltraCar Insurance helps you restore your driving privileges by filing your document with the Florida HSMV.
What to know before getting Florida non owner FR44 insurance
If you drive after drinking alcohol or taking a prescription or illegal drug, you have a much higher chance of causing an accident. Impaired driving doesn’t just affect you; it puts others at risk of harm or even death. For these reasons, Florida DUI penalties are quite severe.
With a first drunk driving offense, there is an automatic license suspension of 180 days to a year. If you’re at fault in an accident that caused injury to someone, the revocation period is closer to one year. During your mandatory license suspension period, you can request an administrative hearing to apply for a hardship (restricted) license. A hardship license will allow you to drive from home to work and back.
The state assigns a specific case number to each substance-related conviction. DUI case numbers have a total of nine digits, starting with the number 4, indicating you have to file an FR44 certificate.
Florida Non Owner FR44 Costs
Driving under the influence is not only dangerous; it’s personally and financially costly – even when you don’t own a vehicle.
Because of the seriousness of impaired driving, the coverage and premiums for FR44 insurance are much higher. The minimum liability requirements for Florida non owner FR44 policies increase from 10/20/10 to 100/300/50. FR44 insurance must provide:
- $100,000 bodily injury coverage per person
- $300,000 bodily injury coverage per accident
- $50,000 property damage coverage
In addition to paying for Florida DUI insurance a minimum of 3 years, there are other fines and fees you’ll have to pay.
- DUI penalties and fines vary depending on your blood alcohol content (BAC) at the time of your arrest.
- The higher the recorded BAC level, the more the penalties and fines increase.
- The reinstatement fee is usually between $150 to $500.
- Florida non owner FR44 policies have a six-month term. The first six-month premium is payable in full upfront. Some insurance companies may allow you to pay monthly after the initial six months, or at renewal. You can still pay six months in full; however, monthly premiums may be easier on your budget.
The Florida HSMV website has more details about DUI & IID fines, fees, and FAQs.
What happens if I buy a car?
If you start with non-owner FR44 insurance (no car) and later purchase a vehicle, you’ll have to switch to an owner-operator policy. You can’t keep your original Florida non owner FR44 policy and get a separate auto insurance policy for the vehicle. The car insurance and the FR44 certificate must be tied together.
As soon as you switch to an owner-operator policy, you’ll have to pay the difference between the new premium and the non-owner FR44 premium. With this change, your insurance rate will significantly increase. Therefore, you need to make sure you can afford this increase before you buy a vehicle.
UltraCar Insurance will find the best possible FR44 rate and file your certificate electronically with Florida HSMV. The process takes as little as 20 minutes. Talk to one of our licensed agents today for a no-obligation Florida non owner FR44 insurance quote.
NOTE: If you don’t own a vehicle and have a non-DUI license suspension, visit our Florida Non Owner SR22 Insurance page.
This article was last updated on May 14th, 2020 by UltraCar Insurance