Non-Owner FR44 Insurance for Florida & Virginia | UltraCar Insurance

Non-Owner FR-44 is high-risk auto insurance coverage in Florida and Virginia. These two states require drivers who don’t own a vehicle to attach an FR-44 form to a non-owner insurance policy after a DUI/DWI license suspension. A licensed insurance provider files the form with the state as a guarantee of financial responsibility. The filing proves you have the necessary insurance coverage to reinstate your driving privileges and can pay claims if you cause a traffic accident.

Unlike a traditional auto insurance policy that covers a named vehicle(s), non-owner FR-44 insurance covers a named individual when they operate a vehicle they do not own. Non-owner policies include the minimum required liability coverage in Florida or Virginia.

The difference between FR-44 non-owner and owner insurance is related to vehicle ownership and coverage. A non-owner FR-44 filing is for people who don’t own a car but need to meet the state’s FR-44 requirement. On the other hand, FR-44 owner insurance is for individuals who own a vehicle.

Owner/owner-operator insurance provides liability coverage for an individual’s owned vehicles, as well as any other vehicles they may drive.

FR-44 non-owner policies provide secondary liability coverage on the policyholder when they borrow a car to drive, such as from a friend or relative. It covers accident claims if the vehicle owner’s insurance coverage falls short of the required amount.

One of the primary limitations of non-owner FR-44 insurance is that it does not provide the same level of coverage as a traditional auto insurance policy. Non-owner insurance coverage gives liability-only coverage to the policyholder. There is no collision or comprehensive coverage with this type of policy because it does not insure a car.

You cannot use a non-owner FR-44 insurance policy to drive rental or commercial vehicles, or cars owned by others in your household.

Another limitation of non-owner FR-44 insurance is that it may cost more than traditional auto insurance policies. Drivers with serious traffic violations, such as DUI, must maintain FR-44 insurance for a specified period.

If you move out of Florida or Virginia while your FR-44 requirement is still active, you must continue maintaining the required coverage until the filing period ends. Canceling your policy or allowing it to lapse can result in a license suspension and additional penalties.

Before moving, contact your insurance provider to discuss cross-state filing options. Not all insurance companies can handle out-of-state FR-44 requirements, so it is important to make arrangements before canceling or replacing your policy.

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.

For suspensions not related to alcohol or drugs, these two states require SR-22 insurance for license reinstatement.

One difference is the amount of required liability coverage for each policy. FR-44 insurance requires higher liability coverage than SR-22 insurance.

Another difference between FR-44 and SR-22 insurance is the reason for each filing. Virginia and Florida require FR-44 insurance for more serious offenses, such as DUI or DWI convictions. SR-22 insurance is a requirement for certain violations, such as driving without insurance or excessive traffic violations.

Florida and Virginia require a high-risk auto insurance filing called FR-44 insurance for people convicted of serious traffic offenses, such as driving under the influence (DUI) or driving while intoxicated (DWI). The FR-44 certificate is tied to the driver’s auto or non-owner insurance policy, and they must maintain this insurance for a specific time. Filing the certificate with the state is how the driver guarantees financial responsibility if they’re at fault in a car accident.

Florida FR-44 minimum coverage requirements are:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage per accident

Virginia FR-44 policies must have minimum liability coverage of:

• $100,000 bodily injury per person
• $200,000 bodily injury per accident
• $50,000 property damage per accident

Required uninsured/underinsured motorist coverage
Remember, these are the minimum liability coverage requirements for FR-44 insurance. Policyholders may purchase higher coverage limits if desired. Depending on the situation, the state may also require additional coverage.

It’s important to understand that a Florida FR-44 or Virginia FR-44 certificate doesn’t replace your auto insurance. You still need to maintain auto insurance to drive. The FR-44 certificate is an endorsement to an auto or non-owner insurance policy and proves you maintain the state’s required liability coverage.
Due to the serious nature of alcohol and drug-related driving offenses, FR-44 insurance generally costs significantly more than standard auto insurance. Drivers can often expect higher premiums because insurance companies classify DUI and DWI offenders as high-risk drivers.
The cost of FR-44 insurance varies based on factors such as:

• Driving history
• Age
• State requirements
• Vehicle ownership status
• Coverage limits
• Location

Drivers who need a non-owner FR-44 policy may have different rates than drivers insuring a vehicle. Comparing quotes from multiple high-risk insurance providers can help you find the most affordable option while meeting Florida or Virginia FR-44 requirements.