Non-Owner FR-44 Insurance
Florida and Virginia use the FR-44 instead of the SR-22 for DUI-related offenses. It works the same way, but it requires much higher liability limits. You can get an FR-44 on a non-owner policy if you do not own a car.
FR-44 vs. SR-22
| SR-22 | FR-44 | |
|---|---|---|
| Used for | Lapses, suspensions, points, some DUIs in other states | DUI-related offenses in Florida and Virginia |
| Liability limits | The state minimum | Much higher than the minimum |
| Florida limits | 10/20/10 | 100/300/50 |
| Virginia limits | 50/100/25 | 100/200/50 (double the minimum) |
| Typical period | 3 years | 3 years |
Florida non-owner FR-44
Florida requires an FR-44 after a DUI conviction. Drivers without a car can meet it with a non-owner policy that carries 100/300/50 limits. In Florida, the policy often has to be paid in full for the first term. See our Florida non-owner SR-22 guide for non-DUI cases.
Virginia non-owner FR-44
Virginia requires an FR-44 after certain alcohol-related convictions. The limits are double the state minimum. Because Virginia raised its minimum to 50/100/25 in 2025, the FR-44 requirement is now 100/200/50. See our Virginia guide.
FR-44 cost
Because the limits are high and the driver has a DUI, non-owner FR-44 policies usually cost more than non-owner SR-22 policies, often $700 to $1,500 a year or more. That is still typically far less than an owner's FR-44 policy.
FR-44 FAQ
Can I get an FR-44 without owning a car?
Yes. Several carriers write non-owner FR-44 policies in Florida and Virginia.
What happens if my FR-44 lapses?
The insurer notifies the state, and your license is suspended again. You may also have to restart the FR-44 period.