Non-Owner SR-22 Insurance in Florida
Florida uses two forms. An SR-22 is required for non-DUI suspensions, and an FR-44 is required after a DUI. Both can be filed on a non-owner policy, which is often the most affordable option for Floridians who do not own a car.
Who needs a non-owner SR-22 or FR-44 in Florida?
Florida drivers are commonly ordered to file an SR-22 or FR-44 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the Florida HSMV.
How to get a non-owner SR-22 or FR-44 in Florida
- Confirm the requirement. Check your suspension notice or court paperwork, or call the Florida HSMV, to confirm that you need an SR-22 or FR-44, how long you need it, and any reinstatement fees.
- Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
- Buy the policy and pay the filing fee. The insurer files the SR-22 or FR-44 with Florida electronically, usually within one business day.
- Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.
Florida details to know
Florida does not normally require bodily injury liability from car owners, but SR-22 filers must carry 10/20/10 bodily injury and property damage limits. After a DUI, the FR-44 requires 100/300/50 limits for 3 years, and the policy is often paid in full for the first term. Read our non-owner FR-44 guide for details.
Florida non-owner SR-22 FAQ
Do I need an SR-22 or an FR-44 in Florida?
A DUI-related suspension requires an FR-44. Most other suspensions, such as those for points or an uninsured crash, require an SR-22.
Do I need PIP on a Florida non-owner SR-22?
Requirements vary by carrier. Many Florida non-owner policies provide bodily injury and property damage liability without PIP, so ask your agent what your filing requires.
Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the Florida HSMV or your court before you buy a policy.