Non-Owner SR-22 Suspended
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Non-Owner SR-22 Insurance in Florida

Florida drivers suspended for DUI or license violations who don't own a vehicle need non-owner FR-44 filing—not standard SR-22. FR-44 requires 100/300/50 liability minimums (double the standard SR-22 limits) and costs $60–$110/month depending on violation history. Most non-standard carriers file within 24 hours of payment.

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Updated May 2026

Minimum Coverage Requirements in Florida

Florida is a no-fault state requiring Personal Injury Protection (PIP) and Property Damage Liability (PDL) coverage for all registered vehicles. Drivers with DUI convictions or certain license suspensions must maintain FR-44 filing—a continuous proof-of-insurance certificate that verifies doubled liability minimums. FR-44 is Florida's high-risk equivalent to SR-22, used in most other states. The Florida Department of Highway Safety and Motor Vehicles (FLHSMV) mandates FR-44 specifically for alcohol-related offenses and some repeated violations.

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100/300/50
Non-Owner FR-44 Liability
Non-owner FR-44 requires $100,000 bodily injury per person, $300,000 per accident, and $50,000 property damage—double Florida's standard minimums. This liability-only policy covers you when driving borrowed or rental vehicles with permission. It does not cover any vehicle you own or register. If you buy or acquire a vehicle during the filing period, you must convert to an owner FR-44 policy within 10 days or the carrier will cancel filing, triggering a new suspension.
$10,000
Personal Injury Protection (PIP)
Florida requires $10,000 PIP on all registered vehicles to cover your medical bills regardless of fault. Non-owner policies do not include PIP because they attach to the driver, not a vehicle. If you borrow a vehicle, the owner's PIP applies to you as a permissive driver. When you convert to an owner policy later, PIP becomes mandatory again.
$10,000 standard, $50,000 FR-44
Property Damage Liability (PDL)
Standard Florida policies require $10,000 PDL. FR-44 raises this to $50,000. Non-owner FR-44 meets the higher threshold. PDL pays for damage you cause to another driver's vehicle or property. It does not cover damage to a vehicle you're driving—that requires collision coverage, which non-owner policies exclude because there's no insured vehicle.
State-Mandated Minimum Coverage · Florida

Florida Minimum Coverage

CoverageMinimum
Property Damage$10,000

License Reinstatement Fee$45

Meeting the state minimum keeps you legal. See whether it's enough — get your Florida quote.

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How Much Does Car Insurance Cost in Florida?

Non-owner FR-44 costs 30–50% less than owner FR-44 because there's no vehicle to insure for comprehensive or collision damage. Florida premiums are higher than non-owner SR-22 in other states due to doubled liability minimums. DUI filing adds $40–$70/month over non-DUI suspensions.

What Affects Your Rate

  • DUI convictions increase non-owner FR-44 premiums by 60–80% over non-DUI suspensions in Florida.
  • Miami-Dade and Broward counties average $15–$25/month higher than rural counties due to higher uninsured motorist rates and claim frequency.
  • Drivers under 25 pay 40–50% more for non-owner FR-44 than drivers over 30 with identical violation history.
  • Stacking violations—DUI plus driving while license suspended—can double base rates, pushing non-owner FR-44 premiums above $150/month.
  • Filing lapses trigger immediate FLHSMV notification and restart the 3-year FR-44 clock from the lapse date, not the original suspension date.
  • Progressive, The General, and National General write most Florida non-owner FR-44 policies; availability varies by ZIP code and violation type.
Minimum FR-44 Coverage
$60–$85/mo
100/300/50 liability limits with no additional coverage. Available to drivers with single-incident suspensions and clean records before the filing trigger.
Standard Non-Owner FR-44
$85–$110/mo
125/250/100 liability limits. Most non-standard carriers recommend this tier for drivers with DUI or multiple violations to reduce out-of-pocket exposure if you cause a serious accident while driving a borrowed vehicle.
Enhanced Liability FR-44
$110–$145/mo
250/500/100 liability limits with uninsured motorist coverage. Protects you if the borrowed vehicle's owner carries only minimum coverage and you're hit by an uninsured driver. Adds $25–$35/month.

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Coverage Types

Non-Owner FR-44 Filing

Liability-only policy that satisfies Florida's FR-44 filing requirement without an owned vehicle. The carrier electronically files Form FR-44 with FLHSMV and maintains continuous certification for the required 3-year period.

Broad Form Liability

Named-driver liability coverage that follows you to any vehicle you drive with permission. Covers bodily injury and property damage you cause but excludes damage to the vehicle you're driving.

Uninsured Motorist for Non-Owners

Optional add-on that pays your medical bills and lost wages if you're hit by a driver with no insurance while operating a borrowed vehicle. Florida law estimates 20% of drivers carry no insurance.

Named Non-Owner Policy

Policy issued to a specific individual with no registered vehicles. Covers only the named insured—does not extend to household members or co-drivers.

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Frequently Asked Questions

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