Non-Owner SR-22 Suspended
Get a Quote
A long low bridge on concrete piers stretches over turquoise water toward the horizon, with palm fronds framing the right side and cumulus clouds in a blue sky.

Non-Owner SR-22 Insurance in Florida

Florida requires $10,000 in property damage liability and personal injury protection (PIP) and is a no-fault state.

Get My Non-Owner SR-22 Quote

Florida at a Glance

$10,000

Minimum property damage liability

No-fault

Each driver's own policy pays their injuries first, whoever caused the crash

Required

PIP coverage must be on every policy

$45

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 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.

Non-Owner FR-44 Liability

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.

Personal Injury Protection (PIP)

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.

Property Damage Liability (PDL)

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.

What Drivers Pay in Florida

$306–$521/mo

Typical monthly rate in Florida, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • 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.
A woman in a beige sweater, dark skinny jeans, and tan ankle boots carries a tan shoulder bag while walking across a wet parking lot at night, with a dark SUV, lit trees, and a building in the background.

Cover Your Filing Before You Own a Car Again

Get My Non-Owner SR-22 Quote

If your license is suspended

Hardship license (Business Purposes Only or Employment Purposes Only)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

Can I drive someone else's car with non-owner FR-44 insurance in Florida?

Yes. Non-owner FR-44 provides liability coverage when you drive a vehicle you don't own with the owner's permission. The vehicle owner's insurance is primary—your non-owner policy is secondary and covers liability above the owner's limits. You are not covered when driving a vehicle you own or register, even temporarily.

How long does it take to file FR-44 with FLHSMV?

Most non-standard carriers file FR-44 electronically within 24 hours of policy payment. FLHSMV processes the filing within 2–3 business days. You cannot reinstate your license until FLHSMV confirms receipt. Paper filings take 7–10 business days and are rarely used. Carriers send you a copy of the filed FR-44 certificate, but FLHSMV confirmation is the controlling document.

What happens if I buy a car during my FR-44 filing period in Florida?

You must convert your non-owner FR-44 to an owner policy within 10 days of registering the vehicle or FLHSMV will suspend your license again. Contact your carrier immediately—they will cancel the non-owner policy and issue an owner policy with FR-44 filing attached. The 3-year filing clock does not reset if you convert without a lapse. If you let the non-owner policy cancel before converting, the filing lapses and your suspension period restarts from the lapse date.

Which insurance companies write non-owner FR-44 in Florida?

Progressive, The General, National General, and Dairyland write most Florida non-owner FR-44 policies. Availability varies by county and violation type—Miami-Dade and Broward have the most carrier options. State Farm and GEICO do not write non-owner FR-44. Expect quotes from 2–4 carriers in urban areas, 1–2 in rural counties.

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.

Find Your City in Florida

Jacksonville

urban

Miami

urban

Tampa

urban

Orlando

urban

St. Petersburg

urban

Hialeah

urban

Port St. Lucie

suburban

Tallahassee

urban

Cape Coral

suburban

Fort Lauderdale

urban

Pembroke Pines

suburban

Clearwater

suburban