Non-Owner SR-22 & FR-44 Insurance: Why You Might Need It and How It Works
If you’ve been told you need an SR-22 or FR-44 filing but don’t own a car, you’re not alone. This situation is more common than most people realize. A non-owner policy lets you meet your state’s requirements, get your license back, and drive legally — all without insuring a car you don’t have. Below, we explain when these filings are required, how they work, and why Foxx Insurance makes the process simple and affordable.
Why You Might Need a Non-Owner SR-22 or FR-44
Even if you don’t own a vehicle, certain situations require proof of financial responsibility before you can drive legally again. These filings are commonly required if you’ve:
- Had your license suspended or revoked
- Been convicted of DUI or DWI
- Been cited for driving without insurance
- Need to reinstate your license but don’t currently own a car
FR-44 filings, required only in Florida and Virginia, typically follow DUI convictions and require much higher liability coverage than SR-22 filings. That means costs are higher, but the policy still fulfills the same purpose: proving you’re insured.
How Non-Owner SR-22 & FR-44 Insurance Works
Non-owner policies don’t insure a vehicle — they insure you as a driver. Here’s what’s included:
- Liability coverage for injuries or damage you cause while driving a car you don’t own
- Applies when borrowing cars, renting vehicles, or driving a company car
- Satisfies state filing requirements without the cost of full coverage
However, non-owner filings generally don’t include:
- Comprehensive or collision coverage
- Coverage for household-owned vehicles
- Coverage for cars you drive regularly
SR-22 vs FR-44 Non-Owner Filings
SR-22 and FR-44 filings are similar, but FR-44 policies require higher coverage limits and are only used in Florida and Virginia.
| Feature | Non-Owner SR-22 | Non-Owner FR-44 |
|---|---|---|
| States Required | Available in multiple states | Florida & Virginia only |
| Coverage Limits | State minimum liability | Higher liability, often double the SR-22 minimums |
| Typical Use | Reinstating license, driving rentals, borrowing cars | Primarily DUI or DWI-related reinstatements |
| Cost | Lower average premiums | Higher due to increased coverage requirements |
How Long You’ll Need Non-Owner Coverage
In most states, non-owner SR-22 and FR-44 filings are required for about three years. In Florida and Virginia, FR-44 filings may last up to four years, depending on the violation.
Important: If your coverage lapses, the clock usually resets, and you’ll have to start your filing period over.
How Foxx Insurance Makes It Easy
At Foxx Insurance, we specialize in non-owner SR-22 and FR-44 filings across eight states, including Florida and Virginia. We’ll help you:
- Get same-day filings so you can drive legally again
- Compare multiple carriers for the lowest rates
- Work with a veteran-owned agency that understands your situation
Get My Free Non-Owner SR-22 / FR-44 Quote
Frequently Asked Questions
Do I need non-owner SR-22 or FR-44 insurance if I don’t own a car?
Yes — if the state requires a filing, you’ll need a non-owner policy to drive legally again.
Does this cover rental cars?
Yes, non-owner filings generally provide liability coverage when you drive rented or borrowed cars.
Can I switch to a regular SR-22 or FR-44 later?
Absolutely. If you buy a car, we’ll convert your non-owner filing to a standard policy without restarting the timeline.