Staybull Insurance specializes in all types of FR44 insurance including Non-Owners.  Non-Owner FR44 policies will fulfill the FR44 requirement for individuals without a vehicle.  If you do not currently own a vehicle you may need an FR44 Non-Owners policy to get your license back.  Non-owner  policies provide coverage if you are driving a vehicle that you do not own and cause bodily injury or property damage to others.  It is important to note that non-owners auto insurance does not provide physical damage coverage (comprehensive and collision) for any vehicle that you may own or operate.  It is also important to note that Non-owners policies do not include personal injury protection (PIP).  In some cases medical payments coverage may be added.  FR44 Non-owners policies are typically inexpensive because they cover a lot less than a normal auto policy.   Many auto insurance companies do not write non-owners policies but we are here to help.  Staybull Insurance has many markets available to help you find FR44 insurance that is affordable for you.

What is Non-Owners Auto Insurance? 

  Non-owners insurance provides coverage while your operating another person’s vehicle.  For example, a non-owners policy would provide coverage for your liability if you took a friend’s vehicle to the store and got into an accident that caused bodily injury or property damage.  The non-owners policy would not provide any physical damage coverage for your friends vehicle because your friend should have insurance on the vehicle.  Most non-owner policies do not provide PIP coverage if you are injured in an accident, but uninsured/under-insured motorist coverage can be added.  The State of Florida may require you to have a non-owners policy if you have gotten a DUI and do not own a vehicle.  The State wants to make sure that if you injure someone while you’re operating a non-owned vehicle you have coverage.  It is important to remember that named non-owner policies do not provide any coverage for any vehicle you own or regularly operate.  If you purchase a vehicle or if you operate a particular vehicle on a regular basis, you should have the FR44 filing on that vehicle.        

Florida FR44 Non-Owners Insurance Highlights  

Electronic Filing  – Your FR44 Filing is electronically submitted to the state within 24 hours.  

FR44 Non-Owners Experience – We have extensive experience with non-owner policies and can provide a quote instantly over the phone.  

Price – Our non-owners policies are usually very affordable.  We can help you choose the right coverage options to get you back on the road.

Statewide Coverage – We have five locations throughout the State of Florida and can provide you with a policy no matter where you live.  You can request a quote, chat with us, and purchase your FR44 insurance from any computer or smartphone.  

 You can also visit our website dedicated to for more information.