Non-owner FR-44
insurance in Virginia.
No car but need FR-44 after a DUI? Non-owner FR-44 reinstates your license for less, and we file it with the Virginia DMV the same day.
- Most affordable FR-44 option
- Same-day DMV filing
- No vehicle required
Takes about a minute.
Drivers reinstated
Average rating
DMV filing
Carriers compared
What non-owner FR-44 is
A non-owner FR-44 is the certificate Virginia requires after a DUI or DWI, written for drivers who do not own a vehicle. It covers your liability when you borrow or rent a car, and it satisfies the DMV the same way an owner policy does, usually for less.
If you do not own a car right now, this is almost always the cheapest way to reinstate your license and keep your FR-44 active. When you buy a vehicle later, we move you to an owner policy.
Owner or non-owner? Pick what fits
Both satisfy the Virginia DMV. The right one depends on whether you drive your own car.
Non-owner FR-44
For drivers without a vehicle. The most affordable way to meet the FR-44 requirement.
- Our lowest-cost FR-44 option
- Covers you in borrowed or rented cars
- Same-day DMV filing
- No vehicle required
Owner FR-44
Own a car? You will need a standard auto policy plus the FR-44 certificate.
- Full auto coverage plus FR-44
- Optional comprehensive & collision
- Same-day DMV filing
- Flexible payment plans
What affects your non-owner FR-44 price
Even without a vehicle, a few things move your rate. We shop carriers so you see the lowest.
Your record
The DUI or DWI plus the rest of your driving history.
Required limits
FR-44 requires higher liability limits than a standard policy.
Where you live
Location factors into every Virginia auto quote.
The carrier
Not every company writes non-owner FR-44. We know the ones that do.
Virginia FR-44 liability limits: FR-44 requires higher liability limits than a standard policy. Exact figures are being confirmed with the Virginia DMV and will be published here once verified. Ask us and we will quote you the current required limits.
How getting covered works
Three steps, often done the same day. We keep the paperwork off your plate.
1. Request a quote
Fill out the short form or call us. We only need a few basics to start, and there is no obligation.
2. Choose & purchase
Pick the coverage that fits your budget. Flexible monthly payment plans are available.
3. Same-day filing
We file your certificate with the Virginia DMV the same day and send your proof of insurance right away.
We handle the FR-44 filing for you
Once you are covered, your proof of insurance goes to the Virginia DMV the same day, and we keep the non-owner FR-44 active for the full required period. If you buy a car before your term ends, we move your filing to an owner policy with no gap.
- Same-day electronic filing with the Virginia DMV
- We track your filing so it never lapses
- Switch to an owner policy any time
- No judgment, ever, just a fair price
Non-owner FR-44 guides
Straight answers to the questions we hear most.
What is FR-44 insurance?
The plain-English version, and how it differs from a normal policy.
Non-owner FR-44: the cheapest way to comply
Why it usually costs less than an owner policy.
Top Virginia metros
Our most-requested cities for non-owner FR-44.
Virginia Beach
Non-owner FR-44 in Virginia Beach
Norfolk
Non-owner FR-44 in Norfolk
Richmond
Non-owner FR-44 in Richmond
Newport News
Non-owner FR-44 in Newport News
Alexandria
Non-owner FR-44 in Alexandria
Roanoke
Non-owner FR-44 in Roanoke
Lynchburg
Non-owner FR-44 in Lynchburg
Charlottesville
Non-owner FR-44 in Charlottesville
Non-owner FR-44 across Virginia
Find your city. Same DMV process statewide, handled by a local Virginia agency.
Northern Virginia
Hampton Roads
Central Virginia
Frequently asked questions
Can I get FR-44 in Virginia without owning a car?
Yes. A non-owner FR-44 covers you as a driver when you borrow or rent a car and satisfies the Virginia DMV the same way an owner policy does. It is usually the most affordable way to reinstate your license.
Is non-owner FR-44 cheaper than owner FR-44?
In most cases, yes. Because there is no vehicle to insure, a non-owner policy typically costs less while still meeting the FR-44 requirement. We will quote both so you can compare.
Does non-owner FR-44 cover any car I drive?
It provides liability coverage when you drive a car you do not own, such as a borrowed or rented vehicle. It does not cover a car owned by you or a household member. Ask us about your exact situation.
How long do I need non-owner FR-44?
The same period as any FR-44 in Virginia, typically three years of continuous coverage with no lapse. Confirm your exact requirement with the Virginia DMV.
What if I buy a car while on non-owner FR-44?
Tell us and we move you to an owner policy with the FR-44 attached, with no lapse in your filing so your reinstatement stays on track.
Written by FR44 Insurance of Virginia
Reviewed by a licensed Virginia insurance agent. Last reviewed June 2026. Meet our team.
Get your non-owner FR-44 quote
No car, no problem. Same-day DMV filing and the most affordable way to reinstate your license in Virginia.