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: In Virginia, an FR-44 requires liability limits of $100,000 for bodily injury or death per person, $200,000 for bodily injury or death per accident, and $50,000 for property damage per accident (100/200/50). We make sure your policy meets these limits before we file.
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 Evan Marcotte, a licensed Virginia insurance agent (License #1023265). 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.