Yes, you can get FR-44 insurance without a vehicle if you purchase a non-owner policy and ask your insurance company to file an FR-44 on your behalf with the state DMV. Florida and Virginia use FR-44 forms to verify that drivers who have been convicted of DUI are carrying enough car insurance coverage. Even if you do not own a car, you must file an FR-44 if your state requires you to do so.
In addition to providing enough liability insurance to meet a state’s FR-44 requirements, a non-owner FR-44 policy may also include any other types of car insurance required in your state, such as personal injury protection (PIP) and uninsured/underinsured motorist coverage. You will not be able to purchase a non-owner policy if you have regular access to a vehicle owned by someone in your household, however.
The cost of non-owner FR-44 insurance varies based on the driver and their state. Since it applies to drivers who are less likely to drive regularly, it generally costs less than regular FR-44 coverage.
You can get car insurance without a license from some small local insurers. To get car insurance without a license you need to exclude yourself as a driver on the policy and list a licensed family member, friend, or caretaker as the primary driver. It’s possible, with some effort, to insure your car so someone else can drive it.… read full answer
How to Get Car Insurance Without a License
1. Contact regional insurance companies or a local independent agent.
Focusing on smaller companies will give you the best chance of finding coverage as an unlicensed driver. Most national companies will not insure you without a license. The risk is too high, in their eyes, that you will drive the car yourself.
2. List yourself as an excluded driver on the policy.
This is a legal statement that, as an unlicensed driver, you are not going to drive the car. Note that if you do drive illegally and get into an accident, the insurance company will not cover any claims. If you get or regain your license while the car is insured, you must notify your insurance company and provide your new license number before you are legally insured on the policy.
3. List the person who will operate the vehicle the most as the primary driver on the policy.
This can be a spouse, family member, roommate, caretaker or friend. They may live with you or not. They must, of course, have a valid driver’s license.
4. List the primary driver on your registration as part-owner.
Try this step if you can’t find any company that will insure the car for you without a license. There should be no trouble insuring the car with a licensed driver listed as co-owner.
Why You Might Need Car Insurance Without a License
Your license is suspended and you need to file an SR-22 or FR-44 to reinstate it
You only have a learner’s permit
You are insuring a collectible vehicle that you won’t drive
You own a car that is driven by a caregiver or chauffeur
You need to co-sign a policy for an underage driver
If no one is going to drive the car, but you want to protect it against accidental damage while it’s stored, you have the option of purchasing comprehensive-only or parked-car coverage. You will have to cancel your registration and turn in your plates to do this, but it is cheaper than buying a policy that also offers liability coverage. This type of insurance is offered by many national firms such as Allstate and State Farm.
An FR-44 form is a document of financial responsibility that is required in Florida and Virginia to verify that drivers convicted of a DUI have sufficient car insurance coverage. FR-44s require drivers to have additional coverage beyond the minimum amount required by state law, unlike SR-22 forms.
Drivers are often required to file an FR-44 in order to reinstate a suspended license after a DUI. To get an FR-44, you need to contact your car insurance company and ask them to file one with the state on your behalf. If you don’t already have enough coverage to meet the state’s FR-44 requirements, then you will need to purchase additional insurance.
Cost of an FR-44
You should expect your insurance company to charge an FR-44 filing fee between $15 and $25. Since an FR-44 classifies you as high-risk and means that you have to purchase additional coverage, it will raise your rate by an average of 66%. But the good news is that an FR-44 only lasts for three years. Once you no longer need an FR-44, your premium will start to decrease if you practice good driving habits and maintain continuous coverage.
The differences between SR-22 and FR-44 are the amount of coverage they require, which states use them, and when they’re used. SR-22s are used in almost every state and only require the minimum amount of liability insurance, while FR-44s are only used in Florida and Virginia, and require drivers to carry extra liability insurance. Nevertheless, SR-22s and FR-44s are both state-issued forms verifying that a high-risk driver is carrying a certain amount of insurance coverage.… read full answer
SR-22 vs. FR-44
States Where It’s Used
All but DE, KY, MN, NM, NY, NC, OK, and PA
Florida and Virginia
DUI, lapse in insurance coverage, driving without a license, excessive tickets, etc.
DUI and driving with a suspended license
Liability Insurance Requirement
State-mandated minimum liability insurance
Virginia: Double the state minimum coverage requirements
Florida: $100k for bodily injury per person ($300k per accident) and $50k for property damage
On average, an SR-22 or FR-44 will raise your insurance rates by about 70%. In some states, however, it could double or triple your premium. That’s because both forms indicate that you’re a high-risk driver, meaning you’re more likely to file a claim in the future. In addition, if you need to file an FR-44, the extra coverage that you will have to purchase will contribute to the increased cost.
The good news is that SR-22s and FR-44s are only required for a few years, and if you practice good driving habits during that time as well as maintain continuous coverage, your rates will eventually go back down. But no matter what, you need to be insured in order to fulfill the requirements for both forms. Once your filing period has ended, you can inform your insurer and they will remove the SR-22 or FR-44 from your policy.
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