Auto-Owners offers Indiana's cheapest non-owner car insurance for drivers with clean records at just $13 monthly, well below the state average of $28. For more affordable options, see the comparison table below.
Cheapest Non-Owner Car Insurance in Indiana
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Indiana: Key Takeaways
Auto-Owners offers the cheapest SR-22 non-owner car insurance for those with a driving incident in Indiana, with an average monthly cost of $18.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you frequently borrow cars, rent vehicles or need to reinstate your license and can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Indiana
| Auto-Owners | $159 | $13 |
| State Farm | $270 | $22 |
| GEICO | $302 | $25 |
| Progressive | $347 | $29 |
| Travelers | $375 | $31 |
| Farmers | $428 | $36 |
| Nationwide | $512 | $43 |
| Allied | $512 | $43 |
Cheapest Non-Owner SR-22 Car Insurance in Indiana
Auto-Owners provides Indiana's most affordable SR-22 non-owner policy at just $18 per month, much lower than the state average of $43 for minimum coverage. The table below compares other low-cost SR-22 providers.
| Auto-Owners | $214 | $18 |
| State Farm | $382 | $32 |
| Travelers | $496 | $41 |
| GEICO | $521 | $43 |
| Progressive | $614 | $51 |
| Nationwide | $635 | $53 |
| Allied | $635 | $53 |
| Farmers | $673 | $56 |
How Much Is Non-Owner Car Insurance in Indiana?
Indiana drivers pay an average car insurance cost of $28 for a non-owner policy, less than the national average of $43. For SR-22 coverage, residents typically see rates around $43, under the national average of $48. Your rate may vary based on your driving history and other factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Indiana Average Cost
Monthly Premium
$28Non-owner car insurance in Indiana is cheap:$15 saved
This is 35% less expensive.
Indiana Non-Owner Car Insurance: Buyer's Guide
We created a guide to help drivers understand non-owner car insurance and decide if it suits their needs. It covers key details like costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance is for you if you often drive but don't own a car. It protects you from big bills if you're at fault in a crash. Check out our comparison below to see how it compares to standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Indiana Allow Non-Owner Car Insurance?
Indiana permits non-owner insurance for those who don't own a car but drive occasionally. If you need to file an SR-22, you can include it in your non-owner policy for legal compliance.
INDIANA MINIMUM INSURANCE REQUIREMENTS
Indiana's minimum coverage requirements are the same for non-owner car insurance. The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Sometimes, the state minimum might not provide full financial protection. Consider how much coverage you need before purchasing a policy to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in Indiana?
Non-owner car insurance is a good option if you regularly drive cars you don’t own. It provides affordable minimum coverage, offering peace of mind while driving. It’s especially useful for those who often rent or borrow vehicles.
AVOID ONE-DAY CAR INSURANCE
Beware of "one-day insurance" offers in Indiana, as they aren't legitimate products and may signal fraud. For short-term needs like moving or road trips, consider buying temporary coverage from car rental companies for a safer option.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner car insurance covers damage or injuries drivers may cause while driving a borrowed vehicle without relying on the owner's policy.
Occasional renters
Non-owner insurance is an affordable alternative to rental company policies, offering financial protection when renting vehicles.
Drivers between cars
Drivers without a car can maintain continuous insurance coverage with a non-owner policy, which may prevent future premium increases due to a lapse in coverage.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may need proof of insurance; a non-owner policy can fulfill this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurer files with the DMV to confirm you meet the state's minimum coverage requirements. Often needed after a DUI or driving without insurance, this certificate proves you’re complying with the law and ready to drive again.
Cheap Non-Owner Car Insurance in Indiana: Bottom Line
Indiana drivers can get non-owner car insurance, even with SR-22 requirements. Auto-Owners offers the most affordable rates, followed by State Farm and GEICO. Comparing quotes from multiple providers can help you find the best deal.
Non-Owner Car Insurance in Indiana: FAQ
Get answers to frequently asked questions about non-owner car insurance in Indiana below.
Which company offers the cheapest non-owner car insurance in Indiana?
Auto-Owners offers Indiana's most affordable non-owner car insurance at only $13 monthly. It also provides the cheapest SR-22 rate at $18.
How much does non-owners car insurance cost in Indiana?
In Indiana, non-owner car insurance costs about $341 per year or $28 a month. If you need SR-22 certification due to a poor driving record, the cost rises to around $521 annually or $43 per month.
Indiana Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Indiana auto insurance rates by collecting data from the Indiana Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Indiana using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Indiana
To find the best and most affordable companies for non-owner car insurance in Indiana, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.