Non-Owner Car Insurance in Indiana

Non-owner insurance is one of the more affordable types of car insurance since it includes only liability coverage for property damage or injuries you cause to others. This liability-only approach meets Indiana's minimum insurance requirements but excludes comprehensive and collision protection for your own vehicle. Traditional car insurance costs more because it offers higher liability limits plus coverage that protects your car from damage.

The six insurers in our comparison average $44 monthly for non-owner car insurance, which is below Indiana's state average of $54 per month or $643 annually. This shows there's potential for savings when you shop around, though actual rates vary based on market data and individual factors.

Several factors affect non-owner car insurance rates in Indiana, though your personal characteristics and choices matter more than state laws.

• Driver age and experience: Seniors get the best rates at $29 monthly, while adults pay more at $51 per month. Young drivers fall in between at $33 monthly, showing age isn't always the biggest factor.
• Driving history: Your record directly impacts what you'll pay. Drivers with a DUI see rates jump to $52 per month, while those with an accident pay $41 monthly compared to much lower rates for clean records.
• Choice of insurer: Shopping around makes a real difference in Indiana. GEICO offers the most affordable option at $39 per month, while Progressive charges $50 monthly for similar coverage.
• Coverage limits: Boosting your liability limits from state minimums increases costs from $54 to $64 per month. That's just $10 more monthly for better protection.

If you regularly borrow cars from friends or rent vehicles but don't own one yourself, non-owner car insurance might be what you need. This coverage also helps people who must file an SR-22 to reinstate their license or want to maintain continuous insurance coverage between owned vehicles. Non-owner policies provide liability coverage for drivers without vehicles, meeting Indiana's minimum liability requirements of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.

When you borrow someone's car, your non-owner policy provides liability coverage for accidents you cause, protecting you if you injure others or damage their property. But it won't cover damage to the vehicle you're driving. When renting a car, the policy covers liability but may not include rental-specific protections like collision or comprehensive coverage for the rental vehicle itself.

Non-owner car insurance meets Indiana's financial responsibility requirements and works for drivers needing SR-22 filings. The state legally recognizes it as legitimate liability coverage for people without personal vehicles. You'll find it challenging to locate since non-owner policies are less common among insurers, but it's completely legal in Indiana.

Finding coverage requires extra effort since insurers don't offer online quotes for non-owner policies. You'll need to call insurance companies directly or work with an agent to get coverage. MoneyGeek found average rates and phone numbers for insurers who offer policies in Indiana.

Non-owner insurance makes sense for regular drivers who don't own vehicles. It's useful when you frequently borrow or rent cars, want continuous coverage, or need license reinstatement.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage, so a non-owner policy saves money if you rent often. You'll get consistent protection across all rentals without buying coverage each time.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, non-owner insurance protects their rates. The car owner's insurance covers accidents you cause, but their premiums increase. Your non-owner policy pays claims first, keeping their rates stable.
• License reinstatement: Indiana requires proof of insurance to reinstate suspended licenses. A non-owner policy meets this requirement even when you don't own a car.
• Maintaining continuous coverage: Coverage gaps raise future premiums when you eventually buy a car. Non-owner insurance prevents these rate increases by keeping your insurance history clean.

A non-owner policy isn't appropriate for those who:

• Own a vehicle and need standard coverage
• Drive infrequently or just a few times yearly
• Live in households with existing vehicle policies
• Only need coverage for a single trip

Indiana drivers often ask these questions about non-owner car insurance:

MoneyGeek obtained Indiana auto insurance rates from the Indiana Department of Insurance and Quadrant Information Services. We reviewed 240 car insurance quotes from six providers and determined the state's most affordable and best options.

Coverage Levels

We evaluated non-owner car insurance rates from companies in Indiana at minimum coverage levels. Indiana's minimum coverage consists of:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• UM: $25,000/$50,000 

Drivers and Cars in Indiana

We used a standardized driver profile having these characteristics to identify the most affordable and best companies for non-owner car insurance in Indiana:

• 40-year-old male
• Clean driving record
• Good credit history

Learn more about MoneyGeek's car insurance methodology.