Cheapest Non-Owner Car Insurance in Indiana

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.

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.

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.

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.

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.

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.

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.

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.

Get answers to frequently asked questions about non-owner car insurance in Indiana below.

Indiana drivers without their own vehicle still need liability coverage to maintain continuous insurance history, satisfy SR-22 requirements, or rent cars frequently without paying expensive rental counter rates. We built this research to show you which insurers offer the most affordable non-owner policies that meet Indiana's legal requirements.

We collected rate data from the Indiana Department of Insurance and Quadrant Information Services, examining 240 quotes from five providers that offer non-owner coverage in the state. This focused approach identifies companies actually writing these specialized policies, since many major insurers don't offer non-owner options.

We used a 40-year-old male with a clean driving record and good credit history who drives 12,000 miles annually in a 2012 Toyota Camry LE. While non-owner policies don't cover a specific vehicle, we used this profile to standardize quotes across providers and show what you'll actually pay based on typical driving patterns.

We analyzed minimum coverage policies based on Indiana's requirements: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Non-owner policies provide this liability protection when you're driving someone else's car, a rental vehicle, or a car-sharing service. This coverage pays for injuries and damage you cause to others but doesn't cover the vehicle you're driving or your own injuries.

Non-owner insurance serves a specific need for Indiana drivers who don't own vehicles but still need continuous coverage to avoid gaps in their insurance history, fulfill court-ordered SR-22 requirements, or maintain insurability for future vehicle purchases. Our analysis focuses on the limited number of providers actually offering these policies and shows you the most affordable options for meeting Indiana's legal requirements without paying for coverage you don't need.