Non-Owner Car Insurance in Indiana: The Cheapest Options and What You Need to Know

The average non-owner auto insurance policy in Indiana costs $313 per year. GEICO, the least expensive insurer, charges an average of $204 per year. If you want the best and cheapest non-owner car insurance in Indiana, MoneyGeek’s guide can help you compare providers and learn what coverage is best to meet your needs.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 8/15/2022

Non-owner auto insurance is ideal for people who do not own a car but frequently use car-sharing services or rental cars. It’s also great for drivers who need proof of insurance to reinstate their license. This type of insurance offers liability coverage and may cover third-party injuries as well as property damage.

On average, non-owner car insurance in Indiana costs $313 annually for individuals with a clean driving record and $462 for those with a major driving violation, such as a DUI.

MoneyGeek analyzed the different non-owner auto insurance providers in Indiana and their rates to explain when to get this type of coverage.

tip icon

Cheapest Non-Owner Car Insurance Companies in Indiana

Although non-owner car insurance policies in Indiana are less expensive than normal auto insurance, you can still save money by comparing prices from different providers.

On average, MoneyGeek found that the following two companies offer the cheapest non-owner car insurance in Indiana:

  • GEICO: $204 per year
  • State Farm: $290 per year

Meanwhile, Farmers offers the state's most expensive coverage at an average of $397 per year.

For this study, the average rates are for a 40-year-old driver from Indiana purchasing a policy with limits outlined in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Indiana

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $204
    $17
  • State Farm
    $290
    $24
  • Progressive
    $361
    $30
  • Farmers
    $397
    $33
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

How Much Is Non-Owner Car Insurance in Indiana?

0
0

Indiana's annual non-owner car insurance costs roughly $313, while a standard car insurance policy costs around $442. This difference of $129 can vary based on various factors.

Those with a DUI on their record typically pay around $462 for a non-owner auto insurance policy. Standard auto insurance for a driver with a DUI costs around $653 per year or $191 more than non-owner insurance with a DUI.

Cheapest SR-22 Non-Owner Car Insurance Companies in Indiana

An SR-22 is not insurance. It is a document that verifies you have met the state's minimum liability insurance requirements and is required in Indiana if you want to reinstate your driver's license following a serious traffic violation, such as a DUI.

Filing an SR-22 in Indiana will categorize you as a high-risk driver and can cause your insurance rates to go up. Purchasing non-owner car insurance is the most cost-effective method of insuring a vehicle that you do not own.

On average, the following companies offer the cheapest widely available non-owner SR-22 car insurance in Indiana for drivers with a DUI conviction:

  • GEICO: $373 per year
  • Progressive: $460 per year

With an average yearly premium of roughly $556, Farmers offers the most expensive non-owner car insurance with a DUI in Indiana.

Cheapest SR-22 Non-Owner Car Insurance Companies in Indiana

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $373
    $31
  • Progressive
    $460
    $38
  • State Farm
    $461
    $38
  • Farmers
    $556
    $46
Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

What Is Non-Owner Car Insurance in Indiana?

If you do not own a car but drive a rented vehicle, non-owner liability car insurance in Indiana is a great option to consider. It must meet the state’s minimum liability insurance coverage levels for personal injury and property damage.

Additionally, you can customize this auto insurance policy by adding optional coverages such as uninsured and underinsured motorist coverage. However, non-owner car insurance customers are not eligible to add comprehensive and collision coverage, also known as full coverage.

tip icon
MONEYGEEK EXPERT TIP

In Indiana, a non-owner car insurance policy must fulfill the following minimum requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Indiana?

According to Indiana’s insurance law, you don’t need to get auto insurance if you don't own a car. However, you might need a non-owner car insurance policy for a number of other reasons, including:

  • To get your license reinstated: A DUI conviction may result in a license suspension. To restore your license in Indiana, you may need to file an SR-22 to show your financial responsibility. Because an SR-22 on your record can be expensive, non-owner auto insurance is an excellent way to save money.
  • To insure rental cars or shared cars: Rental car insurance can be very expensive in the long run. Non-owner car insurance works better if you frequently rent cars. Additionally, if you drive a friend's car and their insurance policy does not provide enough coverage, non-owner car insurance can cover you.
  • To avoid insurance lapse: If you temporarily don’t have a car and cancel your auto insurance coverage, you will have a lapse in insurance. This can cause insurers to increase your rates. You can buy a non-owner car insurance policy and qualify for more affordable plans in the future.

Who Shouldn’t Get Non-Owner Car Insurance in Indiana?

Non-owner car insurance isn’t necessary for every driver who doesn’t own a car. For example, if you frequently drive a friend or a family member's car, you may not need this insurance as long as you have permission to use their vehicle. In this scenario, you’d be covered under your friend or family member’s policy.

It's also not necessary to have this type of policy if you rarely rent cars. If you only rent a car once or twice a year, the rental company’s insurance is cheaper and sufficient.

How to Get Non-Owner Car Insurance in Indiana

You can obtain non-owner car insurance in Indiana from any of the companies listed below. The policies that some companies offer are only available to existing policyholders who temporarily forgo their standard auto insurance and want to avoid coverage gaps by choosing non-owner car insurance.

Additionally, online quotes for non-owner car insurance policies are not available from most insurers. You’ll need to call the insurance provider to get a quote.

Contact Non-Owner Car Insurance Companies in Indiana
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335

Frequently Asked Questions About Indiana Non-Owner Car Insurance

A non-owner car insurance policy provides the minimum coverage necessary for someone driving a car they do not own. The following are a few commonly asked questions about car insurance for non-owners in Indiana.

Methodology

MoneyGeek compared non-owner car insurance quotes from multiple insurers using data from Quadrant Information Services. We used a sample driver profile of a 40-year-old driver with both a clean driving record and a DUI. All non-owner car insurance policies met state minimum car insurance requirements except for liability insurance, which included the following:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The standard car insurance plans were compared using the same coverage limits.