Cheapest and Best Non-Owner Car Insurance in Indiana (2024)

A non-owner auto insurance policy offers requisite liability coverage to those who don’t own a vehicle but need protection while on the road. Non-owner insurance is an option if you use rented or borrowed cars often or need to maintain continuous coverage in your driving history. You can also use the policy to help reinstate your driving rights if you have a violation.

Indiana drivers will typically find the cheapest coverage from Auto-Owners. Auto-Owners is also our top recommendation overall and the most affordable insurer for those interested in purchasing non-owner insurance after a violation.

MoneyGeek found that the insurers that offer the cheapest non-owner car insurance in Indiana are as follows:

• Drivers with clean records: Auto-Owners ($13 per month)
• Drivers with violations: Auto-Owners ($18 per month)

On average, Indiana drivers with violations on their records may expect an increase of about $5 per month on their non-owner insurance premiums compared to what they would pay with a clean driving history.

For Indiana residents with no history of traffic violations, the two companies offering the lowest premiums for non-owner auto insurance include:

• Auto-Owners: $13 per month
• State Farm: $22 per month

With an average rate of $13 per month, USAA is another one of the cheapest providers for veterans and active military personnel, along with their eligible family members.

Auto-Owners and State Farm both offer much lower rates in Indiana than the national average of $43 per month. However, actual rates will depend on your preferences and driving profile.

These companies offer the most affordable SR-22 non-owner car insurance for Indiana drivers with violations on their records:

• Auto-Owners: $18 per month
• State Farm: $32 per month

Indiana drivers from the military community may also opt for policies from USAA, which are cheaper than what State Farm offers, at $21 per month.

Violations like at-fault accidents and DUIs on your record may mandate that you file SR-22 insurance. As a result, you will pay higher costs for insurance coverage. In Indiana, the most affordable SR-22 insurance averages $18 per month, considerably lower than the national average of $59.

Indiana residents who drive cars they do not own, including borrowed and rented cars, should purchase non-owner car insurance. Non-owner insurance offers liability coverage for bodily injury and property damage if a driver gets involved in an at-fault accident.

Nevertheless, this insurance excludes protection for personal injury and damages to the vehicle used by the policyholder during the accident. The following table explores differences in coverages and costs between a traditional full coverage policy and non-owner auto insurance in Indiana.

The average cost of auto insurance for Indiana drivers who don’t own cars is $28 per month. This average rate is lower than the national average of $43 per month. However, your insurance premiums can vary considerably based on your profile. For instance, factors like your driving record, age and the car’s make and model will have more influence on your rates than where you live.

Based on our analysis, the top three non-owner car insurance providers in Indiana are:

• Auto-Owners: MoneyGeek score of 78 out of 100 ($13 per month)
• State Farm: MoneyGeek score of 66 out of 100 ($22 per month)
• GEICO: MoneyGeek score of 65 out of 100 ($25 per month)

We identified the best non-owner auto insurance carriers in Indiana by considering various factors, including affordability, customer support scores from J.D. Power and AM Best's financial stability ratings. Examine the details of the top-ranking insurers in Indiana to establish the right option for your preferences.

Non-owner car insurance policies in Indiana apply to drivers who often use borrowed or rented cars. Here are some types of drivers who may find non-owner car insurance useful.

The following answers address common questions about non-owner car insurance in Indiana. They can help drivers understand more about auto insurance in the state.