Non-Owner Car Insurance
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Non-Owner Car Insurance — Indiana

An Indiana non-owner policy carries the state's 25/50/25 liability minimum without requiring you to own a vehicle. If you need an SR-22 filing, carriers like Dairyland, GAINSCO, Geico, Progressive, The General, and USAA write non-owner SR-22 policies in Indiana—satisfying the Bureau of Motor Vehicles requirement without a car title.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Non-Owner Liability Requirements in Indiana

Indiana requires all drivers to carry at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage—whether you own a car or not. A non-owner policy meets this floor. Indiana is an at-fault state, so the driver responsible for a crash pays for the other party's damages through liability coverage. If you need an SR-22 filing after a suspension, OWI conviction, or uninsured accident, the Bureau of Motor Vehicles requires you to maintain the filing for 3 years, and a non-owner policy can carry it.

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25/50 minimum
Bodily Injury Liability
Pays for injuries you cause to others in an at-fault crash. Indiana law sets the floor at $25,000 per person and $50,000 per accident. A non-owner policy provides this coverage when you drive a borrowed, rented, or shared car—it follows you, not the vehicle.
$25,000 minimum
Property Damage Liability
Covers damage you cause to another person's car, fence, or property in an at-fault crash. Indiana requires $25,000 minimum. Because a non-owner policy is liability-only, it never covers damage to the car you are driving—that car's owner must carry collision or comprehensive for physical damage.
SR-22 required, 3 years
Non-Owner SR-22 Filing
If the Indiana Bureau of Motor Vehicles requires you to file an SR-22 after an OWI, suspension, or uninsured accident, you can satisfy the filing on a non-owner policy without owning a car. The filing period is 3 years from the date the BMV orders it. Carriers writing non-owner SR-22 in Indiana include Dairyland, GAINSCO, Geico, Progressive, The General, and USAA.
Not required, but available
Uninsured Motorist Coverage
Indiana does not mandate uninsured or underinsured motorist coverage, but most non-owner policies include it as an option. It pays for your injuries if you are hit by a driver with no insurance or insufficient limits—important protection when you regularly drive cars you do not own.
State-Mandated Minimum Coverage · Indiana

Indiana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$250

Meeting the state minimum keeps you legal. See whether it's enough — get your Indiana quote.

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What Shapes Non-Owner Costs in Indiana

A non-owner policy costs less than standard auto insurance because it covers no vehicle and excludes collision and comprehensive. Cost in Indiana depends on your driving history, whether you need an SR-22 filing, and the liability limits you choose above the 25/50/25 minimum. Carriers writing non-owner policies in Indiana include Dairyland, GAINSCO, Geico, Progressive, The General, and USAA—each prices the policy differently based on your profile.

What Affects Your Rate

  • Indiana's 25/50/25 liability minimum sets the base cost—choosing higher limits like 100/300/100 increases the premium but provides more protection in a serious crash.
  • An SR-22 filing requirement narrows your carrier options in Indiana to Dairyland, GAINSCO, Geico, Progressive, The General, and USAA, and the underlying violation that triggered the filing raises your rate.
  • Your driving history over the past 3 to 5 years—OWI convictions, at-fault crashes, or multiple moving violations—places you in a higher-risk tier and increases cost.
  • The $250 base reinstatement fee to the Bureau of Motor Vehicles is separate from the policy premium and must be paid before your license is restored.
  • Choosing to add uninsured motorist coverage to your non-owner policy increases the premium slightly but protects you if you are hit by a driver with no insurance.
  • Carriers price non-owner policies differently—comparing quotes from multiple writers in Indiana can reveal significant differences even for the same coverage and profile.
Non-Owner Liability Only
25/50/25
You need liability coverage to keep continuous insurance between cars or because you regularly borrow or rent vehicles. No SR-22, no violations on record.
Non-Owner With SR-22
3-year filing
The Bureau of Motor Vehicles requires you to file an SR-22 for 3 years after an OWI, suspension, or uninsured accident. The filing itself costs a one-time fee, but the underlying violation raises your premium.
Non-Owner After Major Violation
OWI or HTV
Indiana's non-standard market includes carriers like Dairyland, GAINSCO, and The General. Expect higher premiums and a mandatory SR-22 filing period if the BMV ordered one.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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Coverage Types

Non-Owner Liability Insurance

Provides bodily injury and property damage liability when you drive a car you do not own. Meets Indiana's 25/50/25 minimum without requiring a vehicle title.

Non-Owner SR-22 Insurance

Combines liability coverage with the SR-22 certificate the Bureau of Motor Vehicles requires after an OWI, suspension, or uninsured accident. Filed by the carrier on your behalf.

Uninsured Motorist Coverage

Pays for your injuries if you are hit by a driver with no insurance or insufficient limits. Optional in Indiana but commonly added to non-owner policies.

Non-Standard Auto Insurance

Coverage for drivers with OWI convictions, multiple violations, or Habitual Traffic Violator status. Non-standard carriers write non-owner policies when standard carriers decline.

Find Your City in Indiana

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Indianapolis

urbanCost varies by driving history and whether an SR-22 filing is required; carriers writing non-owner in Indianapolis include Dairyland, Geico, Progressive, and The General.

Indianapolis drivers face higher uninsured motorist rates than rural Indiana counties—adding UM coverage to a non-owner policy is common here.

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Fort Wayne

urbanNon-owner policies in Fort Wayne reflect the city's elevated crash rate; SR-22 filers can compare Dairyland, GAINSCO, Geico, Progressive, The General, and USAA.

Fort Wayne's winter weather increases crash frequency—non-owner drivers borrowing cars here often choose higher liability limits than the state minimum.

Evansville, Indiana cityscape and street view

Evansville

urbanCost depends on driving record and filing requirements; carriers writing non-owner in Evansville include Dairyland, Geico, Progressive, and The General.

Evansville sits near the Kentucky border—non-owner drivers who cross state lines regularly should confirm their policy covers out-of-state driving.

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South Bend

urbanNon-owner rates in South Bend vary by age and driving history; carriers include Dairyland, Geico, Progressive, and USAA for clean records.

South Bend's college population includes many drivers who borrow household cars—non-owner policies are common for students maintaining continuous coverage.

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Carmel

suburban
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Bloomington

urban
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Hammond

urban
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Muncie

urban

Frequently Asked Questions

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