Non-Owner Car Insurance — Indiana
Indiana requires 25/50/25 liability coverage and is an at-fault state.
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Indiana at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$250
State license reinstatement fee, about 10 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Non-Owner Liability Requirements in Indiana
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.
Bodily Injury Liability
Property Damage Liability
Non-Owner SR-22 Filing
Uninsured Motorist Coverage
What Shapes Non-Owner Costs in Indiana
$13–$27/mo
Typical monthly rate in Indiana, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
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.
- 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.
Stay Insured Without Owning a Car
Get My Non-Owner Insurance QuoteIf your license is suspended
Specialized Driving Privileges (SDP, IC 9-30-16)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What does non-owner car insurance cover in Indiana?
A non-owner policy in Indiana provides bodily injury and property damage liability—at least the state's 25/50/25 minimum—when you drive a car you do not own. It is secondary coverage that sits behind any policy on the car you are driving. It never covers collision or comprehensive damage to the vehicle itself because you own no car to repair.
Can I get an SR-22 without owning a car in Indiana?
Yes. 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. Carriers writing non-owner SR-22 in Indiana include Dairyland, GAINSCO, Geico, Progressive, The General, and USAA. The filing period is 3 years from the date the BMV orders it.
Which carriers write non-owner insurance in Indiana?
Dairyland, GAINSCO, Geico, Progressive, The General, and USAA write non-owner policies in Indiana. Not all carriers offer non-owner coverage, and among those that do, only the six named above file non-owner SR-22s in the state. Compare quotes directly with each carrier to find the best rate for your profile.
How much does non-owner insurance cost in Indiana?
Cost depends on your driving history, whether you need an SR-22 filing, and the liability limits you choose above Indiana's 25/50/25 minimum. A non-owner policy costs less than standard auto insurance because it covers no vehicle and excludes collision and comprehensive. Rates vary significantly by carrier—Dairyland, Geico, Progressive, and The General each price differently for the same coverage.
Does a non-owner policy cover rental cars in Indiana?
A non-owner policy provides liability coverage when you rent a car in Indiana, but it does not cover physical damage to the rental vehicle itself—that requires the rental company's collision damage waiver or a separate policy. Your non-owner liability sits behind any coverage the rental company provides and pays for injuries or property damage you cause to others.
What is Indiana's Probationary License and do I need SR-22 for it?
Indiana's Probationary License (also called Specialized Driving Privileges in court contexts) allows limited driving during a suspension for work, school, medical appointments, or other approved purposes. The Bureau of Motor Vehicles requires SR-22 proof of financial responsibility as a condition of any probationary or specialized driving privilege. A non-owner policy can carry the SR-22 if you own no car.
How long do I have to keep SR-22 insurance in Indiana?
Indiana requires SR-22 filing for 3 years after the Bureau of Motor Vehicles orders it, typically following an OWI conviction, suspension for uninsured driving, or certain at-fault crashes. The 3-year period starts from the date the BMV orders the filing, not the date you purchase the policy. If your carrier cancels the policy or you let it lapse, the BMV suspends your license again and the 3-year clock restarts.
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
Indianapolis
Indianapolis drivers face higher uninsured motorist rates than rural Indiana counties—adding UM coverage to a non-owner policy is common here.
Fort Wayne
Fort Wayne's winter weather increases crash frequency—non-owner drivers borrowing cars here often choose higher liability limits than the state minimum.
Evansville
Evansville sits near the Kentucky border—non-owner drivers who cross state lines regularly should confirm their policy covers out-of-state driving.
South Bend
South Bend's college population includes many drivers who borrow household cars—non-owner policies are common for students maintaining continuous coverage.