Question 1

What does non-owner car insurance cover in Indiana?

Accepted Answer

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.

Question 2

Can I get an SR-22 without owning a car in Indiana?

Accepted Answer

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.

Question 3

Which carriers write non-owner insurance in Indiana?

Accepted Answer

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.

Question 4

How much does non-owner insurance cost in Indiana?

Accepted Answer

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.

Question 5

Does a non-owner policy cover rental cars in Indiana?

Accepted Answer

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.

Question 6

What is Indiana's Probationary License and do I need SR-22 for it?

Accepted Answer

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.

Question 7

How long do I have to keep SR-22 insurance in Indiana?

Accepted Answer

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

Non-Owner Car Insurance — Indiana

Indiana Minimum Coverage

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

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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