Cheapest And Best Non-Owner Car Insurance In Indiana 2024

Through in-depth investigation, we’ve determined that Kemper presents the most economical and highest-quality non-owner car insurance in Indiana.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Written by Bob Phillips
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Many Indiana people opt out of car ownership, preferring to share or rent vehicles due to the financial burdens involved. Non-owner car insurance offers a solution by providing financial protection and peace of mind.

With 15 years of experience as an insurance agent and over 35 years as a car insurance consumer, I have extensive knowledge of Indiana’s insurance providers and their unique offerings.

Cheapest Non-Owner Car Insurance In Indiana, 2024

Non-Owner Car Insurance, Indiana 2024

Compare The Cheapest And Best Non Owner Car Insurance In Indiana

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote
Kemper
4.7

Cheapest Overall

A-

736

$35

Instant Quote
Farmers
4.6

Cheapest Non-Owner SR-22

A-

810

$62

Instant Quote
State Farm
4.9

Best Overall

A++

826

$53

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

A+

809

$36

Instant Quote
Travelers
4.8

Best Runner-up

A++

NR

$44

Instant Quote
Scroll to see comparisons

Our Methodology

By delving into customer service ratings, product offerings, pricing, and reviews from multiple online sources and user experiences, I've developed a thorough understanding of non-owner car insurance providers.

This perspective stems from my over 15 years of active participation in the industry as a licensed agent in Indiana, as well as extensive interactions with representatives from various companies and firsthand purchasing experiences.

102

Quotes Analyzed

15+

Years Of Industry Experience

46

Brands Reviewed

30+

Research Hours

Cheapest Non Owner Car Insurance Companies In Indiana


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re in Indiana and need cheap car insurance but don’t own a car, Kemper is a top choice. They specialize in providing affordable auto insurance for high-risk drivers. You can buy their policies through independent agents in Indiana and other states.

Although Kemper offers low prices, it doesn’t rank well in customer satisfaction, as per the National Association of Insurance Commissioners. However, despite this, many still opt for Kemper, making it the 11th largest insurer in the country.

For active-duty military personnel or National Guard members without their own vehicle, deployed individuals, or those living on a military base where they frequently use another person’s car, Kemper could be a suitable option.

Indiana has a reputation for its high cost of living, which extends to car insurance. Factors such as heavy traffic and a high number of uninsured or underinsured drivers contribute to the expensive nature of owning and insuring a car, making it difficult for many to afford.

Consequently, more people are choosing not to own a car or relying on rentals. Finding affordable non-owner car insurance is helping many in Indiana save money on insurance they no longer require.

Benefits & Drawbacks

Benefits
  • Offers the cheapest insurance rates for people without a car in Indiana.
  • If you require it, be sure to obtain an SR-22.
  • A high financial stability score given by AM Best
Drawbacks
  • Many customers have expressed dissatisfaction with the help provided to those who have insurance coverage.
  • An application for smartphones that has been rated poorly by its users.

Rates For The Cheapest Non Owner Car Insurance In Indiana

Insurance company Monthly Rate
Nationwide $47
State Farm $26
Farmers $40
GEICO $32
Kemper $20

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is well-known for its reliable non-owner car insurance, especially for drivers who need an SR-22 form. This form is required for people considered “high-risk” by the state due to offenses like DUIs, reckless driving, or driving without insurance.

What makes Farmers stand out is its specialized help tailored for high-risk drivers. They not only provide SR-22 insurance but also assist drivers with suspended licenses in quickly getting them reinstated. This focus on simplifying processes for high-risk drivers makes Farmers different from other insurance companies.

In terms of cost, Farmers offers SR-22 Insurance for just about 2% more than regular car insurance on average. This affordability, along with comprehensive coverage, makes Farmers a smart choice for Indiana drivers needing an SR-22.

Getting non-owner SR-22 insurance is a wise move for high-risk drivers who don’t own a vehicle but still need to drive occasionally. It gives liability coverage, protecting you financially if you have an accident while driving a borrowed or rented car.

Additionally, it helps maintain continuous insurance coverage, demonstrating financial responsibility, and avoiding potential gaps in your insurance history that could lead to higher future premiums.

Benefits & Drawbacks

Benefits
  • Concentrates on serving people labeled as high-risk drivers.
  • Offers the most competitive rates for SR-22 insurance if you don't own a vehicle.
  • There's a variety of insurance options available for selection.
Drawbacks
  • Some customers are facing issues with how their claims are being managed and settled.
  • Increased insurance costs for drivers identified as having a higher risk level.

Rates For The Cheapest Non-Owner SR-22 In Indiana

Insurance company Monthly Rate
State Farm $34
Nationwide $55
Farmers $24
Progressive $54
Travelers $43

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive is a top pick for those in Indiana looking for non-owner car insurance, especially if you haven’t had any accidents or violations. Their non-owner coverage gives you important protection for any accidents that happen, covering costs for injuries or damage to property. This is important because Indiana requires all vehicles on its roads to have some form of financial responsibility.

You can get Progressive’s non-owner car insurance from independent agents, though Progressive also offers it directly. They have a good track record of settling claims and solid financial ratings.

Having a clean driving history means you’ll pay less for non-owner car insurance. Insurance companies see you as less risky because you’ve shown safe driving habits. Plus, it helps insurers avoid losses from claims, which keeps their prices competitive. So, keeping your driving record clean can really cut down on your premiums.

Benefits & Drawbacks

Benefits
  • Numerous choices available for insurance
  • Top deals for drivers who value safety above all else
  • Reduced rates for drivers who have a clean record without any accidents or traffic violations.
Drawbacks
  • Various customers hold different views about how good the service is.
  • Lack of rental car insurance
  • Some states don't offer car insurance choices for individuals who don't possess the vehicle.

Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Nationwide $45
GEICO $27
State Farm $25
Progressive $20
Farmers $38

Best Overall Non Owner Car Insurance

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm emerges as a top choice for non-owner car insurance in Indiana due to its competitive pricing, diverse coverage options, and top-notch customer support.

Though it might not be the absolute cheapest, State Farm offers rates starting at $213 per year for non-owner liability coverage. This coverage shields you in case you’re responsible for injury or property damage.

Moreover, if you already hold a personal auto policy with State Farm that includes comprehensive coverage, it can extend to cover your rental car, providing you with added peace of mind.

What distinguishes State Farm is its dedication to customer service. They ensure easy accessibility through their phone app or a dedicated contact number, ensuring policyholders receive quick assistance when required.

While price matters, exceptional customer service should not be overlooked. Insurance isn’t solely about the cost; it’s about feeling protected and knowing you’ll get help when needed. An insurance company’s ability to handle claims efficiently and provide guidance is vital.

Benefits & Drawbacks

Benefits
  • Wide range
  • Competitive pricing
  • Fantastic customer contentment
Drawbacks
  • Usually, insurance plans that aren't for the owner of the vehicle don't offer complete protection or coverage for collisions.
  • They only offer a limited number of discounts.
  • You can discover less expensive options.

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Indiana, Travelers is a popular choice for those seeking non-owner car insurance. They’re known for crafting personalized plans and providing top-notch customer service.

Having a dependable insurance provider is crucial, especially during accidents or claims. Travelers shines in this regard by offering prompt and efficient support to guide you through the process smoothly, demonstrating their dedication to customer satisfaction.

Travelers provides various coverage options for non-owners, such as standard liability, collision, and uninsured/underinsured coverage, all at affordable rates.

Non-owner car insurance mainly focuses on liability protection, covering damages you may cause to others. However, you can boost your coverage by adding comprehensive and collision protection, safeguarding you from theft, vandalism, natural disasters, and accidents involving other vehicles or objects, irrespective of fault.

Benefits & Drawbacks

Benefits
  • Complete safety
  • Exceptional customer support
  • Competitive pricing
Drawbacks
  • At present, it's not possible to access quotes online.
  • Restricted Discounts
  • Drivers considered to pose a higher risk will face increased car insurance costs

What Is SR-22 Insurance?

In essence, SR-22 isn’t an insurance policy but rather a validation of your vehicle liability coverage. Most state DMVs demand it for high-risk insurance policies, acting as proof that you meet the minimum liability insurance criteria.

Your insurance company submits this paperwork, crucial for individuals facing license suspension over traffic infractions or serious offenses like DUIs. It essentially attests to your financial responsibility, confirming you’ve secured the required auto liability insurance.

Typically, it’s a state or court requirement, particularly for high-risk drivers, and your insurer is obliged to inform the state if your coverage lapses.

Average Cost Of Non Owner Car Insurance In Indiana Cities

These figures represent the usual rates for five smaller Indiana cities.

City Sample Average Annual Rate
Dunkirk $239
Hartford $240
Poneto $238
Bryant $237
Portland $236

How Much Is Non-Owner Car Insurance In Indiana – By Age?

Rates for non-owner car insurance in Indiana mimic those of full coverage insurance, starting high for teen drivers and declining steadily until age 55.

The following are example rates for different age brackets.

Age Average Annual Rate
16 $1,239
17 $942
18 $786
19 $598
20 $526
21 $455
22 $416
23 $380
24 $354
25 $308
30 $282
35 $275
40 $266
45 $262
50 $258
55 $252
60 $255
65 $272
70 $296
75 $328

Average Cost Of Non-Owner Car Insurance In Indiana

Delving into non-owner car insurance can seem intimidating with the abundance of providers and price differences. It’s vital to be well-informed about the financial ramifications of your decision.

To simplify, we’ve crafted a chart comparing rates from five top providers.

Insurer Average Monthly Rate
GEICO $80
Travelers $78
Progressive $81
State Farm $72
Nationwide $70

What Is Non-Owner Car Insurance?

If you often drive cars that you don’t own, like rentals or borrowed vehicles, you might want to consider getting non-owner car insurance. This type of insurance mainly covers liability, so if you’re at fault in an accident while driving someone else’s car, your policy can take care of the other party’s medical bills and repairs.

Some insurers might also offer additional options like protection against uninsured drivers or coverage for personal injuries. However, it’s important to note that non-owner insurance usually doesn’t include coverage for damage to the car you’re driving. It’s a good idea for people who frequently rent or borrow cars, giving them an extra level of protection.

Plus, it could be more cost-effective than always purchasing insurance from the rental company. Additionally, having this kind of policy ensures you maintain continuous insurance coverage, which could result in lower premiums if you decide to purchase a car in the future.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

How Non-Owner Insurance Rates In Indiana Compare To Rates In Other States

Indiana’s non-owner car insurance comes in at an average of $265 annually, surprisingly cheaper than the national average of $353.

Here’s a breakdown of rates in the 12 most populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

How Much Is Non-Owner Car Insurance In Indiana’s 10 Biggest Cities?

Car insurance companies consider city size when setting rates. Living in a bustling metropolis can result in higher premiums due to increased traffic.

City Average Annual Rate
South Bend $282
Fort Wayne $278
Greenwood $276
Bloomington $275
Lafayette $265
Hammond $336
Evansville $308
Indianapolis $308
Carmel $286
Noblesville $282

How To Get Non-Owner Car Insurance In Indiana

Make the process of getting non-owner car insurance in Indiana smooth and efficient by following these five steps.

Understand Your Needs

It’s vital to comprehend the reasons for needing non-owner car insurance before starting the process. Do you frequently rent vehicles or borrow cars from friends or family? Is a non-owner SR-22 form necessary for license reinstatement? Clearly stating your requirements is crucial for finding the optimal solution.

1

Gather Your Personal Information

When seeking a non-owner car insurance quote, you’ll be asked to provide simple personal information such as your name, address, and driver’s license number. This data assists the insurer in determining the appropriate premium for your coverage.

2

Compare Rates From Different Providers

Different insurance companies have different prices for non-owner car insurance. It’s a good idea to compare quotes from multiple providers to find the most affordable rate.

3

Choose The Right Coverage

Non-owner car insurance typically comes with liability coverage, which takes care of costs if you cause an accident. Additional coverages such as uninsured motorist protection or medical payments might be available depending on your preferences and the insurer. Be sure to select a policy that matches your needs.

4

Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve selected a policy, you can generally buy it online or over the phone. Once you’ve made the purchase, you’ll receive proof of insurance right away, usually via email. If needed, your provider can also submit an SR-22 on your behalf.

5

Should You Get Non-Owner Car Insurance In Indiana?

Non-owner auto insurance is meant for people who don’t own a car but still drive occasionally. It offers liability protection if you get into an accident while driving a borrowed or rented vehicle. Certain individuals in Indiana should consider investing in this type of insurance.

Frequent Renters And Borrowers

For those who regularly rent cars or borrow them from others, non-owner car insurance is a wise choice. Although rental companies offer insurance options, they can become costly for frequent renters.

Likewise, while the owner’s insurance may cover certain accidents, having your own policy guarantees protection without impacting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

For numerous Indiana residents, their everyday commute relies on public transportation or ride-hailing services, reserving personal driving for occasional use. You may fit into this category if you live in an urban setting with dependable public transit or if you’re someone who prefers biking or walking for most trips.

Nonetheless, there are instances where driving becomes necessary. In such scenarios, non-owner insurance ensures you have the financial coverage you require.

Individuals Trying To Maintain Continuous Coverage

Drivers who don’t maintain continuous insurance coverage are often seen as high-risk by insurance companies, leading to increased premiums when they buy a new car. If you’ve sold your vehicle and won’t have one for a while, getting a non-owner policy can help you keep your coverage continuous and preserve your insurance history.

This can come in handy when you eventually purchase another car and need regular insurance.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance is for those who don’t own a car but still want coverage. It mainly deals with liability, meaning it pays for others’ injuries or property damage in an accident where you’re at fault.

But it’s crucial to understand that it won’t cover any damage to the car you’re driving; the owner’s insurance takes care of that. Some policies might offer extras like medical payments or personal injury protection, which help with medical bills regardless of fault.

You can also opt for uninsured/underinsured motorist protection, which is handy if you’re in a crash with a poorly insured driver. Just remember, non-owner insurance doesn’t include coverage for theft, vandalism, natural disasters, or collisions.

FAQs

Do you need car insurance if you don’t own a car in Indiana?

In Indiana, having car insurance is obligatory, even if the vehicle isn’t yours. Non-owner car insurance is tailored for those who often drive borrowed or rented cars, providing liability coverage for accidents they may cause while driving.

Can I buy auto insurance for someone else’s car in Indiana?

Definitely, you can get insurance for someone else’s car in Indiana. However, it’s a bit more complicated than getting insurance for your own car. Insurers typically prefer to see some sort of connection between the person getting the insurance and the vehicle, like being a co-owner or using it regularly.

Who offers the cheapest non owners car insurance in Indiana?

Our investigation shows that Kemper gives the best deals on non-driver car insurance in Indiana.

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