Non-Owner Car Insurance in Indiana
Numbers refreshed
Liability coverage for drivers in Indiana who don't own a car.
- $44.the average monthly cost for owner liability.
- 25/50/25.the minimum liability limits.
- Costs rank 42nd among 51 states (1st = highest).
Who non-owner insurance is for
- You often drive cars that are borrowed or rented, without owning a car.
- You have no car to insure, and Indiana asks you for an SR22 filing.
- You want no gap in your cover between cars, and any gap there can push the next price up.
What the policy covers
Liability is the only cover a non-owner policy provides. Indiana's minimum of 25/50/25 is what it has to meet.
Other people are paid when a crash in a car you borrowed is your fault. The car you're driving isn't repaired by it, and normally the owner's policy pays first.
How much it costs
No official average exists for non-owner policies. In Indiana, the average annual liability cost for car owners is $523. Non-owner policies usually come in lower, since no car is parked in your driveway day after day.
Further reading on Indiana car insurance
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