Non-owner car insurance in Indiana: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Indiana?

The cheapest non-owner car insurance company in Indiana is Auto-Owners, with average annual rates of $83, followed by Indiana Farm Bureau at $211. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Indiana below.

Company	Average annual premium	Average monthly premium
Auto-Owners	$83	$7
Indiana Farm Bureau	$211	$18
Travelers	$290	$24
Indiana Farmers Insurance	$344	$29
GEICO	$383	$32
Progressive	$497	$41
Farmers	$677	$56
USAA	$103	$9

Read our methodology

Best non-owner car insurance in Indiana

Auto-Owners is the best non-owner car insurance company in Indiana based on cost, customer complaints and financial strength ratings. Indiana Farm Bureau and GEICO are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Indiana, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Indiana.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Auto-Owners	$83	654	0.44	A+	4.85
Indiana Farm Bureau	$211	660	0.55	A	4.55
GEICO	$383	651	0.60	A++	4.29
Progressive	$497	634	0.60	A+	3.81
Travelers	$290	596	0.63	A++	3.79
Farmers	$677	623	1.24	A	2.90
USAA	$103	728	1.16	A++	4.51

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Indiana.

Auto-Owners

Auto-Owners is our top choice for non-owner car insurance in Indiana. Its average annual non-owner car insurance cost is $83. Auto-Owners has an AM Best score of A+ and a low NAIC complaint ratio of 0.44.

Indiana Farm Bureau

Another excellent choice for non-owner car insurance in Indiana is Indiana Farm Bureau. Average rates are $211 annually. Indiana Farm Bureau has an AM Best rating of A and an NAIC complaint ratio of 0.55.

GEICO

Our third pick is GEICO. GEICO rates average $383. Its NAIC complaint ratio is 0.60, and it has a rating of A++.

PEOPLE ASK:

Do I need Indiana non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

How much does non-owner car insurance cost in Indiana?

The average cost of non-owner car insurance in Indiana is $320 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Indiana by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Indiana, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Indiana by age and gender.

Age group	Male	Female
Teens (16-19)	$866	$825
Young Adults (20-24)	$477	$467
Adults (25-60)	$319	$327
Seniors (65-75)	$348	$336

Read our methodology

Do you need non-owner car insurance in Indiana?

You may need non-owner insurance in Indiana if you drive cars you do not own on a regular basis. This coverage can also help if you need proof of insurance to file an SR-22 after a license suspension.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.

For instance, non-owner car insurance in Indiana won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$320
Traditional state minimum policy	$506
State minimum car insurance limits	25/50/25

Read our methodology

What does Indiana non-owner car insurance cover?

Non-owner car insurance in Indiana covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Indiana

Drivers in Indiana who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owners car insurance averages $320 in Indiana, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Shop around to find the best Indiana non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Indiana

Do I need non-owner insurance to drive a friend's car in Indiana?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Indiana?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.