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

Cheapest non-owner car insurance companies in Indiana

Auto-Owners is the cheapest non-owner car insurance in Indiana, with rates averaging $39. The second most affordable option in Indiana is Indiana Farmers Insurance, with an average rate of $139.

The table below shows the most affordable non-owner car insurance companies in Indiana.

Company	Average annual premium	Average monthly premium
Auto-Owners	$39	$3
Indiana Farmers Insurance	$139	$12
Indiana Farm Bureau	$179	$15
GEICO	$181	$15
State Farm	$263	$22
Travelers	$272	$23
Nationwide	$363	$30
Progressive	$501	$42
Farmers	$556	$46
USAA	$95	$8

Read our methodology

Best non-owner car insurance in Indiana

Although Auto-Owners came out on top, Travelers and State Farm are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Indiana, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Indiana.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Auto-Owners	$39	833	0.50	A++	3.98
Travelers	$272	806	0.49	A++	3.16
State Farm	$263	837	0.70	A++	3.11
GEICO	$181	831	0.91	A++	3.04
Nationwide	$363	821	0.64	A+	2.71
Progressive	$501	816	0.65	A+	2.48
Farmers	$556	816	0.80	A	2.23

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

Our number one pick for non-owner car insurance in Indiana is Auto-Owners. The average rate for liability coverage is $39. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.

Travelers

Another excellent choice for non-owner car insurance in Indiana is Travelers. Average rates are $272 annually. Travelers has an AM Best rating of A++ and an NAIC complaint ratio of 0.49.

State Farm

Our third pick is State Farm. State Farm rates average $263. Its NAIC complaint ratio is 0.7, 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.

Average cost of non-owner car insurance in Indiana

Non-owners car insurance in Indiana costs $259. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Indiana by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Indiana.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

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

Age group	Female	Male
Teens (16-19)	$657	$572
Young Adults (20-24)	$394	$370
Adults (25-60)	$257	$260
Seniors (65-75)	$284	$270

Read our methodology

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Indiana doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the 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 policy	$259
Traditional state minimum policy	$417
State minimum car insurance limits	25/50/25

Read our methodology

What does Indiana non-owner car insurance cover?

A Indiana non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Indiana minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Indiana

Indiana drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in Indiana costs an average of $259, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.