Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- Non-owner car insurance costs an average of $22 a month in Indiana for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $259 per year—lower than liability-only coverage of $498 for Indiana drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Indiana at an average cost of $3 per month.
Do I need non-owner car insurance in Indiana?
Non-owner car insurance in Indiana is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Indiana
Non-owner car insurance costs an average of $22 a month and $259 per year in Indiana for the coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Indiana
Auto-Owners offers the cheapest non-owner car insurance rates in Indiana at an average cost of $3 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Indiana Farmers Insurance and Indiana Farm Bureau also have cheap non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
The table below highlights the cheapest non-owner car insurance companies in Indiana.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Indiana, by age and gender
In Indiana, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $762 a month for insurance, whereas adding a 16-year-old female would cost you around $641 monthly.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Indiana.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $657 | $572 |
| Young Adults (20-24) | $394 | $370 |
| Adults (25-60) | $257 | $260 |
| Seniors (65-75) | $284 | $270 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Indiana cities
Non-owner auto insurance cost in Lafayette is $22 a month or $259 a year, whereas drivers in Bloomington pay $22 a month for the same coverage.
Insurance rates vary by city in Indiana. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
The cost of living also determines the premiums. In areas with higher costs of living in Indiana, you can expect to pay more for non-owner insurance.
See the table below for the cost of non-owner car insurance in your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Lafayette | $259 | $22 |
| Bloomington | $267 | $22 |
| South Bend | $270 | $23 |
| Fort Wayne | $272 | $23 |
| Noblesville | $275 | $23 |
| Carmel | $277 | $23 |
| Fishers | $284 | $24 |
| Indianapolis | $296 | $25 |
| Evansville | $303 | $25 |
| Hammond | $329 | $27 |
Affordable non-owner insurance in Indiana, by ZIP code
In Indiana, a 40-year-old driver living in ZIP code 47527 pays $229 a year or $19 per month for non-owner insurance, while the coverage costs $230 a year or $19 per month for a driver in ZIP code 47371 with a clean driving record.
When should you consider buying non-owner car insurance in Indiana?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Indiana
Non-owner car insurance in Indiana is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
It is a good option for those who often rent or borrow vehicles as it offers liability coverage when driving someone else’s car and can supplement the car owner’s existing insurance policy.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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