Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Indiana driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- 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
Indiana drivers can expect to pay an average of $22 per month or $259 annually for non-owner car insurance with a 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
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Indiana, at $3 per month. Other insurers like Indiana Farmers Insurance and Indiana Farm Bureau also offer affordable 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.
See the cheapest companies for non-owner car insurance in Indiana in the table below.
| 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 |
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.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers 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
In Lafayette the average cost of non-owner auto insurance is $22 per month or $259 per year, and Bloomington drivers pay $22 a month for the same coverage.
In Indiana, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Indiana generally pay higher insurance premiums, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on 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 provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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