Non-owner auto insurance in Indiana: Which company has the cheapest rates?

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Non-owner car insurance in Indiana costs $263 per year, according to Insure.com’s 2023 rate analysis, which is $117 lower than the national average.

In Indiana, these policies are available from companies such as Geico, State Farm and Travelers.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Indiana.

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

It’s usually cheaper to buy a non-owner insurance policy than typical auto insurance because insurers consider non-owner policyholders less risky due to their limited access to a car.On average in the United States, it costs $1,682 a year for a 100/300/100 full coverage insurance policy for  drivers with a good credit score as well as a clean driving record.This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for any damages to property.In Indiana, the cost is $1,184.

On the other hand, non-owner auto insurance costs $263 a year in Indiana and $380 on average in the U.S.

But various factors affect individual rates, such as where in Indiana you live, which insurer you purchase from as well as your age and driving history.

Which insurer offers the cheapest non-owner insurance rates in Indiana?

With an average annual cost of $37, Auto-Owners’ non-owner insurance policy is Indiana’s most affordable.

At $456, American Family charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Indiana

Cheapest non-owner insurance rates in Indiana

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Indiana by age?

Older drivers have been driving on the road for longer than younger, inexperienced drivers and are less likely to be caught up in an accident. Their rates are usually less expensive than those of younger drivers. Indiana non-owner insurance costs, on average, $262 a year for a 45-year-old, whereas it’s $1,182 for a 16-year-old driver.

Average non-owner auto insurance rates in Indiana by age and gender

Which Indiana cities have the cheapest non-owner auto insurance?

From ZIP code to ZIP code, rates can be very different. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates.

Below are tablescharts displaying the cities in Indiana that have the least and most expensive non-owner auto insurance rates.

The 20 Indiana cities with the lowest non-owner car insurance rates

The 20 Indiana cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Indiana’s 10 biggest cities?

The largest cities in Indiana can have significantly different non-owner insurance rates. The non-owner insurance cost in Hammond is the highest at $331. Lafayette has the cheapest rates among the state’s most populous cities at $263.

Non-owner car rates in Indiana’s 10 largest cities

How non-owner insurance rates in Indiana compare to rates in other states

The rates for non-owner auto insurance will differ from state to state. The average non-owner insurance rate in Indiana is $263, which is lower than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and then Iowa at $193 per year.

Non-owner car insurance rates in the 10 most populous states

How to get non-owner auto insurance in Indiana

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Below are a few insurers with contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.