Non-Owner SR-22 Suspended
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Non-Owner SR-22 Insurance in Indiana

Indiana requires SR-22 filing for 3 years after a suspension, but you don't need a vehicle to file. Non-owner SR-22 policies provide liability coverage when you drive borrowed vehicles and satisfy state filing requirements at 30-60% lower premiums than owner policies.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

Minimum Coverage Requirements in Indiana

Indiana operates under a tort liability system and requires all drivers to carry proof of financial responsibility. The Indiana Bureau of Motor Vehicles mandates SR-22 filing after certain violations, including DUI convictions, multiple traffic offenses within 12 months, or driving without insurance. Drivers without vehicles can satisfy filing requirements through non-owner SR-22 policies.

How Much Does Car Insurance Cost in Indiana?

Non-owner SR-22 policies in Indiana cost 30-60% less than owner SR-22 policies because they exclude comprehensive and collision coverage and carry no specific vehicle. Premiums vary based on violation type, age, filing duration, and county of residence.

Minimum Coverage Non-Owner
State minimum 25/50/25 liability with SR-22 filing. Covers borrowed vehicles only.
Standard Coverage Non-Owner
50/100/50 liability limits with SR-22 filing. Provides better protection for drivers with prior violations.
Enhanced Non-Owner
100/300/100 limits plus uninsured motorist coverage. Higher limits reduce personal financial exposure in serious accidents.

What Affects Your Rate

  • Violation type — DUI filings in Indiana average $85-$110/month for non-owner SR-22, while multiple traffic offenses average $60-$85/month
  • County of residence — Marion County non-owner rates run 15-25% higher than rural counties due to accident frequency and uninsured motorist rates
  • Filing duration — Indiana requires 3-year SR-22 filing for most violations, with total cost ranging $1,620-$3,960 depending on violation severity
  • Age and driving history — drivers under 25 with SR-22 requirements pay 40-60% higher premiums than drivers over 30 with similar violations
  • Coverage limits selected — increasing from 25/50/25 to 50/100/50 adds $15-$25/month but reduces personal liability exposure by $75,000 per accident

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Coverage Types

Find Your City in Indiana

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Indianapolis

urban
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Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
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South Bend

urban
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Carmel

suburban
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Bloomington

urban
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Hammond

urban
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Muncie

urban

Sources

  • Indiana Bureau of Motor Vehicles — SR-22 filing requirements and reinstatement procedures
  • Indiana Department of Insurance — minimum liability coverage standards
  • National Association of Insurance Commissioners — uninsured motorist data by state

Frequently Asked Questions

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