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Non-Owner SR-22 Insurance in Indiana

Indiana requires 25/50/25 liability coverage and is an at-fault state.

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Indiana at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$250

State license reinstatement fee, about 10 days to process

Source: state DMV, insurance department and statute records, verified July 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.

Bodily Injury Liability

Covers injuries you cause to others while driving a borrowed vehicle. Indiana's 25/50 minimum is the lowest tier in the Midwest and covers less than one emergency room visit in many cases. Non-owner policies carry these minimums as the base, but many carriers recommend 50/100 limits for drivers with SR-22 filing requirements because violations already place you in a high-risk category.

Property Damage Liability

Pays for damage to another person's vehicle or property when you're at fault. Non-owner policies do not cover vehicles you own or regularly use, only borrowed or rented vehicles driven with permission.

SR-22 Certificate Filing

The SR-22 is not insurance but a certificate filed by your carrier with the Indiana Bureau of Motor Vehicles proving you maintain continuous coverage. Non-owner SR-22 policies satisfy this requirement without requiring a specific vehicle. The carrier files electronically within 24-48 hours of policy purchase, and the BMV processes reinstatement within 5-10 business days after filing.

What Drivers Pay in Indiana

$194–$282/mo

Typical monthly rate in Indiana, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

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If your license is suspended

Specialized Driving Privileges (SDP, IC 9-30-16)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

How long do I need to maintain SR-22 filing in Indiana?

Indiana requires SR-22 filing for 3 years after most violations, including DUI convictions and suspension for driving without insurance. The 3-year period starts from the date the BMV receives the SR-22 certificate, not the violation date. If your policy lapses or cancels during the filing period, your carrier notifies the BMV within 10 days and your license is re-suspended immediately.

What happens if I buy a car while I have non-owner SR-22 insurance in Indiana?

You must convert to a standard owner SR-22 policy within 30 days of purchasing or registering a vehicle in Indiana. Non-owner policies explicitly exclude coverage for vehicles you own, lease, or regularly use. Failing to convert creates a coverage gap, and the BMV will suspend your license again if you register a vehicle without appropriate owner SR-22 coverage.

Which insurance companies write non-owner SR-22 policies in Indiana?

Progressive, The General, National General, and Dairyland write non-owner SR-22 policies in Indiana. Not all carriers offer this product — State Farm and Allstate typically do not write non-owner policies. Specialty high-risk carriers process non-owner SR-22 filings within 24-48 hours and transmit them electronically to the Indiana Bureau of Motor Vehicles.

Does non-owner SR-22 insurance cover rental cars in Indiana?

Non-owner SR-22 policies provide liability coverage when you rent a vehicle, but they do not cover damage to the rental car itself. You would need to purchase the rental company's collision damage waiver or have a separate policy with comprehensive and collision coverage. Your non-owner policy covers injuries and property damage you cause to others while driving the rental.

Coverage Types

Non-Owner SR-22 Insurance

Liability-only policy for drivers who don't own vehicles but need SR-22 filing to reinstate their Indiana license.

Occasional Driver Coverage

Provides liability protection when driving borrowed vehicles with permission from family or friends.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage.

Liability Insurance

Covers bodily injury and property damage you cause to others while driving.

Find Your City in Indiana

Indianapolis

urban

Fort Wayne

urban

Evansville

urban

South Bend

urban

Carmel

suburban

Bloomington

urban

Hammond

urban

Muncie

urban