Non-Owner SR22 Insurance in Indiana: Everything You Need to Know

If your license has been suspended in Indiana, you may be required to file an SR22 form with the BMV to get it reinstated. An SR22 provides proof of insurance and is often mandatory after certain driving offenses. This article explains what non-owner SR22 insurance is, when you need it, how much it costs and the best providers in Indiana.

What is Non-Owner SR22 Insurance?

Non-owner SR22 insurance is a liability policy that provides proof of financial responsibility to the state, but does not insure a specific vehicle. It only covers the named policyholder when driving vehicles they don’t own.

You need non-owner SR22 if:

• Your license is suspended but you don’t own a car.
• You borrow vehicles, rent cars, or drive for rideshare services.
• You lease your vehicle and are required to carry your own insurance.

With non-owner SR22, you are only covered when operating a non-owned car. There is no coverage if you drive a vehicle you own without separate insurance.

When is SR22 Required in Indiana?

In Indiana, the BMV will require you to file SR22 proof if your license is suspended for:

• DUI or implied consent refusal
• Multiple traffic violations
• Failure to pay child support
• Causing an accident without insurance
• Outstanding court fines or fees

You must keep SR22 on file with the BMV for 3 years to 5 years depending on your offense. If you cancel the policy or miss a payment, your license will be suspended again.

How Much Does Non-Owner SR22 Cost in Indiana?

Non-owner SR22 insurance costs $20 to $200 per month on average in Indiana depending on your:

• Age and driving record
• Level of liability coverage
• Insurance company

Here are estimates for a 35-year old with a DUI requiring state minimum coverage:

• Progressive: $43/month
• Geico: $54/month
• Allstate: $81/month
• State Farm: $112/month

Make sure to compare quotes as rates can vary significantly between insurers. Also note that paying monthly costs more over a 6-month policy period.

What Does Non-Owner SR22 Cover in Indiana?

A basic non-owner SR22 policy includes:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability

This satisfies Indiana’s minimum auto insurance requirements. However, it only covers damage or injuries you cause to others, not yourself or the borrowed vehicle.

To get more protection while driving non-owned cars, you can add:

• Uninsured/underinsured motorist (UM/UIM)
• Comprehensive and collision coverage
• Personal injury protection (PIP)
• Rental reimbursement

But this will increase your premium.

Where to Get Non-Owner SR22 Insurance in Indiana

The best companies for non-owner SR22 insurance in Indiana include:

• Progressive – Quick online quotes and filings.
• Geico – Rates as low as $54/month.
• Allstate – Local agents statewide.
• State Farm – Popular with good student discounts.
• AAA Hoosier – Discounts for members.
• Indiana Farm Bureau – Low rates for rural drivers.

When comparing providers, look for an established company with strong financial ratings. Avoid any insurer that offers extremely cheap SR22 coverage, as this may be a red flag for poor service.

How to Get Non-Owner SR22 with Progressive in Indiana

As one of the largest auto insurers in Indiana, Progressive offers some of the most affordable SR22 rates. Here are the steps to get non-owner SR22 insurance with them:

1. Get an online quote at progressive.com for “non-owned auto” coverage.
2. Choose required liability limits and any optional coverage.
3. At checkout, select “This policy will be used to satisfy an SR-22 filing.”
4. Progressive electronically files the SR22 with the Indiana BMV.
5. Make your down payment to activate coverage the same day.

Progressive also allows you to set up automatic SR22 renewal to prevent any lapse in coverage. Overall, they make it fast and convenient to gain compliance and reinstate your license through low-cost non-owner SR22 insurance in Indiana.

Can I Get Non-Owner SR22 Without a Car?

Yes, you can get a non-owner SR22 insurance policy in Indiana even if you do not have a vehicle. This mandatory coverage provides liability protection when driving borrowed cars and proves to the BMV that you are insured.

Major insurers like Progressive allow you to obtain affordable non-owner SR22 insurance online or over the phone. You don’t need to insure or even own a car.

How Long Must You Keep SR22 in Indiana?

If required by the Indiana BMV, you must maintain continuous SR22 coverage for:

• 3 years for a first-time DUI
• 5 years for a repeat DUI
• 3 years for driving without insurance or license suspension
• As long as you have a restricted license

Make sure there are no gaps in coverage during this time or your license will be suspended again. You can contact the BMV or your insurer to verify when you will be released from the SR22 requirement.

Other High-Risk Insurance Options in Indiana

If you own a car, an owner’s SR22 policy will provide liability protection plus coverage for your vehicle with options like:

• Collision and comprehensive coverage
• Rental reimbursement
• Roadside assistance
• Full tort PIP

Be aware that high-risk drivers pay much higher rates – often double or triple standard insurance costs in Indiana. Carefully compare quotes to find the most affordable SR22 and auto insurance for your situation.

The Bottom Line on Non-Owner SR22 in Indiana

Filing an SR22 in Indiana is mandatory after certain violations and license suspensions. Non-owner SR22 provides liability coverage while driving non-owned vehicles and satisfies state requirements.

Major insurers like Progressive offer competitively priced non-owner SR22 insurance starting around $40 per month. Make sure to compare rates as prices can vary between companies. And maintain continuous coverage during your mandated SR22 period to avoid additional license suspension.