Non-Owner Insurance

Non-Owner Car Insurance in Indiana

Don’t own a car but still drive? A non-owner policy gives you liability coverage when you drive a vehicle that isn’t yours.

What is non-owner insurance?

It’s a liability-only policy for people who don’t own a vehicle. If you cause an accident while driving someone else’s car, it can help pay for the other party’s injuries and property damage, up to your limits.

What it doesn’t cover

A non-owner policy generally doesn’t cover damage to the car you’re driving, and it isn’t meant for cars you own or regularly have access to. Rules vary by carrier, so we’ll confirm the details for your situation.

Who it’s for

• Drivers who need an SR-22 but don’t own a vehicle
• People who borrow cars or rent regularly
• Drivers keeping continuous coverage between vehicles, which can help avoid a lapse
• Those reinstating a license who don’t have a car yet

Why it can be a smart move

It’s often more affordable than a full policy, and it keeps your insurance history going while you’re between cars.

Let’s see if it fits

Michaels Insurance has been helping drivers in Northern Indiana and the surrounding communities since 1982.

Tell us how you drive and we’ll tell you if non-owner is the right choice or if another policy makes more sense.

Call us today at (574) 533-4144!

Michaels Insurance
115 S. Main Street
Goshen, Indiana