Non-Owner SR-22 Insurance

Yes. Indiana allows drivers to obtain an SR-22 filing without owning a vehicle by purchasing a Non-Owner SR-22 insurance policy. This type of policy satisfies Indiana BMV requirements and provides liability coverage when you drive vehicles you do not own. 

In most cases, non-owner SR-22 insurance is cheaper than an owner policy because no vehicle is insured. Since coverage applies only to you as a driver and not to a specific car, premiums are typically lower while still meeting Indiana’s SR-22 filing requirements. 

If a non-owner SR-22 policy lapses or is canceled, the insurance carrier is required to notify the Indiana BMV. This can result in license re-suspension, additional fines, or restarting the SR-22 requirement period. Continuous coverage is critical to remain compliant. 

A non-owner SR-22 policy generally covers you when borrowing or renting vehicles occasionally, but it does not apply to vehicles you own or vehicles that are regularly available to you. Driving a car you own without switching to an owner policy may leave you uninsured and non-compliant. 

Most non-owner SR-22 filings in Indiana are submitted electronically, often the same day coverage begins. Once filed, the Indiana BMV receives confirmation directly from the insurance company, helping eligible drivers move forward with license reinstatement.