Car Insurance Non-owner car insurance in Ohio: Which company has the cheapest rates? The best non-owner insurance rates in Ohio are available from Auto-Owners and USAA. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 14, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance costs an average of $230 per year in Ohio, which is $150 lower than the average nationally, according to an Insure.com 2023 rate analysis. In Ohio, non-owner policies are available from companies such as Erie Insurance, State Farm and Geico. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Ohio. How much does non-owner auto insurance cost in Ohio? It’s usually less expensive to buy a non-owner insurance policy than full coverage car insurance because insurers consider non-owner policyholders less risky due to their minimal access to a car. In the United States, it costs an average of $1,682 per year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This rate is based on drivers with a clean driving record and good credit score. In Ohio, the cost of full coverage car insurance is $996. Meanwhile, non-owner auto insurance costs $230 in Ohio and $380 on average in the U.S. Rates are based on various factors, such as how old you are, your chosen insurance company and your driving history. Which insurer offers the cheapest non-owner insurance rates in Ohio? With an average annual cost of $33, Auto-Owners’ non-owner insurance policy is Ohio’s most affordable. At $401 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state. A good rule of thumb is to compare quotes from many different insurance companies to identify the best price. Below you’ll find a list of the cheapest non-owner policies that are offered in Ohio Cheapest non-owner insurance rates in Ohio CompanyAverage annual premiumAuto-Owners$33USAA$89Erie Insurance$100State Farm$140Geico$156 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Ohio by age? Age plays an important role in pricing because young people who haven’t been driving for a long time are deemed riskier and as more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $1,110 a year for a 16-year-old and $227 for a 45-year-old in Ohio. Average non-owner car insurance rates in Ohio by age and gender AgeMaleFemale16$1,150$1,07017$901$84118$792$73919$539$50120$500$46121$403$37222$352$32923$334$31524$314$30125$269$27230$241$24135$234$23840$230$23445$226$22850$219$22055$213$21260$214$21365$223$22470$249$24675$272$269 Which Ohio cities have the cheapest non-owner car insurance? From city to city, rates vary. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States. Below are the cheapest and most expensive cities for non-owner car insurance in Ohio. The 20 Ohio cities with the lowest non-owner car insurance rates Cities in OhioLowest non-owner car insurance ratesBelle Valley$159Dexter City$160Summerfield$160Caldwell$161Woodsfield$163Clarington$164Glouster$164Langsville$164Lewisville$165Port Washington$165Rutland$165Sardis$165Albany$166Beallsville$166Beverly$166Jacksonville$166Jerusalem$166New Concord$166Ottawa$166Uhrichsville$166 The 20 Ohio cities with the highest non-owner auto insurance rates Cities in OhioHighest non-owner car insurance ratesYoungstown$258Cincinnati$253Cleveland Heights$251Shaker Heights$250Whitehall$249Norwood$248South Euclid$248St. Bernard$248Toledo$248East Cleveland$246Columbus$245Finneytown$244Campbell$243Cleveland$242Brice$241Bedford$239Boardman$239Mayfield Heights$239Maple Heights$238Mount Saint Joseph$238 How much is non-owner car insurance in Ohio’s 10 biggest cities? The largest cities in Ohio sometimes have varying non-owner insurance rates. The non-owner insurance price in Cincinnati is the highest at $253, whereas Lorain has the cheapest prices among the state’s largest cities at $213. Non-owner auto rates in Ohio’s 10 largest cities 10 largest cities in OhioNon-owner car ratesCincinnati$253Toledo$248Columbus$245Cleveland$242Hamilton$238Akron$233Dayton$222Parma$217Canton$216Lorain$213 How non-owner insurance rates in Ohio compare to rates in other states The rates for non-owner auto insurance vary from state to state. The average non-owner insurance rate in Ohio is $230, which is lower than the national average of $380. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Ohio Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a quote on a non-owner insurance policy, don’t go online and call your insurer instead. “The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can] shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance. Here are a few insurers with contact numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033. USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Ohio? Which insurer offers the cheapest non-owner insurance rates in Ohio? How much is non-owner car insurance in Ohio by age? Which Ohio cities have the cheapest non-owner car insurance? How much is non-owner car insurance in Ohio's 10 biggest cities? How non-owner insurance rates in Ohio compare to rates in other states How to get non-owner car insurance in Ohio Get instant quotes now ! Please enter valid zip Get quote