Non-owner car insurance in Ohio: Which company has the cheapest rates?

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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

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

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

The 20 Ohio cities with the highest non-owner auto insurance rates

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

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

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:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. 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.