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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

CompanyAverage annual premium
Auto-Owners$33
USAA$89
Erie Insurance$100
State Farm$140
Geico$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

AgeMaleFemale
16$1,150$1,070
17$901$841
18$792$739
19$539$501
20$500$461
21$403$372
22$352$329
23$334$315
24$314$301
25$269$272
30$241$241
35$234$238
40$230$234
45$226$228
50$219$220
55$213$212
60$214$213
65$223$224
70$249$246
75$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 rates
Belle Valley$159
Dexter City$160
Summerfield$160
Caldwell$161
Woodsfield$163
Clarington$164
Glouster$164
Langsville$164
Lewisville$165
Port Washington$165
Rutland$165
Sardis$165
Albany$166
Beallsville$166
Beverly$166
Jacksonville$166
Jerusalem$166
New Concord$166
Ottawa$166
Uhrichsville$166

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

Cities in OhioHighest non-owner car insurance rates
Youngstown$258
Cincinnati$253
Cleveland Heights$251
Shaker Heights$250
Whitehall$249
Norwood$248
South Euclid$248
St. Bernard$248
Toledo$248
East Cleveland$246
Columbus$245
Finneytown$244
Campbell$243
Cleveland$242
Brice$241
Bedford$239
Boardman$239
Mayfield Heights$239
Maple Heights$238
Mount 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 rates
Cincinnati$253
Toledo$248
Columbus$245
Cleveland$242
Hamilton$238
Akron$233
Dayton$222
Parma$217
Canton$216
Lorain$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 premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$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:

  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.