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

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Non-owner auto insurance in Ohio costs $198 per year, which is $155 lower than the rest of the country on average, according to a 2023 rate analysis by Insure.com.

In Ohio, non-owner policies are available from companies such as Erie Insurance, State Farm and Geico.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“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?

Non-owner insurance is usually less expensive than full coverage auto insurance—insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. Full coverage car insurance is $996 in Ohio.

Alternatively, non-owner car insurance is $353 a year on average in the United States and $198 in Ohio.

But actual rates are based on your age and driving history and also where in Ohio you live.

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 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 get the best price. Below you’ll find a list of the cheapest non-owner policies 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 seen as higher risk and are more likely to cause an accident. So older and more experienced drivers usually enjoy lower rates. On average, non-owner insurance costs $869 a year for a 16-year-old and $197 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?

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Ohio.

The 20 Ohio cities with the lowest non-owner auto 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 most populous cities in Ohio have varying non-owner insurance rates. The cost of non-owner insurance in Toledo is the most expensive at $248; Belle Valley has the cheapest rates of the largest cities in the state at $159.

Non-owner auto rates in Ohio’s 10 largest cities

How non-owner insurance rates in Ohio compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Ohio is $198 a year, which is lower than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 a year and Iowa at $193 a year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-ownercar insurance in Ohio

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car 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

Often, you’ll receive proof of insurance very quickly.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are a few insurers with phone 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.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.