Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Ohio driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- Non-owner car insurance costs an average of $18 a month in Ohio for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $214 per year—lower than liability-only coverage of $446 for Ohio drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Ohio at an average cost of $3 per month.
Do I need non-owner car insurance in Ohio?
Non-owner car insurance in Ohio is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Ohio
Non-owner car insurance costs $18 a month or $214 per year in Ohio for coverage limits of 25/50/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Ohio
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Ohio, at $3 per month. Other insurers like Grange Insurance and Erie Insurance also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
The table below highlights the cheapest non-owner car insurance companies in Ohio.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Auto-Owners | $36 | $3 |
| Grange Insurance | $53 | $4 |
| Erie Insurance | $120 | $10 |
| Cincinnati Insurance | $126 | $11 |
| Westfield Insurance | $148 | $12 |
| Travelers | $258 | $22 |
| Geico | $361 | $30 |
| Farmers | $439 | $37 |
| Progressive | $499 | $42 |
| USAA* | $97 | $8 |
Non-owner car insurance in Ohio, by age and gender
In Ohio, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $709 a month for insurance, whereas adding a 16-year-old female would cost you around $642 monthly.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Ohio.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $602 | $562 |
| Young Adults (20-24) | $310 | $300 |
| Adults (25-60) | $210 | $214 |
| Seniors (65-75) | $233 | $223 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Ohio cities
In Canton non-owner auto insurance costs $19 per month or $228 annually, while drivers in Parma pay $19 monthly for the same coverage.
Insurance rates vary by city in Ohio. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Ohio city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Canton | $228 | $19 |
| Parma | $231 | $19 |
| Lorain | $232 | $19 |
| Dayton | $234 | $20 |
| Akron | $241 | $20 |
| Hamilton | $248 | $21 |
| Cleveland | $253 | $21 |
| Columbus | $255 | $21 |
| Toledo | $258 | $22 |
| Cincinnati | $260 | $22 |
Affordable non-owner insurance in Ohio, by ZIP code
A 40-year-old Ohio driver living in ZIP 43717 pays $181 a year or $15 per month for non-owner car insurance, whereas insurance rates in the ZIP code 43788 is $182 a year or $15 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Ohio?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Ohio
Non-owner car insurance is a good option in Ohio to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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