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 generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Ohio
Ohio drivers can expect to pay an average of $18 per month or $214 annually for non-owner car insurance with a coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
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 may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Ohio, by age and gender
Non-owner car insurance costs in Ohio vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $709 monthly, whereas if you add a 16-year-old female, you’ll pay $642 per month, based on CarInsurance.com’s analysis.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Ohio.
The table below shows how non-owner car insurance rates vary by age and gender in Ohio.
| 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 the average cost of non-owner auto insurance is $19 per month or $228 per year, and Parma drivers pay $19 a month 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.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Ohio generally pay higher insurance premiums, 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
In Ohio, a 40-year-old driver living in ZIP code 43717 pays $181 a year or $15 per month for non-owner insurance, while the coverage costs $182 a year or $15 per month for a driver in ZIP code 43788 with a clean driving record.
When should you consider buying non-owner car insurance in Ohio?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
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.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Ohio
Non-owner car insurance in Ohio is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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.
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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