Cheapest and Best Non-Owner Car Insurance in Ohio (2024)

Non-owner car insurance is a valuable coverage option for individuals who frequently drive cars but do not own one. It is particularly beneficial for those who borrow, occasionally rent or are transitioning between vehicles. Additionally, if you have a serious violation on your record, non-owner car insurance can help you reinstate your driver's license.

In Ohio, Auto-Owners stands out as the most affordable provider, with average monthly rates of $15 for drivers with clean records and $23 for those with driving violations. The company also balances quality and affordability, making it the top choice for non-owner car insurance in Ohio in terms of overall value and coverage.

Review our analysis of the leading non-owner auto insurance options offered in The Buckeye State.

The following insurers offer the most affordable non-owners car insurance in Ohio:

• Drivers with clean records: Auto-Owners ($15 per month)
• Drivers with traffic violations: Auto-Owners ($23 per month)

For drivers in Ohio, there is an $8 monthly price difference between the least expensive insurer for drivers with a violation on their record and the most affordable insurer for those with a clean driving history.

Ohio residents with clean driving records can find the most affordable non-owner car insurance from the following carriers:

• Auto-Owners: $15 per month
• Progressive: $23 per month

In Ohio, USAA provides the cheapest non-owner car insurance, with an average monthly rate of $14. It's worth mentioning that these policies are specifically offered to veterans, active military personnel and their families. On average, non-owner auto insurance in Ohio typically costs around $44 per month — only $1 more expensive than the national average monthly cost of $43.

The following providers offer the most affordable SR-22 insurance for Ohio motorists with driving offenses on their records:

• Auto-Owners: $23 per month
• GEICO: $39 per month

In Ohio, military members with violations can find the most affordable SR-22 insurance through USAA, with an average price of $21 per month.

If you have a driving offense, such as a DUI or at-fault accident, on your record, you may be required to file an SR-22. This filing can potentially lead to increased insurance rates. Ohio’s most affordable non-owner SR-22 insurance option costs $23 per month, which is $36 cheaper than the national average of $59 per month.

Non-owner car insurance in Ohio provides coverage for property damage and injuries that you may cause to others in accidents where you are at fault. However, it does not extend to damages to your vehicle or offer comprehensive coverage. Please refer to the table below to clarify the difference between non-owner car insurance and a full coverage policy.

In Ohio, the average monthly cost for non-owner car insurance stands at $44, just $1 more than the national average of $43 per month. Your age, vehicle make and model and driving history have a more significant impact on the cost of car insurance than location alone.

According to MoneyGeek's rankings, the best Ohio non-owner car insurance companies are:

• Auto-Owners: MoneyGeek score 78 out of 100 ($15 per month)
• GEICO: MoneyGeek score 75 out of 100 ($26 per month)
• Travelers: MoneyGeek score 75 out of 100 ($30 per month)

When assessing car insurance companies, MoneyGeek considers multiple factors, including customer satisfaction (based on J.D. Power ratings), financial stability (based on AM Best ratings) and affordability. We offer brief summaries of the leading companies to assist you in finding the one that best fits your needs.

If you frequently drive cars that you don't own or need to reinstate your driver's license, you might want to consider non-owner car insurance. This type of insurance is valuable for individuals who borrow or rent vehicles and need coverage while operating them. Consider the following reasons why obtaining non-owners car insurance in Ohio could be ideal for you.

To assist you in selecting the best non-owner car insurance coverage that matches your specific preferences, we have answered several frequently asked questions.