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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.

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Cheapest Non-Owner Car Insurance in Ohio

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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Ohio

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

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.

Cheapest Annual Premium
Cheapest Monthly Premium

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State Farm



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The minimum coverage requirements in Ohio for non-owner car insurance align with those for standard car insurance policies, which include the following:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $25,000 for property damage liability

While these limits adhere to the state's mandated coverage levels, they may not provide sufficient protection for every individual. MoneyGeek recommends assessing your own auto insurance coverage requirements before finalizing a policy choice.

Cheapest Non-Owner SR-22 Car Insurance in Ohio

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

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.

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State Farm



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An SR-22 form is not an insurance policy; instead, it's a document that serves as evidence of having the mandatory minimum liability insurance coverage in your state. You may need an SR-22 in Ohio if you have been convicted of a DUI or other driving violations.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Ohio

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Ohio Average Cost

Monthly Premium

On average, non-owner car insurance in Ohio is:$1 more

This is 2% more expensive.

Best Non-Owner Car Insurance in Ohio

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.

MoneyGeek Top Pick
Auto-Owners Insurance

Auto-Owners offers Ohio's best non-owner car insurance thanks to its competitive rates, strong financial stability and exceptional customer service. The insurer also provides a variety of sought-after add-on coverages such as roadside assistance, new car replacement and gap insurance.

These supplementary coverages provide policyholders with added protection and assurance. Moreover, Auto-Owners offers numerous discount options, further enhancing its affordability. These discounts encompass bundling policies, insuring multiple vehicles and maintaining a clean driving record.

Read the full Auto-Owners review.


GEICO stands out in Ohio for its reputation of offering cost-effective auto insurance and a wide array of discounts. GEICO is dedicated to providing convenient online solutions, including a user-friendly mobile app, online calculator, bill payment options and hassle-free claims filing.

The company offers discounts for policyholders who bundle their policies or insure multiple vehicles. Another notable feature is its accident forgiveness add-on, which ensures that your insurance rates remain unaffected after your first at-fault accident.

Read the full GEICO review.

Third Place

Travelers is ranked as the third-best insurer in Ohio. It distinguishes itself through its extensive coverage options, solid financial stability and affordability. However, it may not excel in claims management compared to its competitors.

Travelers provides various discounts, including bundling insurance policies, insuring multiple vehicles, maintaining a safe driving record and opting for paperless billing. Additionally, the insurer offers unique discounts for new vehicle owners, hybrid car drivers, loyal customers and homeowners, setting it apart from others in the industry.

Read the full Travelers review.

Should You Get Non-Owner Car Insurance in Ohio?

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.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    If you frequently rely on borrowing cars from friends or family, obtaining a non-owner car insurance policy can offer you reassurance by ensuring you have coverage in the event of an accident. Non-owner policies typically include liability coverage and personal injury protection and assist in covering your expenses.

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    Occasional renters

    Non-owner car insurance in Ohio is an affordable alternative to acquiring a full coverage policy for individuals who occasionally rent cars. However, it's important to note that non-owner policies do not include collision and comprehensive coverage, typically provided by full-coverage policies.

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    Drivers between cars

    When you no longer own a car but are actively searching for a new one, it is crucial to uphold uninterrupted insurance coverage. This is precisely where a non-owner car insurance policy can prove immensely valuable.

  • driverLicense icon

    License reinstatement seekers

    If your driver's license gets suspended and you're in the process of reinstating it, non-owner car insurance becomes instrumental in fulfilling the legal requirements set by the state. The DMV often mandates that individuals with suspended licenses maintain an active insurance policy, even if they do not own a vehicle.

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Exercise caution when encountering providers offering "one-day insurance" in Ohio, as it is not a legitimate form of insurance and could be a scam. If you require temporary coverage, we advise opting for a safer and more dependable option by purchasing temporary car insurance directly from your car rental company.

Frequently Asked Questions About Non-Owner Car Insurance in Ohio

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

About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.