Non-Owner Car Insurance in Ohio: The Cheapest Options and What You Need to Know

On average, non-owner car insurance in Ohio costs $341 per year. MoneyGeek compared quotes from different insurers and found GEICO to be the cheapest in the state, costing an annual average of $193. MoneyGeek’s guide provides information about non-owner car insurance in Ohio and how it works.

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Last Updated: 12/3/2021
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Non-owner car insurance in Ohio is a good option if you regularly rent cars, use a car-sharing service or need to have your license reinstated.

The average cost of non-owner car insurance in Ohio is $341 per year for drivers with a clean record. This could go up to around $501 annually for drivers with a serious violation, such as a DUI.

MoneyGeek researched the cost of non-owner car insurance in Ohio from several insurers and explained when you should and shouldn’t consider these policies.

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Cheapest Non-Owner Car Insurance Companies in Ohio

Non-owner car insurance in Ohio is cheaper than a standard policy, but you can still save money by comparing rates from various insurers

Based on MoneyGeek’s research, the cheapest average non-owner car insurance policies in Ohio are from:

  • GEICO: $193 per year
  • State Farm: $216 per year

If you come from a military family, USAA is the cheapest option at an annual average of $126.

Nationwide is the most expensive insurer in Ohio at an average of $551 yearly.

The rates shown are for a 40-year-old driver with non-owner car insurance in Ohio with the limits stated in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Ohio

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $126
    $11
  • GEICO
    $193
    $16
  • State Farm
    $216
    $18
  • Travelers
    $289
    $24
  • Progressive
    $385
    $32
  • Farmers
    $464
    $39
  • MetLife
    $509
    $42
  • Nationwide
    $551
    $46
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How Much Is Non-Owner Car Insurance in Ohio?

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The average cost of non-owner car insurance in Ohio is $341 per year. This is cheaper than a standard policy, which costs an average of $502 annually.

Your premium can also be affected by your driving record. For a driver with a DUI, a non-owner car insurance policy in Ohio costs an average of $501 annually, while a traditional policy costs an average of $786 yearly.

Cheapest SR-22 Non-Owner Car Insurance Companies in Ohio

Non-owner car insurance could be the cheapest option if you don’t own a car, but you need to file an SR-22 to get your license reinstated. You may need to file an SR-22 in Ohio after committing a serious driving violation, such as a DUI.

On average, for drivers with a DUI on record, these two companies offer the cheapest non-owner car insurance in Ohio:

  • State Farm: $216 per year
  • GEICO: $363 per year

If you have a military background, the cheapest non-owner car insurance in Ohio for drivers with a DUI is from USAA at an average of $181 yearly.

MetLife is the most expensive non-owner SR-22 car insurance provider in Ohio, with an average annual price of $1,207.

Cheapest SR-22 Non-Owner Car Insurance Companies in Ohio

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $181
    $15
  • State Farm
    $216
    $18
  • GEICO
    $363
    $30
  • Travelers
    $382
    $32
  • Progressive
    $442
    $37
  • Nationwide
    $551
    $46
  • Farmers
    $665
    $55
  • MetLife
    $1,207
    $101
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Ohio?

Non-owner car insurance is also called non-owner liability car insurance. It’s a great option if you need insurance but don’t own a car.

This policy includes liability insurance and other required car insurance coverages in Ohio. You can also add uninsured and underinsured motorist insurance to your policy.

A non-owner policy does not include comprehensive and collision coverage, also known as full coverage car insurance.

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A non-owner car insurance policy in Ohio needs to meet the following minimum coverage requirements:

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

Who Should Get Non-Owner Car Insurance in Ohio?

A non-owner car insurance policy in Ohio could be the best option for you if:

  • You need your license reinstated: If you’ve committed a severe traffic violation such as a DUI and your license gets suspended, you’ll need proof of insurance to get it reinstated. If you don’t have a car, non-owner car insurance could be the most affordable option.
  • You rent cars regularly or often use a car-sharing service: A non-owner car insurance policy will protect you if you get into an accident while driving a rented car. It is also cheaper than repeatedly buying rental insurance if you rent cars frequently.
  • You temporarily don’t have a car but want to maintain insurance coverage to avoid a coverage lapse: Car insurance companies may consider you riskier to insure if you let your coverage lapse, which often results in higher rates. A non-owner car insurance policy in Ohio is a cheap way to avoid this.

Who Shouldn’t Get Non-Owner Car Insurance in Ohio?

A non-owner car insurance policy is not always necessary in Ohio. For instance, if you live in Columbus and drive a friend’s car with their permission, you will be covered by their insurance policy.

You also don’t need to purchase non-owner car insurance in Ohio if you don’t rent cars regularly. If you’re only renting a vehicle once or twice a year, purchasing insurance directly from the rental company may be sufficient and more cost-effective.

How to Get Non-Owner Car Insurance in Ohio

All the insurance providers listed by MoneyGeek on this page offer non-owner car insurance in Ohio. If you’re looking to purchase a policy, it’s best to contact the insurers directly since they don’t typically provide these quotes online. You can call these insurers using the contact details listed below.

Contact Non-Owner Car Insurance Companies in Ohio
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • State Farm
    800-782-8332
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272
  • Nationwide
    877-669-6877

Frequently Asked Questions About Ohio Non-Owner Car Insurance

Not everyone is familiar with non-owner car insurance policies, and some people may confuse it with standard coverage. Here are answers to some commonly asked questions regarding non-owner car insurance in Ohio to eliminate any confusion.

Methodology

MoneyGeek gathered non-owner car insurance quotes from several insurers across Ohio in collaboration with Quadrant Information Services. The policies were for a 40-year-old driver with both a clean driving record and a DUI. The policies met Ohio’s car insurance requirements, with the exception of liability insurance, which has the following coverages:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional car insurance had the same limits.