Which companies offer the cheapest non-owner car insurance in Ohio?
Auto-Owners has the cheapest non-owner car insurance in Ohio at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $71. Grange Insurance is the second-cheapest insurer at $115 per year, although rates vary significantly between companies.
The table below shows the most affordable non-owner car insurance companies in Ohio.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $71 | $6 |
| Grange Insurance | $115 | $10 |
| Erie Insurance | $215 | $18 |
| Travelers | $314 | $26 |
| Westfield Insurance | $468 | $39 |
| Farmers | $567 | $47 |
What are the best non-owner car insurance companies in Ohio?
The best non-owner car insurance companies in Ohio are Auto-Owners, Erie Insurance, and Grange Insurance, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.
To find the best non-owner car insurance companies in Ohio, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.
The table below compares the top non-owner car insurance companies in Ohio.
| Company | Average annual premium | J.D. Power | NAIC | A.M Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $71 | 654 | 0.44 | A+ | 4.66 |
| Erie Insurance | $215 | 684 | 0.77 | A | 4.34 |
| Grange Insurance | $115 | 650 | 1.26 | A | 3.95 |
| Travelers | $314 | 596 | 0.63 | A++ | 3.65 |
| Westfield Insurance | $468 | 647 | 0.60 | A | 3.62 |
| Farmers | $567 | 623 | 1.24 | A | 2.82 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Ohio.
Auto-Owners
Auto-Owners is our top choice for non-owner car insurance in Ohio. Its average annual non-owner car insurance cost is $71. Auto-Owners has an AM Best score of A+ and a low NAIC complaint ratio of 0.44.
Erie Insurance
Another excellent choice for non-owner car insurance in Ohio is Erie Insurance. Average rates are $215 annually. Erie Insurance has an AM Best rating of A and an NAIC complaint ratio of 0.77.
Grange Insurance
Our third pick is Grange Insurance. Grange Insurance rates average $115. Its NAIC complaint ratio is 1.26, and it has a rating of A.
PEOPLE ASK:
Do I need Ohio non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Ohio
The average cost of non-owner car insurance in Ohio is $291 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.
The average cost of non-owner car insurance will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
Non-owner car insurance in Ohio by age and gender
Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Even in a state that bans the use of age and gender for car insurance rates, like Ohio, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Ohio by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $1,092 | $920 |
| Young Adults (20-24) | $464 | $424 |
| Adults (25-60) | $285 | $290 |
| Seniors (65-75) | $349 | $309 |
Do you need non-owner car insurance in Ohio?
Drivers in Ohio may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
Non-owner vs. traditional car insurance
Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.
For example, non-owner car insurance in Ohio doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.
Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum liability only | $291 |
| Traditional state minimum policy | $475 |
| State minimum car insurance limits | 25/50/25 |
What does Ohio non-owner car insurance cover?
A Ohio non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Ohio, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Ohio
Drivers in Ohio might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
Non-owner car insurance in Ohio costs an average of $291, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.
Be sure to compare your options to find the best non-owner car insurance in Ohio. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.
Methodology
170+ insurance companies analyzed 34,000+ ZIP codes examined $53M insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
FAQ: Non-owner car insurance in Ohio
Do I need non-owner insurance to drive a friend's car in Ohio?
No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.
Can I use non-owner insurance for Uber or delivery driving in Ohio?
No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.
Does non-owner insurance cover rental cars?
Yes. Non-owner insurance provides liability coverage when driving a rental car. However, it does not pay for damage to the rental vehicle itself.
Compare Ohio non-owners car insurance rates with other states
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