- Cheapest non-owner car insurance companies in Ohio
- Best non-owner car insurance in Ohio
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Ohio
- Non-owner car insurance in Ohio by age and gender
- Non-owner vs. traditional car insurance
- What does Ohio non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Ohio
- Methodology
- Compare Ohio non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Ohio
The cheapest non-owner car insurance in Ohio is from Auto-Owners, with an average rate of $36. The second most affordable option in Ohio is Grange Insurance, with an average rate of $53.
The table below shows the most affordable non-owner car insurance companies in Ohio.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| 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 |
Best non-owner car insurance in Ohio
Although Auto-Owners is the best overall choice, Erie Insurance and Grange Mutual are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Ohio, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Ohio.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $36 | 833 | 0.50 | A++ | 3.98 |
| Erie Insurance | $120 | 844 | 0.61 | A+ | 3.64 |
| Grange Mutual | $53 | 838 | 0.72 | B++ | 3.16 |
| Travelers | $258 | 806 | 0.49 | A++ | 3.14 |
| Westfield Insurance | $148 | 833 | 1.08 | A | 2.73 |
| GEICO | $361 | 831 | 0.91 | A++ | 2.66 |
| Progressive | $499 | 816 | 0.65 | A+ | 2.38 |
| Farmers | $439 | 816 | 0.80 | A | 2.34 |
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 $36. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.
Erie Insurance
Another excellent choice for non-owner car insurance in Ohio is Erie Insurance. Average rates are $120 annually. Erie Insurance has an AM Best rating of A+ and an NAIC complaint ratio of 0.61.
Grange Mutual
Our third recommendation is Grange Mutual, with average rates of $53. It has an NAIC complaint ratio of 0.72 and holds an AM Best rating of B++.
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 $214, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Ohio by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Ohio.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Ohio by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $602 | $562 |
| Young Adults (20-24) | $310 | $300 |
| Adults (25-60) | $210 | $214 |
| Seniors (65-75) | $233 | $223 |
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in Ohio doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
Insurance companies assume that people without a car drive less often, and because non-owner car insurance works as a backup to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $214 |
| Traditional state minimum policy | $362 |
| 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 may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
In Ohio, non-owner car insurance costs an average of $214, with Auto-Owners offering the most affordable rates. Based on our research, Auto-Owners stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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++.
Compare Ohio non-owners car insurance rates with other states
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