Auto-Owners offers Ohio's cheapest non-owner car insurance at just $15 monthly, much lower than the state average of $44. Use the table below to compare other budget-friendly options.
Cheapest Non-Owner Car Insurance in Ohio
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Ohio: Key Takeaways
Auto-Owners offers Ohio's most affordable SR-22 non-owner car insurance for those with a driving incident, with an average monthly cost of $23.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet Ohio's minimum coverage requirements.
Consider non-owner insurance if you frequently borrow or rent cars or need to reinstate your license without a traditional policy.
Cheapest Non-Owner Car Insurance in Ohio
| Auto-Owners | $184 | $15 |
| Progressive | $272 | $23 |
| GEICO | $308 | $26 |
| Travelers | $362 | $30 |
| Allied | $448 | $37 |
| Nationwide | $448 | $37 |
| Farmers | $459 | $38 |
| State Farm | $2,138 | $178 |
Cheapest Non-Owner SR-22 Car Insurance in Ohio
Auto-Owners offers Ohio's cheapest SR-22 non-owner policy at just $23 monthly, way below the state average of $62 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $272 | $23 |
| GEICO | $474 | $39 |
| Progressive | $475 | $40 |
| Travelers | $485 | $40 |
| Allied | $543 | $45 |
| Nationwide | $543 | $45 |
| Farmers | $730 | $61 |
| State Farm | $2,421 | $202 |
How Much Is Non-Owner Car Insurance in Ohio?
Ohio's average monthly non-owner car insurance cost is $44, slightly above the national average of $43. For SR-22 coverage, Ohioans pay around $62 per month, compared to $48 nationally. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Ohio Average Cost
Monthly Premium
$44On average, non-owner car insurance in Ohio is:$1 more
This is 2% more expensive.
Ohio Non-Owner Car Insurance: Buyer's Guide
Our guide explains non-owner insurance to help drivers decide if it's the best option, covering how it differs from regular policies, typical costs and who benefits most.
What Is Non-Owner Car Insurance?
If you often drive but don't own a car, non-owner car insurance could be right for you. It covers damage or injuries you may cause while driving. Below, see how non-owner policies compare to standard ones.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Ohio Allow Non-Owner Car Insurance?
Ohio residents who drive but don’t own a car can get non-owner insurance. If you need to file an SR-22, this insurance can be included in your plan, helping you meet state minimum requirements affordably.
OHIO MINIMUM INSURANCE REQUIREMENTS
Ohio's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These minimums may not fully protect you. Consider how much coverage you need beyond the state minimum to ensure adequate protection.
Should You Get Non-Owner Car Insurance in Ohio?
Non-owner car insurance offers coverage for drivers who often rent or borrow a friend's vehicle. It’s an affordable option that provides coverage without the high costs of owning a car.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Ohio, as they may be fraudulent. For temporary coverage, such as during a move or road trip, buying insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance provides coverage when driving someone else's vehicle, protecting against out-of-pocket expenses in case of an at-fault accident.
Occasional renters
Non-owner insurance offers continuous coverage, lowering rental insurance costs and providing peace of mind.
Drivers between cars
Non-owner insurance maintains coverage history for drivers without a vehicle, preventing future rate increases due to coverage lapses.
License reinstatement-seekers
Drivers seeking to reinstate their license after suspension may need proof of insurance. Non-owner policies fulfill this requirement affordably without requiring car ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility is a form your insurer files with your DMV to prove you have the necessary insurance. If you've had a violation like a DUI or driving without insurance, you might need an SR-22 to drive legally.
Cheap Non-Owner Car Insurance in Ohio: Bottom Line
Ohio offers non-owner car insurance for drivers, including those needing SR-22 forms. Auto-Owners is the most affordable option, followed by Progressive and GEICO. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Ohio: FAQ
Get answers to frequently asked questions about non-owner car insurance in Ohio below.
Which company offers the cheapest non-owner car insurance in Ohio?
Auto-Owners offers Ohio's most affordable non-owner car insurance at $15 per month and SR-22 at $23.
How much does non-owners car insurance cost in Ohio?
Ohio's non-owner car insurance costs around $531 annually and $44 monthly. Adding an SR-22 insurance certificate to a non-owner policy increases the annual cost to roughly $743 or $62 monthly.
Ohio Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Ohio auto insurance rates by collecting data from the Ohio Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Ohio using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Ohio
To find the best and most affordable companies for non-owner car insurance in Ohio, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.