Cheap Non-Owner Car Insurance In Ohio 2024

Non-owner car insurance provides coverage for people who don’t own a car, but instead rent or borrow vehicles from time to time. Non-owner car insurance is also particularly helpful for drivers in Ohio who have a driving violation on their record, as it can help them to reinstate their license.

With 15 years in the insurance industry and over 35 years buying car insurance, I’m familiar with all the companies listed and have been a customer of several. While all are reliable, each has its own strengths when catering to Ohio residents.

What Is Non-Owner Car Insurance?

If you often drive cars that belong to others, whether they’re rentals or vehicles borrowed from friends or family, you might want to look into non-owner car insurance.

This insurance mainly offers liability coverage. Should you be at fault in an accident while using a vehicle that isn’t yours, your non-owner policy can help pay for the medical and repair expenses of the other party involved.

Some insurers may provide additional options like uninsured/underinsured motorist protection and personal injury protection.

It’s crucial to keep in mind that non-owner insurance generally does not cover comprehensive or collision damage. This means that any harm to the vehicle you’re driving may not be included in your coverage.

For individuals who frequently rent cars or borrow from others, non-owner car insurance can provide valuable protection. It offers an additional layer of security in addition to whatever coverage the vehicle’s owner has.

Often, it can be more economical than always purchasing rental insurance.

Additionally, having a non-owner policy helps maintain continuous coverage, which could result in lower premiums if you decide to buy a car down the line.

Average Cost Of Non-Owner Car Insurance In Ohio

The realm of non-owner car insurance can feel complex due to the various providers and diverse rates available. Making a knowledgeable choice is crucial, especially regarding cost considerations.

To support you in this endeavor, we have developed a comparison chart that outlines the average prices of non-owner car insurance from five major companies.

How Much Is Non-Owner Car Insurance In Ohio – By Age?

Similar to full coverage car insurance, the cost of non-owner car insurance is most expensive for teenage drivers, decreasing steadily each year until the age of 55.

Here are sample rates for non-owner car insurance in Ohio for ten different ages.

What Is SR-22 Insurance?

It’s important to note that an SR-22 is not an insurance policy; rather, it is a vehicle liability insurance document required by most state DMVs for “high-risk” insurance policies.

This document, submitted by your insurance company, provides proof that you meet the minimum liability insurance coverage mandated by your state.

Drivers often need it after having their licenses suspended due to traffic violations, DUIs, or other serious infractions.

The SR-22 serves as a certificate of financial responsibility, indicating that the driver has the necessary auto liability insurance coverage. Its main purpose is to confirm that individuals are maintaining the required level of liability insurance.

This form is usually mandated by the state or through court orders, particularly for high-risk drivers. The insurance provider files the form with the state, and if the policy ever lapses, the insurer is required to inform the state.

Should You Get Non-Owner Car Insurance In Ohio?

Non-owner car insurance is specifically designed for individuals who don’t possess a car but still find themselves driving occasionally. This type of policy provides liability coverage if you happen to cause an accident while operating a rented or borrowed vehicle.

In Ohio, several categories of people might benefit from purchasing non-owner car insurance.

Frequent Nomads Of Rental Realms

For those who frequently rent vehicles or borrow cars from friends or family, non-owner car insurance is worth considering. Although rental companies provide insurance options, they can become pricey with regular rentals.

Moreover, while the owner’s insurance might cover some accidents, having your own policy ensures your protection without affecting their premium rates.

City Roamers Embracing The Occasional Drive

Many residents of Ohio rely on public transit or rideshare options for their daily commutes, driving only occasionally. You may identify with this if you live in an urban area with excellent public transportation or if you mostly prefer biking or walking.

Nevertheless, there may be moments when driving is unavoidable. In those cases, having non-owner insurance can give you the financial security you need.

Coverage Continuity Champions

Many insurance providers consider drivers with gaps in coverage to be high-risk, which can lead to higher rates when you decide to buy a vehicle. If you’ve sold your car and will be without one for a while, a non-owner policy allows you to keep your insurance history intact. This can be particularly advantageous when you eventually purchase a car and need standard insurance.

Minimum Car Insurance Requirements in Ohio

According to the Ohio Department Of Insurance, the minimum coverage requirements are 25/50/25, which includes:

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

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance primarily offers liability protection, covering expenses for bodily injury or property damage you may cause to others in an accident. It’s crucial to note that this type of insurance does not include coverage for the vehicle you’re using; that responsibility falls under the owner’s policy.

Some non-owner policies may also provide optional features like medical payments or personal injury protection (PIP), which cover your medical costs after an accident, regardless of who is at fault. Another optional benefit is uninsured/underinsured motorist protection, which protects you if you’re in a crash with someone who has inadequate insurance.

However, remember that non-owner car insurance does not cover comprehensive or collision damages, so issues like theft, vandalism, or accident-related damages to the vehicle are typically excluded.

Average Cost Of Non-Owner Car Insurance In Ohio – By City

Here are the standard fees for five lesser-known cities in Ohio.

How Much Is Non-Owner Car Insurance In Ohio’s 10 Biggest Cities?

Car insurance costs are influenced by the size of a city, with larger cities and busier traffic leading to higher premiums.

How Non-Owner Insurance Rates In Ohio Compare To Rates In Other States

Ohio’s average yearly cost for non-owner car insurance, at $200, is surprisingly less than the national average of $353. Non-owner rates in the 12 most populated states: