Best And Cheapest Non-Owner Car Insurance In Ohio For April, 2024

After thorough research, it’s clear that Kemper stands out as the most affordable and reliable choice for non-owner car insurance in Ohio.

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Doug Schaffer
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I recognize the financial strain associated with car ownership and insurance premiums in Ohio. In many cases, the monthly costs of a car payment and insurance rival housing expenses.

To tackle this issue, an increasing number of Ohio residents are turning to non-owner car insurance. This option is particularly beneficial for those who share vehicles or prefer renting when needed, rather than owning a car outright. Non-owner insurance not only provides financial security but also offers peace of mind.

With 15 years as a licensed insurance agent and over 35 years navigating the car insurance landscape, I’m well-acquainted with the insurers in this region. While each company is reputable, they come with distinct advantages in assisting Ohio residents.

Cheapest Non-Owner Car Insurance In Ohio, 2024

Cheapest Non-Owner Car Insurance, Ohio 2024

Comparison Of The Cheapest Non Owner Car Insurance In Ohio

Overall Rating Best For J.D Power Rating A.M Best Rating Get A Quote
Kemper
4.7

Cheapest Overall

736

A-

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

809

A+

Instant Quote
State Farm
4.9

Overall

826

A++

Instant Quote
Farmers
4.7

Cheapest Non Owner SR-22

810

A-

Instant Quote
Travelers
4.8

Runner-Up

Not Rated

A++

Instant Quote
Scroll to see comparisons

Our Methodology

By conducting a comprehensive examination that delves into customer service, product offerings, pricing, and online reviews, I've crafted a detailed understanding of the non-owner car insurance scene. This well-informed perspective is molded by over 15 years of hands-on experience as a licensed agent, multiple interactions with company representatives, and insights gathered from personal purchases in Ohio.

47

Quotes Analyzed

15+

Years Of Industry Experience

16

Brands Reviewed

40+

Research Hours

The Cheapest Non Owner Car Insurance In Ohio


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

In the realm of budget-conscious choices, Kemper takes the crown as the go-to option for non-owner car insurance in Ohio that won’t dent your wallet. Recognized for serving high-risk drivers, Kemper’s policies extend their reach from corner to corner through independent agents.

While it’s a hometown hero in Ohio for its cheap rates, Kemper does face some scrutiny for not being at the top of the customer satisfaction charts, as per the National Association of Insurance Commissioners. Yet, this hasn’t dimmed Kemper’s spotlight, holding its ground as the 11th largest insurer in the entire U.S.

For those in active-duty military or the National Guard without a personal vehicle, Kemper might just be the golden ticket. Picture this: deployments, military bases, frequently borrowing someone else’s wheels—it aligns seamlessly with Kemper’s offerings.

Living the Ohio life isn’t a walk in the park, especially with its reputation for a wallet-pinching cost of living that spills into the car insurance scene. The chaotic dance of heavy traffic and a swarm of uninsured or underinsured drivers has inflated car ownership and insurance costs to a level that’s practically a mountain to climb for many.

Facing this uphill battle, more Ohioans are at a crossroads: either dodge the whole car ownership drama or embrace the sporadic convenience of a rental. It’s not just about the ease; it’s a financial chess move. Enter affordable non-owner car insurance, a beacon of hope for many Ohio dwellers, allowing them to slice and dice costs on car insurance that might now seem like an outdated tradition.

Benefits & Drawbacks

Benefits
  • Most affordable rates for non-owner insurance in Ohio
  • Option to obtain an SR-22 if needed
  • Robust AM Best financial strength rating
Drawbacks
  • Elevated volume of customer complaints regarding policyholder service
  • Subpar rating for the mobile app

Rates For The Cheapest Non Owner Car Insurance In Ohio

Insurance company Monthly Rate
GEICO $150
Auto-Owners $35
State Farm $135
USAA $90
Erie Insurance $105

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive takes the spotlight as a standout choice for non-owner car insurance in Ohio, particularly if your driving record is squeaky clean. Their non-owner insurance guarantees fundamental liability coverage, protecting you from significant expenses linked to injuries or property damage caused to others in an accident. This coverage neatly aligns with Ohio’s mandate for financial responsibility on all vehicles navigating its roadways.

Securing Progressive non-owner car insurance is a breeze through a network of independent agents, and Progressive directly oversees the service. It’s worth highlighting that Progressive flaunts impressive financial ratings and robust claims-paying ability, assuring you’re in capable hands.

Those with impeccable driving records reap the benefits of lower rates for non-owner car insurance. Their lower risk profile not only earns them incentives for safe driving habits but also gives insurance companies a competitive edge by minimizing financial losses from claims. Maintaining a clean driving record can substantially cut down on your premiums.

Benefits & Drawbacks

Benefits
  • Wide range of coverage options
  • Most competitive rates for good drivers
  • Discounts offered for safe driving practices
Drawbacks
  • Absence of coverage for rental cars
  • Varied customer service reviews
  • Non-owner car insurance is unavailable in all states

Cheapest Non Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Progressive $25
State Farm $170
GEICO $25
Travelers $28
Nationwide $39

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers steps into the spotlight as a standout choice for non-owner car insurance, particularly for those navigating the SR-22 terrain. This form becomes the VIP pass for individuals labeled “high-risk” due to offenses like DUIs or taking a spin without insurance.

What gives Farmers its edge is the bespoke treatment it extends to high-risk drivers. It’s not just about the SR-22; it’s about Farmers being the pit crew for drivers with suspended licenses, ensuring a speedy reinstatement. This commitment to a smooth ride sets Farmers on a different road.

On the financial front, Farmers brings SR-22 Insurance to the table with just a 2% premium compared to regular car insurance. This sweet deal, coupled with a menu of comprehensive coverage, positions Farmers as the savvy choice for Ohio drivers in the SR-22 lane.

Choosing non-owner SR-22 insurance is a smart decision for high-risk drivers without a personal vehicle but occasional driving needs. This insurance offers liability coverage, protecting you from the financial consequences of accidents while driving borrowed or rented cars.

Moreover, it guarantees ongoing insurance coverage, demonstrating financial responsibility and averting potential lapses in your insurance history that could lead to higher future premiums.

Benefits & Drawbacks

Benefits
  • Specialization in catering to high-risk drivers
  • Offering the most affordable rates for non-owner SR-22 coverage
  • Providing comprehensive coverage options
Drawbacks
  • Instances where policyholders reported challenges with claim handling and resolution
  • Elevated rates for high-risk drivers

Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm rises as the prime option for non-owner car insurance in Ohio, combining competitive pricing, extensive coverage choices, and stellar customer service.

While not the absolute cheapest, State Farm delivers competitive rates at $213 per year for a non-owner liability policy. This cost sits notably below the Ohio average of $323 annually. Despite not claiming the title of the most budget-friendly, the real value shines through in the outstanding customer service that sets State Farm apart.

State Farm’s non-owner car insurance doesn’t just stop at competitive rates; it includes crucial liability protection, ensuring coverage in cases of responsibility for bodily injury or property damage. Additionally, if your existing personal auto policy boasts comprehensive coverage with State Farm, that safeguard extends to your rental car, adding an extra layer of security.

The commitment to top-tier customer service further cements State Farm’s spot at the pinnacle. With easy access through their dedicated contact number or phone app, policyholders can expect swift assistance whenever needed.

Selecting a non-owner car insurance policy transcends just looking at the price tag. Beyond the cost, it’s crucial to acknowledge the importance of top-notch customer service. Insurance is more than a financial commitment; it’s about securing peace of mind and having complete support when it’s most crucial.

The capacity of an insurance company to adeptly handle claims, address inquiries, and provide guidance is truly invaluable.

Benefits & Drawbacks

Benefits
  • Pricing competitiveness
  • Offering extensive coverage
  • High levels of customer satisfaction
Drawbacks
  • Absence of comprehensive or collision coverage for non-owner policies
  • Limited availability of discounts
  • Presence of some lower-priced options

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In the realm of non-owner car insurance in Ohio, Travelers takes the spotlight as our top runner-up. This distinction is primarily due to their customized policies and exceptional customer service.

Travelers is renowned for its dedication to superior customer service—an essential factor in choosing an insurance provider. In the unfortunate event of an accident or claim, having an insurer that delivers swift and efficient service, guiding you through the process, is invaluable. Travelers consistently demonstrates this commitment to customer satisfaction, establishing itself as a reliable choice for non-owner car insurance.

To complement its outstanding service, Travelers provides a diverse array of coverage options, including standard liability, collision, and uninsured/underinsured coverage. This comprehensive approach ensures that Travelers offers robust non-owner insurance protection at a pocket-friendly price.

Non-owner car insurance takes the stage primarily for liability protection, handling damages you might cause to others. However, diving into the world of comprehensive and collision coverage unveils a realm of enhanced protection—a strategic move for savvy drivers.

Imagine comprehensive coverage as your shield against non-collision mayhem—think theft, vandalism, or the havoc from natural disasters. It’s like having a guardian against the unexpected, ensuring you don’t face financial surprises in the aftermath.

Now, picture collision coverage stepping into the scene, ready to dance if you find yourself in an accident with another vehicle or some random object, no matter whose fault it is. It’s not just coverage; it’s an extra layer of safety, a personalized safety net tailored to your driving adventures.

Benefits & Drawbacks

Benefits
  • Coverage is comprehensive
  • Customer service is superior
  • Pricing is competitive
Drawbacks
  • Online quotes are not available
  • Discounts are limited
  • Rates are higher for high-risk drivers

Average Cost Of Non Owner Car Insurance In Ohio Cities

These are sample rates for five small cities in Ohio:

City Average Annual Rate
Dexter City $155
Lewisville $170
Rutland $160
Woodsfield $162
Sardis $163

Average Cost Of Non Owner Car Insurance In Ohio

Navigating the realm of non-owner car insurance can be a bit like steering through a bustling city—lots of providers, diverse rates, and decisions to make. Understanding the financial impact of those choices is key to making a savvy decision.

To simplify this journey, we’ve whipped up a comparison chart that acts like a beacon, illuminating the average costs of non-owner car insurance from five standout providers.

Insurer Average Monthly Rate
GEICO $40
Farmers $60
Travelers $39
Progressive $38
Allied $48

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

Much like the rhythm of full coverage car insurance, non-owner car insurance rates dance to a familiar tune. Prices take a peak with teen drivers and then gracefully waltz down until they find their groove around age 55. Here, you’ll find sample rates painting a picture of the cost of non-owner car insurance in Ohio across ten different age groups.

Age Average Annual Rate
16 $890
18 $610
21 $300
25 $220
35 $200
45 $190
55 $185
65 $195
70 $210
75 $230

How To Get Non-Owner Car Insurance In Ohio

Smooth sailing awaits as you embark on securing non-owner car insurance in Ohio. Let’s navigate through these five steps:

Step 1: Discover Your Needs

Before plunging in, shed light on why non-owner car insurance is on your radar. Are you the frequent navigator of rentals or borrowed cars? Or is an SR-22 in the mix for license reinstatement?

Step 2: Gather The Essentials

To unveil the quote magic, share the basics—your name, address, and that golden ticket, your driver’s license number. These nuggets help insurers size up your risk profile and dish out the right premium.

Step 3: Rate Compare

Not all insurers ride the rate range the same way. Take the reins and compare quotes from different providers to corral the best deal.

Step 4: Coverage Choice

Most non-owner policies groove to the rhythm of liability coverage for accident costs. But why stop there? Depending on your needs and the insurer’s playlist, consider adding tracks like uninsured motorist protection or medical payments. Craft a policy that dances to your specific needs.

Step 5: Purchase And Present Proof

Once you’ve made the choice, seal the deal online or over the phone. Your ticket to the insurance show—proof—usually hits your inbox promptly. And if the SR-22 is part of the act, your provider can pull the strings on your behalf.

What Is Non Owner Car Insurance

If you often find yourself behind the wheel of a vehicle that isn’t yours—be it a rental or borrowed from someone—considering non-owner car insurance is a smart move.

Non-owner car insurance primarily serves up liability coverage. If you happen to be in an accident while driving a non-owned vehicle, your non-owner policy steps in to cover the medical and repair expenses of the other party involved.

Some insurers may sweeten the deal with extra options like uninsured/underinsured motorist protection and personal injury protection.

However, it’s essential to note that non-owner insurance usually skips over comprehensive or collision coverage. This means any damage to the vehicle you’re driving might not make the coverage cut.

For individuals who frequently find themselves renting or borrowing vehicles, non-owner car insurance adds an extra layer of security on top of the owner’s coverage. It often proves to be a more budget-friendly option than relying on rental company insurance.

Moreover, having a non-owner policy does more than provide peace of mind; it helps maintain continuous insurance coverage, potentially paving the way for lower premiums when you decide to purchase a car in the future.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

Technically, an SR-22 isn’t playing in the insurance policy league—it’s more of a document for vehicle liability insurance. Most state Department of Motor Vehicles (DMV) offices pull it into the game for those riding the “high-risk” insurance wave.

Your insurance company takes the stage by filing this form, waving it as proof that you’re all geared up with the minimum required liability insurance coverage for your state.

When drivers find themselves on the edge of license suspension due to traffic violations, DUIs, or other serious offenses, this form becomes the superhero in their insurance saga.

Operating as a certificate of financial responsibility, the SR-22 proudly signifies that the driver has snagged the mandated amount of auto liability insurance coverage. Its mission? To shout from the rooftops that an individual is keeping their car insurance liability coverage game strong.

Usually, the SR-22 steps into the limelight when the state or a court order points its finger at those considered high-risk drivers. The insurance company plays courier, sending this form off to the state. And should the policy take a nap at any point, the insurer is on duty to give the state a heads-up.

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

The size of a city plays a crucial role in how insurers calculate car insurance rates. People residing in larger cities with heavier traffic often face higher car insurance premiums.

City Average Annual Rate
Belle Valley $160
Toledo $250
Dayton $205
Columbus $240
Akron $210
Cincinnati $250
Hamilton $236
Cleveland $243
Canton $210
Lorain $200

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

Surprisingly, Ohio’s average annual non-owner car insurance rate of $241 is below the national average of $353. Here are the rates in the 12 most populated states:

State Average Annual Premium
North Carolina $980
Florida $670
New York $575
Michigan $570
Texas $405
Illinois $285
Georgia $370
National Average $353
Pennsylvania $210
California $320
Ohio $195

Should You Get Non-Owner Car Insurance In Ohio?

Non-owner car insurance swoops in for those who tread the road of occasional driving without the baggage of vehicle ownership. In Ohio, it’s not just a policy; it’s a tailored fit for:

Frequent Nomads Of Rental Realms

Picture this: you’re constantly in the driver’s seat of rentals or borrowed wheels. Non-owner insurance becomes your sidekick, saving you from the sticker shock of frequent rental options. While the owner’s insurance might cover a few bumps, having your policy ensures your shield without casting a shadow on the owner’s premium.

City Roamers Embracing The Occasional Drive

In the bustling heart of Ohio, where public transport and rideshares reign, there’s a tribe that occasionally takes the wheel. Urbanites with a penchant for biking or strolling find themselves in the driving seat now and then. Non-owner insurance isn’t just a safety net; it’s the financial armor for those inevitable drives.

Coverage Continuity Champions

Ever noticed insurers raising an eyebrow at coverage gaps? If you’ve bid farewell to your four-wheeled companion and foresee a car-less chapter, a non-owner policy ensures the coverage saga continues. It’s not just a policy; it’s a strategic maneuver, potentially paving the way for premium savings when the car reunion is on the horizon.

What Does Non Owner Car Insurance Cover?

In the realm of non-owner car insurance, the spotlight is on liability coverage—footing the bill for injury or damage to others in an accident. Crucially, it stays clear of covering damages to the vehicle you’re steering; that’s a task for the owner’s insurance.

But wait, there’s more. Some policies step up with optional perks like medical payments or personal injury protection (PIP), holding the fort for your medical expenses post-accident, no matter who’s at fault.

Adding to the menu is uninsured/underinsured motorist protection, standing guard in those moments when the other driver falls short on insurance.

Yet, here’s the fine print: non-owner car insurance gives a pass to comprehensive or collision coverage. So, if the road throws theft, vandalism, natural disasters, or collisions your way, the coverage umbrella typically stays furled.

FAQs

Do you need car insurance if you don’t own a car in Ohio?

Certainly, the realm of car insurance in Ohio demands attention, even for those without a set of wheels to call their own. Enter non-owner car insurance—a solution tailored for those who frequently navigate borrowed or rented vehicles. This policy becomes your guardian, offering liability coverage to shield you in the event of driving-related accidents.

Can I buy auto insurance for someone else’s car in Ohio?

Certainly, venturing into the realm of insuring someone else’s car in Ohio is feasible. However, the path isn’t as straightforward as insuring a vehicle under your ownership. Typically, the insurance journey requires a meaningful link to the car—being a co-owner or frequent driver tends to check the insurer’s boxes. If the ownership tag isn’t yours but the driver’s seat often is, consider the practical embrace of a non-owner car insurance policy.

Who offers the cheapest non owners car insurance in Ohio?

In our exploration, Kemper emerges as the budget-friendly maestro, conducting the most economical symphony for non-owner car insurance in Ohio.

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