Cheapest non-owner car insurance companies in Illinois

The cheapest non-owner car insurance in Illinois is from Auto-Owners, with an average rate of $76. The second most affordable option in Illinois is Geico, with an average rate of $161.

The table below shows the most affordable non-owner car insurance companies in Illinois.

CompanyAverage annual premiumAverage monthly premium
Auto-Owners$76$6
Geico$161$13
State Farm$203$17
Country Financial$235$20
Travelers$312$26
Erie Insurance$419$35
Progressive$597$50
USAA$230$19
Data updated in 2024
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Best non-owner car insurance in Illinois

Although Auto-Owners came out on top, Country Financial and State Farm are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Illinois, 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 Illinois.

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
Auto-Owners$768330.50A++3.96
Country Financial$2358280.34A+3.59
State Farm$2038370.70A++3.36
Geico$1618310.91A++3.26
Travelers$3128060.49A++3.24
Erie Insurance$4198440.61A+3.22
Progressive$5978160.65A+2.49
Data updated in 2024
Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Illinois.

Auto-Owners

Auto-Owners is our top choice for non-owner car insurance in Illinois. Its average annual non-owner car insurance cost is $76. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.

Country Financial

Another excellent choice for non-owner car insurance in Illinois is Country Financial. Average rates are $235 annually. Country Financial has an AM Best rating of A+ and an NAIC complaint ratio of 0.34.

State Farm

Our third choice is State Farm, with an average rate of $203. It has an NAIC complaint ratio of 0.7 and an AM Best rating of A++.

Non-owner car insurance in Illinois by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Illinois.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Illinois rates for non-owner car insurance based on age and gender.

Age groupFemaleMale
Teens (16-19)$669$612
Young Adults (20-24)$377$368
Adults (25-60)$282$287
Seniors (65-75)$303$296
Data updated in 2024
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Average annual rates for 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 Illinois 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.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary 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 compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policyTraditional state minimum policyState minimum car insurance limits
$279$42125/50/20
Data updated in 2024
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Average cost of non-owner car insurance in Illinois

The average cost of non-owner car insurance in Illinois is $279, but your rate may differ depending on your driving record, age and the coverage you choose.

The bottom line: Non-owner car insurance in Illinois

Drivers in Illinois 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.

Non-owner car insurance in Illinois costs an average of $279, 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.

Take the time to compare options to find the best non-owner car insurance in Illinois. Use the tool above to easily compare non-owner insurance providers near you.

tip iconExpert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

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