- Cheapest non-owner car insurance companies in Illinois
- Best non-owner car insurance in Illinois
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Illinois
- Non-owner car insurance in Illinois by age and gender
- Non-owner vs. traditional car insurance
- What does Illinois non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Illinois
- Methodology
- Compare Illinois non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Illinois
The cheapest non-owner car insurer in Illinois is Auto-Owners, with rates averaging $76. The second cheapest Illinois non-owner insurer is GEICO. Average rates are $161.
| Company | Average annual premium | Average 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 |
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.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $76 | 833 | 0.50 | A++ | 3.96 |
| Country Financial | $235 | 828 | 0.34 | A+ | 3.59 |
| State Farm | $203 | 837 | 0.70 | A++ | 3.36 |
| GEICO | $161 | 831 | 0.91 | A++ | 3.26 |
| Travelers | $312 | 806 | 0.49 | A++ | 3.24 |
| Erie Insurance | $419 | 844 | 0.61 | A+ | 3.22 |
| Progressive | $597 | 816 | 0.65 | A+ | 2.49 |
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
Country Financial is another great option for non-owner car insurance in Illinois, with average rates of $235 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.34.
State Farm
Our third recommendation is State Farm, with average rates of $203. It has an NAIC complaint ratio of 0.7 and holds an AM Best rating of A++.
PEOPLE ASK:
Do I need Illinois 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 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.
Non-owner car insurance in Illinois 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 Illinois.
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 Illinois by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $669 | $612 |
| Young Adults (20-24) | $377 | $368 |
| Adults (25-60) | $282 | $287 |
| Seniors (65-75) | $303 | $296 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Illinois won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $279 |
| Traditional state minimum policy | $421 |
| State minimum car insurance limits | 25/50/20 |
What does Illinois non-owner car insurance cover?
A Illinois non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Illinois, 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 Illinois
Drivers in Illinois might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.
Non-owners car insurance averages $279 in Illinois, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.
Shop around to find the best Illinois non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.
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 Illinois non-owners car insurance rates with other states
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