Non-owner car insurance in Illinois: Best and cheapest companies

Cheapest non-owner car insurance companies in Illinois

Auto-Owners offers the most affordable non-owner car insurance in Illinois, with rates averaging $76. The second cheapest Illinois non-owner insurer is Geico. Average rates are $161.

Compare the cheapest non-owner car insurance companies in Illinois below.

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

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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.

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

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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

Our number one pick for non-owner car insurance in Illinois is Auto-Owners. The average rate for liability coverage is $76. Auto-Owners has an AM Best score of A++ and an 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 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++.

PEOPLE ASK:

Do I need Illinois non-owner car insurance to drive a friend's car?

Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Illinois

The average cost of non-owner car insurance in Illinois is $279, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Illinois by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Illinois.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Illinois non-owner car insurance rates 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

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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 policy	$279
Traditional state minimum policy	$421
State minimum car insurance limits	25/50/20

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What does Illinois non-owner car insurance cover?

A Illinois non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Illinois minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

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-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.

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.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.