Which companies offer the cheapest non-owner car insurance in Illinois?
The cheapest non-owner car insurance company in Illinois is Auto-Owners, with average annual rates of $124, followed by Travelers at $375. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.
Compare the cheapest non-owner car insurance companies in Illinois below.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $124 | $10 |
| Travelers | $375 | $31 |
| GEICO | $476 | $40 |
| Erie Insurance | $656 | $55 |
| Progressive | $666 | $55 |
| Nationwide | $836 | $70 |
What are the best non-owner car insurance companies in Illinois?
The best non-owner car insurance companies in Illinois are Auto-Owners, GEICO, and Travelers, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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 | A.M Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $124 | 654 | 0.44 | A+ | 4.66 |
| GEICO | $476 | 651 | 0.60 | A++ | 3.83 |
| Travelers | $375 | 596 | 0.63 | A++ | 3.51 |
| Erie Insurance | $656 | 684 | 0.77 | A | 3.35 |
| Progressive | $666 | 634 | 0.60 | A+ | 3.25 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Illinois.
Auto-Owners
Our top choice for non-owner car insurance in Illinois is Auto-Owners, with an average rate of $124 for liability coverage. Auto-Owners holds an AM Best rating of A+ and has an NAIC complaint ratio of 0.44.
GEICO
Another excellent choice for non-owner car insurance in Illinois is GEICO. Average rates are $476 annually. GEICO has an AM Best rating of A++ and an NAIC complaint ratio of 0.60.
Travelers
Our third recommendation is Travelers, with average rates of $375. It has an NAIC complaint ratio of 0.63 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.
How much does non-owner car insurance cost in Illinois?
The average cost of non-owner car insurance in Illinois is $518 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits
Your rate will vary based on:
- Your driving record
- The coverage levels on your policy
- Your ZIP code
Non-owner car insurance in Illinois by age and gender
Younger drivers often pay more because they have less driving experience and higher accident rates. Rates often decrease after age 25 and stay lower through middle age.
How it works:
- Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
- Rates start to level out around the age of 25 and continue to drop
- Drivers in their 50s pay the lowest average rates
- After 65, rates increase, but not dramatically
Even in a state that bans the use of age and gender for car insurance rates, like Illinois, your years of driving experience will still impact what you pay.
Below are the average non-owner car insurance rates in Illinois by age and gender.
| Age group | Male | Female |
|---|---|---|
| Teens (16-19) | $1,558 | $1,459 |
| Young Adults (20-24) | $750 | $764 |
| Adults (25-60) | $522 | $544 |
| Seniors (65-75) | $564 | $546 |
Do you need non-owner car insurance in Illinois?
Drivers in Illinois may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.
You may need non-owner car insurance if:
- You frequently drive cars owned by others and want an extra layer of protection
- You frequently rent cars
- You need insurance to file an SR-22 in order to reinstate your license
- You want to prevent a lapse in coverage while in between cars
You don't need a non-owner policy if:
- You own and insure your own vehicle
- You only drive cars owned by others occasionally
- You drive a company car for which insurance is provided by your employer
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.
Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum liability only | $518 |
| Traditional state minimum policy | $527 |
| 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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.
Non-owner car insurance in Illinois costs an average of $518 per year. Auto-Owners offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $124. Based on our analysis of rates, complaint data and financial strength, Auto-Owners is the best overall insurer for non-owner coverage in Illinois.
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++.
FAQ: Non-owner car insurance in Illinois
Do I need non-owner insurance to drive a friend's car in Illinois?
No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.
Can I use non-owner insurance for Uber or delivery driving in Illinois?
No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.
Does non-owner insurance cover rental cars?
Yes. Non-owner insurance provides liability coverage when driving a rental car. However, it does not pay for damage to the rental vehicle itself.
Compare Illinois non-owners car insurance rates with other states
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