Auto-Owners offers the cheapest non-owner car insurance in Illinois for those with clean records at just $20 monthly, below the state average of $30. The table below compares other affordable options.
Cheapest Non-Owner Car Insurance in Illinois
Updated: January 30, 2025
Advertising & Editorial Disclosure
Best Cheap Non-Owner Car Insurance in Illinois: Key Takeaways
Auto-Owners offers the most affordable SR-22 non-owner car insurance in Illinois for those with a driving incident, averaging $27 per month.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet Illinois' minimum coverage requirements.
Consider non-owner insurance if you frequently borrow cars, rent vehicles often or need to reinstate your license but can't afford traditional policies.
Cheapest Non-Owner Car Insurance in Illinois
| Auto-Owners | $245 | $20 |
| GEICO | $301 | $25 |
| State Farm | $338 | $28 |
| Travelers | $431 | $36 |
| Progressive | $473 | $39 |
Cheapest Non-Owner SR-22 Car Insurance in Illinois
Auto-Owners is the most affordable SR-22 non-owner insurance option in Illinois, with a monthly rate of just $27, below the state average of $39 for minimum coverage. Explore the table below for other cost-effective options.
| Auto-Owners | $319 | $27 |
| State Farm | $383 | $32 |
| GEICO | $418 | $35 |
| Travelers | $596 | $50 |
| Progressive | $646 | $54 |
How Much Is Non-Owner Car Insurance in Illinois?
In Illinois, non-owner car insurance costs an average of $30 monthly, less than the national average of $43. SR-22 insurance averages $39, while the national average is $48. Your premium may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Illinois Average Cost
Monthly Premium
$30Non-owner car insurance in Illinois is cheap:$13 saved
This is 30% less expensive.
Illinois Non-Owner Car Insurance: Buyer's Guide
We’ve created a guide to help drivers decide if non-owner insurance suits them. It explains what it covers, how it differs from regular policies, who benefits from it and what its costs are in Illinois.
What Is Non-Owner Car Insurance?
Non-owner insurance is a good option if you drive often but don’t own a car. It covers costs if you cause an accident, protecting you from large bills. Our guide compares standard and non-owner policies to help you understand the differences.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Illinois Allow Non-Owner Car Insurance?
Illinois permits non-owner car insurance for drivers without a vehicle but needing coverage. If you're required to file an SR-22, affordable plans are available to meet state minimum requirements.
ILLINOIS MINIMUM INSURANCE REQUIREMENTS
Illinois' minimum coverage requirements apply to non-owner car insurance as well. The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
While these are the state minimums, they may not be enough for everyone. Evaluate how much coverage you need before purchasing a policy to ensure adequate protection.
Should You Get Non-Owner Car Insurance in Illinois?
Non-owner insurance provides financial protection for people who drive but don’t own a car. It covers costs if they cause damage or injury while driving. It’s ideal for those who frequently rent or borrow cars and ensures they meet state minimum insurance requirements.
AVOID ONE-DAY CAR INSURANCE
Be cautious of "one-day insurance" offers in Illinois, as they are illegitimate and may indicate fraud. Consider purchasing insurance through a car rental company for safer temporary coverage, especially for short-term needs like moving or road trips.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Car borrowers may need non-owner insurance to protect themselves financially when driving a vehicle they don't own, especially if the owner's policy doesn't cover them.
Occasional renters
A non-owner policy is an affordable alternative to rental company insurance, providing coverage for multiple rentals over time.
Drivers between cars
Non-owner insurance allows drivers between cars to maintain continuous coverage, preventing future premiums from increasing due to a lapse in coverage.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may be required to show proof of insurance, and a non-owner policy can fulfill this requirement.
WHAT IS SR-22 INSURANCE?
An SR-22, also a Certificate of Financial Responsibility (CFR), is a form your insurance company sends to the DMV to prove you have the state minimum coverage. Drivers may need an SR-22 after certain incidents, like a DUI or driving without insurance, to keep or regain their driving privileges.
Cheap Non-Owner Car Insurance in Illinois: Bottom Line
Illinois drivers, including those needing SR-22 forms, can access non-owner car insurance. Auto-Owners offers the most affordable option, with GEICO and State Farm providing competitive rates. Compare quotes from multiple providers to find the best deal.
Non-Owner Car Insurance in Illinois: FAQ
Find answers to common questions about non-owner car insurance in Illinois below.
Which company offers the cheapest non-owner car insurance in Illinois?
Auto-Owners offers the most affordable non-owner car insurance in Illinois at $20 monthly. It also provides the cheapest SR-22 rate at $27.
How much does non-owners car insurance cost in Illinois?
In Illinois, non-owner car insurance costs around $357 annually or $30 monthly for a clean driving record. An SR-22 certificate typically costs $472 annually or $39 monthly.
Illinois Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Illinois auto insurance rates by collecting data from the Illinois Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Illinois using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Drivers and Cars in Illinois
To find the best and most affordable companies for non-owner car insurance in Illinois, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.