Non-Owner Car Insurance in Illinois

Non-owner car insurance rates in Illinois range from $43 to $79 monthly, giving drivers a chance to save $36 by choosing the right provider. GEICO offers the cheapest non-owner policy at $43 per month compared to the priciest option. You'll need to call insurers directly for quotes since online tools aren't available for this coverage type. Six insurers offer non-owner policies in the state, though not all major carriers provide this specialized coverage.

Non-owner insurance is one of the more affordable types of car insurance since it includes only liability coverage for property damage or injuries you cause to others. This liability-only approach meets Illinois's minimum requirements but costs less than traditional policies. Standard car insurance costs more because it includes higher liability limits plus comprehensive and collision coverage that protects your own vehicle.

Across six providers in Illinois, non-owner car insurance rates average $58 per month, which is notably lower than the state's overall average of $73 monthly or $881 annually. This shows there's real potential for savings when you shop around, though actual costs vary based on market data and individual factors.

Several factors affect non-owner car insurance rates in Illinois, though your personal characteristics and choices matter more than state laws.

• Driving history: Your record impacts costs. Drivers with a clean history pay the lowest rates, while those with an accident average $79 monthly and drivers with a DUI pay around $102 per month.
• Driver age and experience: Seniors get the best deal at $51 monthly, while young drivers pay $64 and adults face the highest costs at $68 per month for non-owner coverage.
• Coverage limits: Sticking with minimum liability requirements costs about $73 monthly. Bumping up to higher coverage limits increases your premium to roughly $84 per month.
• Choice of insurer: Rates vary between companies. GEICO offers the most affordable option at $43 monthly, while Progressive charges $79 for similar coverage. It's worth comparing quotes from multiple insurers.

If you frequently borrow cars from friends or rent vehicles but don't own one yourself, non-owner car insurance might be what you need. This liability coverage works for people who drive vehicles they don't own, including those who must file an SR-22 to reinstate their license. The policy meets Illinois's minimum liability requirements of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.

What non-owner insurance doesn't cover is damage to the actual vehicle you're driving. The policy covers injuries and property damage you cause to others when you're behind the wheel. When you borrow someone's car, it provides liability coverage for accidents you cause, and when renting a vehicle, it offers liability protection though it may not cover rental-specific damages.

Non-owner car insurance is completely legitimate in Illinois. The state recognizes it as valid coverage that meets financial responsibility requirements and works for SR-22 filings when you need proof of insurance. You'll find it harder to locate than regular auto insurance since not every company offers non-owner policies, but it's fully legal and accepted throughout the state.

You'll need to call insurance companies directly or work with an agent to get non-owner coverage. Online quote tools don't support these specialized policies, so you won't see this option on insurer websites. MoneyGeek found average rates and phone numbers for insurers who offer policies in Illinois.

Non-owner insurance helps drivers who don't own vehicles but regularly rent or borrow cars, need continuous coverage, or must meet Illinois license requirements.

• Regular car rentals: Rental companies charge $15 to $30 daily for liability coverage, making a non-owner policy cost-effective for frequent renters. Your policy provides consistent protection across all rentals without paying daily fees.
• Frequent vehicle borrowing: When you regularly drive friends' or family members' cars, non-owner insurance protects their rates. Their policy covers accidents you cause, but your non-owner coverage pays claims first, preventing their premiums from increasing.
• License reinstatement: Illinois requires proof of insurance to reinstate suspended licenses. A non-owner policy meets this legal requirement even when you don't own a vehicle.
• Maintaining continuous coverage: Coverage gaps increase future premiums when you eventually buy a car. Non-owner insurance keeps your coverage history intact and prevents rate increases from lapses.

A non-owner policy isn't appropriate for those who:

• Own vehicles (standard auto policies are required)
• Drive infrequently (occasional trips don't justify the cost)
• Have access to household vehicle insurance (get added to that existing policy)
• Need coverage for single trips only (rental company insurance handles one-time needs better)

Illinois drivers often ask these questions about non-owner car insurance:

MoneyGeek gathered Illinois auto insurance rates from the Illinois Department of Insurance and Quadrant Information Services. We analyzed 240 car insurance quotes from six providers and found the state's most affordable and best options.

Coverage Levels

We evaluated non-owner car insurance rates from companies in Illinois at minimum coverage levels. Illinois' minimum coverage consists of:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident

Drivers and Cars in Illinois

We used a standardized driver profile having these characteristics to identify the most affordable and best companies for non-owner car insurance in Illinois:

• 40-year-old male
• Clean driving record
• Good credit history

Learn more about MoneyGeek's car insurance methodology.