Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Illinois driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
- Non-owner car insurance costs an average of $23 a month in Illinois for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $279 per year—lower than liability-only coverage of $471 for Illinois drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Illinois at an average cost of $6 per month.
Do I need non-owner car insurance in Illinois?
Non-owner car insurance in Illinois is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Illinois
Non-owner car insurance costs an average of $23 a month and $279 per year in Illinois for the coverage limit of 25/50/20.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Illinois
Auto-Owners offers the cheapest non-owner car insurance rates in Illinois at an average cost of $6 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Geico and State Farm also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in Illinois in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Illinois, by age and gender
In Illinois, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $886 a month for insurance, whereas adding a 16-year-old female would cost you around $795 monthly.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Illinois.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $669 | $612 |
| Young Adults (20-24) | $377 | $368 |
| Adults (25-60) | $282 | $287 |
| Seniors (65-75) | $303 | $296 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Illinois cities
In Champaign non-owner auto insurance costs $23 per month or $274 annually, while drivers in Springfield pay $23 monthly for the same coverage.
In Illinois, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Illinois generally pay higher insurance premiums, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Champaign | $274 | $23 |
| Springfield | $277 | $23 |
| Peoria | $283 | $24 |
| Rockford | $292 | $24 |
| Naperville | $311 | $26 |
| Elgin | $312 | $26 |
| Aurora | $315 | $26 |
| Waukegan | $319 | $27 |
| Joliet | $321 | $27 |
| Chicago | $367 | $31 |
Affordable non-owner insurance in Illinois, by ZIP code
A Illinois driver aged 40 living in ZIP code 62839 pays $238 annually or $20 monthly for non-owner car insurance, while a 40-year-old in ZIP code 62479 with a clean driving record pays $239 per year or $20 per month.
When should you consider buying non-owner car insurance in Illinois?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Illinois
Non-owner car insurance is a good option in Illinois to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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