Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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.
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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.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Illinois
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Illinois, at $6 per month. Other insurers like Geico and State Farm also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
Below is a table showing the cheapest companies for non-owner car insurance in Illinois.
| 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
Non-owner auto insurance cost in Champaign is $23 a month or $274 a year, whereas drivers in Springfield pay $23 a month 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.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Illinois city can lead to higher insurance rates overall, including non-owner car insurance.
See the table below for the cost of non-owner car insurance in 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 40-year-old Illinois driver living in ZIP 62839 pays $238 a year or $20 per month for non-owner car insurance, whereas insurance rates in the ZIP code 62479 is $239 a year or $20 per month for a driver age with a clean driving record.
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.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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 an excellent choice in Illinois if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
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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