Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
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.
CarInsurance.com Insights
- 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 important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
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 can vary depending on factors such as your driving history, age, location and the 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.
The table below highlights the cheapest non-owner car insurance companies 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 |
Non-owner car insurance in Illinois, by age and gender
Non-owner car insurance costs in Illinois vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $886 monthly, whereas if you add a 16-year-old female, you’ll pay $795 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Illinois.
The table below shows how non-owner car insurance rates vary by age and gender in Illinois.
| 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 the average cost of non-owner auto insurance is $23 per month or $274 per year, and Springfield drivers 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.
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 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 is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
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.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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