Non-owner car insurance in Illinois: Which company has the cheapest rates?

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Non-owner car insurance in Illinois costs $286 a year, which is $67 lower than the rest of the nation on average, according to Insure.com’s rate analysis.

In Illinois, non-owner policies are available from companies such as USAA, Mercury Insurance and Geico.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Illinois.

How much does non-owner car insurance cost in Illinois?

Insurance companies consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually cheaper to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 annually for a 100/300/100 full coverage insurance policy — $100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Illinois, full coverage car insurance costs $1,384.

On the other hand, non-owner car insurance costs $353 a year on average in the United States and $286 in Illinois.

But various factors affect individual rates, such as where in Illinois you live, your age, driving history, and other factors.

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Which insurer offers the cheapest non-owner insurance rates in Illinois?

Auto-Owners offers Illinois’ least expensive non-owner insurance policy at $69 a year.

At $491 a year, Nationwide charges the highest rate for non-owner insurance in the state.

Experts recommend comparing quotes from many insurance companies to find the best rate. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Illinois

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Illinois by age?

Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Illinois non-owner insurance costs, on average, $1,183 a year for a 16-year-old, while it’s $289 for a 45-year-old driver.

Average non-owner car insurance rates in Illinois by age and gender

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Which Illinois cities have the cheapest non-owner auto insurance?

It’s common for rates to vary significantly from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions, and vandalism in different U.S. cities.

Below are the cheapest and most expensive cities for non-owner car insurance in Illinois.

The 20 Illinois cities with the lowest non-owner auto insurance rates

The 20 Illinois cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Illinois’ 10 biggest cities?

The most populous cities in Illinois have varying non-owner insurance rates. The cost of non-owner insurance in Chicago is the highest at $408. St. Elmo has the least expensive rates of the largest cities in the state at $232.

Non-owner car rates in Illinois’s 10 largest cities

How non-owner insurance rates in Illinois compare to rates in other states

Non-owner car insurance rates also differ from state to state. Illinois’ average non-owner insurance rate is $286 annually, lower than the $353 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Iowa is the third most affordable at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

What does non-owner auto insurance cover? 

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California. 

 An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.  

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Illinois

You need your driver’s license number and a credit or debit card to get a non-owner policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly.

You’ll need to call your insurer for a non-owner insurance policy rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer credit service and consulting company.

Here are a few insurers with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.