Car Insurance Non-owner car insurance in Illinois: Which company has the cheapest rates? The average cost in Illinois for a non-owner car insurance policy is $385 a year, but Auto-Owners and State Farm offer lower rates. Written by: Leslie Kasperowicz and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on March 3, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Illinois costs $385 a year, which is $5 more than the national average, according to a 2023 rate analysis by Insure.com. Many companies offer these policies in Illinois, 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. In addition to understanding the various requirements, it’s important to learn 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 regard non-owner policyholders as less of a risk due to their limited access to a car and, therefore, it’s usually less expensive to buy a non-owner insurance policy than regular car insurance. On average in the U.S., it’s $1,682 per year for a 100/300/100 full coverage insurance policy for drivers with a good credit score and a clean driving record. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Illinois, it costs $1,384. On the other hand, non-owner auto insurance costs $385 in Illinois and $380 on average in the U.S. by comparison. But various factors affect individual rates, such as how old you are, your chosen insurance company and your driving history. Which insurer offers the cheapest non-owner insurance rates in Illinois? Illinois’ least expensive non-owner insurance policy is offered by Auto-Owners at $69 a year. At $491, Nationwide charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Illinois are listed below. Cheapest non-owner insurance rates in Illinois CompanyAverage annual premiumAuto-Owners$69State Farm$174USAA$204Mercury Insurance$210Geico$251 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 also an important factor when it comes to pricing. Statistically, 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. In Illinois, a 45-year-old will pay $386 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,971 on average. Average non-owner auto insurance rates in Illinois by age and gender AgeMaleFemale16$2,027$1,91417$1,473$1,39218$1,361$1,28719$934$87420$866$80821$740$68922$631$59823$599$57524$568$55625$467$47330$398$41435$388$40740$385$39845$380$39150$367$37855$359$36660$359$36465$368$38270$406$41875$446$456 Which Illinois cities have the cheapest non-owner auto insurance? There’s a great deal of variation from city to city when it comes to rates. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates. Below are tables showing which cities in Illinois have the lowest and highest non-owner car insurance rates. The 20 Illinois cities with the lowest non-owner car insurance rates Cities in IllinoisLowest non-owner car insurance ratesAvena$232Hurricane$234Martinsville$234Montrose$234Brownstown$235Anderson$236Brocton$236Kansas$236Vandalia$236Westfield$236Beecher City$237Casey$237Dennison$237Edgewood$237Marshall$237Toledo$237Dieterich$238Greenup$238Jewett$238Oakland$238 The 20 Illinois cities with the highest non-owner car insurance rates Cities in IllinoisHighest non-owner car insurance ratesSkokie$421Lincolnwood$417Dolton$415Harvey$415Calumet City$413Riverdale$412South Suburban$411Posen$409Robbins$409Alsip$408Blue Island$408Chicago$408Elmwood Park$408Norridge$403Cicero$402Morton Grove$391Oak Park$390Evergreen Park$389Niles$389Park Ridge$388 How much is non-owner auto insurance in Illinois’ 10 biggest cities? The most populous cities in Illinois sometimes have rates that are significantly different. The non-owner insurance price in Chicago is the most expensive at $408. Champaign has the least expensive rates among the state’s most populous cities at $270. Non-owner car rates in Illinois’s 10 largest cities 10 largest cities in IllinoisNon-owner car ratesNew Haven$570Hartford$560Â Bridgeport$553Â Waterbury$530New Britain$464Â Stamford$447West Hartford$446Bristol$439Norwalk$429Danbury$427 How non-owner insurance rates in Illinois compare to rates in other states From state to state, the rates for non-owner car insurance can also differ. Illinois’ average non-owner insurance rate is $385; more than the $380 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. Next up it’s Iowa at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Illinois To get a non-owner policy, you need your driver’s license number and a credit or debit card. To purchase a policy, follow these steps: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner insurance policy, you’ll need to call your insurer rather than get an online quote. “The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who] is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance. Here are a few insurance companies 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in Illinois? Which insurer offers the cheapest non-owner insurance rates in Illinois? How much is non-owner car insurance in Illinois by age? Which Illinois cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in Illinois' 10 biggest cities? How non-owner insurance rates in Illinois compare to rates in other states How to get non-owner car insurance in Illinois Get instant quotes now ! Please enter valid zip Get quote