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

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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

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

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

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 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

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

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:

1. Contact a car 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.

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