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Non-owner car insurance in Illinois provides liability coverage for drivers who do not own a vehicle but still require car insurance while traveling or borrowing cars regularly. It can be a useful option for those who need ongoing insurance coverage or frequently borrow cars from friends and family. Additionally, drivers with serious driving infractions may be able to reinstate their licenses after obtaining non-owner auto insurance.

MoneyGeek determined that Auto-Owners offers the best and cheapest non-owner car insurance in Illinois. This ranking is based on cost and customer service, where Auto-Owners excels by providing a good balance between the two. The insurer also offers the most affordable non-owner auto insurance to Illinois drivers who have committed serious driving offenses.

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Cheapest Non-Owner Car Insurance in Illinois

Auto-Owners offers the cheapest non-owner car insurance coverage in Illinois:

  • Drivers with clean records: Auto-Owners ($20 per month)
  • Drivers with violations: Auto-Owners ($27 per month)

If you don't own a car but have a driving offense on your record, your car insurance prices are likely to be higher. The state's cheapest policy for drivers with violations costs $7 more per month than the least expensive plan for those without violations.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Illinois

Illinois drivers with clean driving records can get the cheapest non-owner car insurance from the following companies:

USAA also provides affordable non-owner auto insurance in the state for around $29 a month. However, USAA's policies are only available for retired and active military personnel and their families.

In Illinois, non-owner auto insurance policies average $30 per month, which is $13 less than the national average of $43 per month.

Cheapest Annual Premium
Cheapest Monthly Premium

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Non-owner auto insurance must still comply with Illinois's minimum insurance requirements. These include:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability per person
  • $25,000 in uninsured/underinsured motorist insurance per person
  • $50,000 in uninsured/underinsured motorist insurance per accident

Although these are the legally mandated minimum limits, they may not be sufficient for everyone. It is essential to determine your coverage requirements before purchasing a policy.

Cheapest Non-Owner SR-22 Car Insurance in Illinois

The least expensive non-owner auto insurance providers in Illinois for drivers with accidents or DUIs on their records are:

USAA offers non-owner SR-22 insurance to military members in Illinois for about $42 per month, making it only the fourth cheapest option.

An SR-22 is a form that your insurance company must file if you have a driving violation on your record, which could drastically increase your premiums. The cheapest SR-22 insurance for non-owners in Illinois costs $32 less than the national average of $59.

Cheapest Annual Premium
Cheapest Monthly Premium

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Though it's commonly referred to as "SR-22 car insurance," it's important to know that it's not a type of insurance coverage. Instead, it is a document your provider submits to certify that you have the appropriate insurance coverage required by their state. Drivers who have engaged in certain traffic infractions or at-fault accidents are typically obligated to have SR-22 insurance in Illinois.

What Is Non-Owner Car Insurance?

In Illinois, non-owner car insurance provides liability coverage for drivers who do not own a vehicle. This means that it offers protection for personal injuries and property damage you may cause to others in an accident. However, non-owner car insurance does not include comprehensive and collision coverage.

This form of car insurance may be a good option if you often rent cars, borrow cars from friends or would like to avoid a premium spike following a lapse in coverage. The table below compares non-owner and full coverage insurance policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability



Average Cost of Non-Owner Car Insurance in Illinois

The average cost of non-owner car insurance in Illinois is $30, which is less than the national monthly average of $43. The average cost of car insurance varies based on where you live. Other factors might have a more significant influence on your premiums, like your age, coverage amount, driving record and the type of vehicle you use.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Illinois Average Cost

Monthly Premium

On average, non-owner car insurance in Illinois is:$13 saved

This is 30% less expensive.

Best Non-Owner Car Insurance in Illinois

The best non-owner car insurance companies in Illinois are:

  • Auto-Owners: MoneyGeek score 78 out of 100 ($20 per month)
  • GEICO: MoneyGeek score 69 out of 100 ($25 per month)
  • State Farm: MoneyGeek score 63 out of 100 ($28 per month)

We determined our ranking by accounting for each company's affordability, customer satisfaction scores from J.D. Power and financial stability ratings from AM Best. Our overviews can assist you in selecting the best provider that meets your insurance needs.

MoneyGeek Top Pick
Auto-Owners and American National

Auto-Owners offers highly competitive rates and good customer service, making it our choice for the best non-owner auto insurance provider in Illinois. This insurer also provides a number of discounts that can help lower your premiums.

Discounts for consolidating policies, insuring multiple vehicles and safe driving are available with Auto-Owners. Young drivers can also qualify for discounts by maintaining good academic performance. You may also be eligible for additional savings by installing an anti-theft device in your automobile.

Read the full Auto-Owners car insurance review.


GEICO is the second-best insurer due to its commendable customer service and competitive rates. However, it falls behind in claims handling and offers a more limited range of coverage options compared to its competitors.

This provider also offers a range of discounts that may lower your auto insurance costs. There are potential discounts for having safety features in your vehicle, such as airbags, anti-theft systems, anti-lock braking and daytime running lights. You can likely get discounted premiums by combining GEICO insurance policies and preserving a clean driving record.

Read the full GEICO car insurance review.

Third Place
State Farm

State Farm stands out for its excellent customer service and strong financial stability. However, it lags behind its competitors in terms of affordability and claims management.

This company offers discounts for bundling, insuring multiple vehicles, safe driving and attending defensive driving lessons. Senior drivers and students demonstrating good academic performance are also eligible for discounts. There are unique discounts available for owners of new vehicles and those with safety features such as anti-lock brakes and anti-theft systems installed in their cars. Additionally, vehicles with factory-installed daytime running lights are eligible for discounted premiums.

Read the full State Farm car insurance review.

Should You Get Non-Owner Car Insurance in Illinois?

Non-owner auto insurance is the best alternative for those who do not possess a car of their own but frequently use rental cars or borrowed vehicles. This kind of insurance is also helpful if you have had your driver's license revoked or suspended. The following types of drivers benefit the most from non-owner auto insurance.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Drivers who frequently use vehicles belonging to friends or family members may find it beneficial to purchase non-owner car insurance. This type of policy can provide coverage for accident liabilities, offering peace of mind and financial protection. Moreover, non-owner car insurance is usually more affordable than full coverage insurance policies.

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    Occasional renters

    Non-owner auto insurance is useful for those who sometimes rent automobiles. It covers the costs associated with injuries and property damage if they are at fault in an accident. They may find it more cost-effective to obtain liability insurance than purchasing a standard auto insurance policy.

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    Drivers between cars

    Insurance providers typically charge you higher premiums if you have had a gap in your coverage history. If you no longer own a car or won't be driving for a while, having non-owner car insurance can save you money when you're ready to purchase a standard auto insurance policy.

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    License reinstatement seekers

    Buying a non-owner auto insurance policy and filing an SR-22 may be necessary for drivers seeking to reinstate their licenses following a suspension or revocation. This documentation can help you restore your driving privileges.

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Exercise caution when encountering companies that advertise "one-day insurance," as it may not be a legitimate insurance policy and could be a fraudulent scheme. We suggest getting insurance through the rental car company if you only need coverage for a day or two. There are various options available to obtain temporary car insurance in Illinois.

Frequently Asked Questions About Non-Owner Car Insurance in Illinois

We addressed some inquiries about non-owner car insurance in Illinois.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.