Non-Owner Car Insurance in Illinois: The Cheapest Options and What You Need to Know

In Illinois, the average cost of non-owner auto insurance is $492 per year. The cheapest widely available company, Travelers, costs an average of $347 annually. If you want to know how to get insurance without a car in Illinois, MoneyGeek’s guide can help.

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Last Updated: 8/15/2022

If you don't own a car but frequently use car-sharing or rental vehicles or if you need proof of insurance to reactivate your license, non-owner auto insurance is suitable for you.

Non-owner auto insurance in Illinois costs an average of $492 annually for those with a clean driving record and $846 for those with a significant driving offense, such as a DUI.

MoneyGeek analyzed various non-owner car insurance companies in Illinois to provide you with sample quotes so you can determine if this coverage is right for you.

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Cheapest Non-Owner Car Insurance Companies in Illinois

While non-owner car insurance in Illinois is generally less expensive than regular car insurance policies, you can still save big by comparing quotes from multiple insurers since premiums can vary significantly between companies.

According to MoneyGeek's research, the following two companies offer the cheapest widely available non-owner car insurance in Illinois, with average rates of:

  • Travelers: $347 per year
  • State Farm: $412 per year

USAA has the lowest rates in Illinois, at $230 per year on average, but its insurance plans are only available to military families.

In comparison, MetLife gives the state's most expensive quote at an average of $887 per year.

This study was conducted using the profile of a 40-year-old driver from Illinois buying a non-owner car insurance policy with limits detailed in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Illinois

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $230
    $19
  • Travelers
    $347
    $29
  • State Farm
    $412
    $34
  • Farmers
    $450
    $38
  • GEICO
    $523
    $44
  • Progressive
    $595
    $50
  • MetLife
    $887
    $74
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How Much Is Non-Owner Car Insurance in Illinois?

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Non-owner car insurance in Illinois costs around $492 annually, and a standard car insurance policy costs around $637 per year. This difference of $145 is only an average and might vary based on other factors.

With a DUI, your non-owner auto insurance rate could jump to roughly $846, which is an estimated $354 more than someone with a clean driving record. However, a standard auto insurance policy for a driver with a DUI costs roughly $1,279 yearly.

Cheapest SR-22 Non-Owner Car Insurance Companies in Illinois

An SR-22 is not insurance. It is a certificate that proves you have car insurance that meets your state’s minimum liability insurance requirements. You have to get an SR-22 in Illinois to reinstate your driver's license after a significant traffic violation like DUI.

On average, MoneyGeek found Illinois’s cheapest widely available non-owner car insurance for those with a DUI conviction are:

  • State Farm: $412 per year
  • Travelers: $485 per year

USAA offers the second most affordable rates in the state at an average of $468 annually. However, these policies are only available to military families.

MetLife offers the most expensive non-owner SR-22 car insurance with a DUI in Illinois for an average annual premium of $2,060.

Cheapest SR-22 Non-Owner Car Insurance Companies in Illinois

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $412
    $34
  • USAA
    $468
    $39
  • Travelers
    $485
    $40
  • Progressive
    $614
    $51
  • Farmers
    $659
    $55
  • GEICO
    $1,225
    $102
  • MetLife
    $2,060
    $172
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What Is Non-Owner Car Insurance in Illinois?

Non-owner liability car insurance in Illinois is the ideal option if you don't own a car but need car insurance. At the very least, it includes liability insurance and satisfies the state-mandated minimum level of liability insurance. Keep in mind that comprehensive and collision coverage, often referred to as full coverage, isn't an option for non-owner car insurance policyholders.

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A non-owner car insurance policy in Illinois must meet the following minimum requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Who Should Get Non-Owner Car Insurance in Illinois?

If you do not own an automobile, Illinois’ insurance law does not require you to get car insurance. However, you may need a non-owner car insurance policy in your name for a variety of reasons, including:

  • Getting your license reinstated: Those convicted of a serious driving offense, such as a DUI, may get their license suspended. In Illinois, you might be required to file an SR-22 to prove your financial responsibility and get your license reinstated. Since filing an SR-22 will cause your future insurance rates to rise, non-owner automobile insurance coverage is the cheapest alternative.
  • Insuring rental cars or shared cars from a car-sharing company: If you often drive a rented or leased car, buying the insurance your rental or car-sharing company offers can be more expensive in the long run. Non-owner car insurance can be a more affordable option.
  • Avoiding insurance gaps: If you don’t currently own a car and you cancel your insurance policy, this will cause an insurance gap or lapse. In turn, this can cause insurers to raise your premiums. Non-owner auto insurance can help you maintain your coverage and qualify for future low-cost policies.

Who Shouldn’t Get Non-Owner Car Insurance in Illinois?

There are a couple of instances when it doesn’t make sense to get a non-owner car insurance policy, including when you are a:

  • Casual car borrower: For example, if you live in Chicago and ask your friend to lend you their car for a day, you will be covered under their insurance policy as long as you have permission to drive their vehicle.
  • Infrequent car renter: If you only rent cars once or twice a year, rental car insurance can be sufficient and more cost-effective.

How to Get Non-Owner Car Insurance in Illinois

Non-owner car insurance in Illinois is available from all of the companies listed below. Some insurers may only sell it to existing customers who temporarily give up their standard auto insurance and look for non-owner auto insurance to avoid gaps in coverage.

Keep in mind that most insurers do not offer non-owner auto insurance quotes online. However, you can contact the insurance company using the information below to get a quote.

Contact Non-Owner Car Insurance Companies in Illinois
  • Company
    Contact Number
  • USAA
    800-531-8722
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • Farmers
    888-327-6335
  • GEICO
    800-207-7847
  • Progressive
    888-671-4405
  • MetLife
    800-422-4272

Frequently Asked Questions About Illinois Non-Owner Car Insurance

Non-owner car insurance isn’t the same as a standard car insurance policy. Here are some frequently asked questions concerning non-owner auto insurance in Illinois.

Methodology

MoneyGeek's analysis used data from Quadrant Information Services to compare non-owner car insurance quotes from multiple insurers. The sample profile was a 40-year-old driver both with a clean driving record and a DUI. All non-owner car insurance policies met Illinois’s minimum car insurance requirements except for liability insurance. Those policies had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The limits on all standard car insurance policies used for comparison were the same.