Cheapest and Best Non-Owner Car Insurance in Illinois (2024)

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.

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.

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

• Auto-Owners: $20 per month
• GEICO: $25 per month

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.

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

• Auto-Owners: $27 per month
• State Farm: $32 per month

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.

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.

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.

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.

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.

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