Cheapest Non Owner Car Insurance In Illinois

Kemper clearly stands out as the top choice for affordable and effective non-owner car insurance in Illinois.

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Updated: 15 June 2024
Written by Doug Schaffer
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I understand the financial challenges that come with owning a car and getting insurance in this state. Many people here face the tough choice between car expenses and housing costs, so finding a budget-friendly solution is crucial.

As a result, more and more Illinois residents are turning to car-sharing or renting instead of shouldering the ongoing costs of car ownership. Non-owner car insurance is the smart answer, providing financial security and peace of mind.

With 15 years of experience as a licensed insurance agent and more than 30 years of buying car insurance, I have a deep understanding of the car insurance companies in question. While all of them have solid reputations, each offers unique advantages for helping Illinois residents.

Cheapest Non-Owner Car Insurance In Illinois, 2024

Cheapest Non-Owner Car Insurance, Illinois 2024

Comparison Of The Cheapest Non-Owner Car Insurance In Illinois

Overall Rating Best For J.D Power Rating A.M Best Rating Get A Quote
Kemper
4.7

Cheapest Overall

736

A-

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

809

A+

Instant Quote
State Farm
4.9

Overall

826

A++

Instant Quote
Farmers
4.7

Cheapest Non Owner SR-22

810

A-

Instant Quote
Travelers
4.8

Runner-Up

Not Rated

A++

Instant Quote
Scroll to see comparisons

Our Methodology

After conducting an extensive analysis that considers customer service, product choices, pricing, and input from various online sources, I've put together a comprehensive assessment of non-owner car insurance providers. This viewpoint is informed by extensive experience, encompassing over 15 years as a licensed industry professional. It has been shaped by numerous interactions with representatives from various companies and insights gained through my own car insurance purchases in Illinois.

53

Quotes Analyzed

15+

Years Of Industry Experience

18

Brands Reviewed

40+

Research Hours

Reviews Of The Cheapest Non-Owner Car Insurance Companies In Illinois


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re on the hunt for wallet-friendly non-owner car insurance in Illinois, Kemper stands out as the top pick in terms of affordability. Kemper specializes in catering to high-risk drivers and works with independent agents to provide coverage across Illinois and the entire nation.

While Kemper is recognized for its cost-effective policies in Illinois, it’s worth noting that it receives lower customer satisfaction ratings, as reported by the National Association of Insurance Commissioners. However, despite these ratings, Kemper remains the 11th largest insurance company in the United States.

For active-duty military members or National Guard personnel who don’t have personal vehicles, especially those deployed or residing on a military base, Kemper could be a compelling choice.

Illinois is well-known for its high cost of living, and this extends to the realm of car insurance. Heavy traffic and a substantial number of drivers without sufficient insurance coverage contribute to the rising expenses associated with owning and insuring a car, creating financial difficulties for many.

In reaction to this challenge, an increasing number of people are choosing not to own cars and, instead, are turning to rental vehicles when needed. Affordable non-owner car insurance has emerged as a cost-effective solution for Illinois residents, offering coverage to those who no longer need traditional auto insurance.

Benefits & Drawbacks

Benefits
  • Most affordable rates for non-owner insurance in Illinois
  • Option to obtain an SR-22 if required
  • Holds a robust AM Best financial strength rating
Drawbacks
  • Elevated count of customer complaints regarding policyholder service
  • Mobile app receives low ratings

Rates For The Cheapest Non Owner Car Insurance In Illinois

Insurance company Monthly Rate
State Farm $31
Progressive $44
GEICO $29
Travelers $37
Auto-Owners Insurance Co $25

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Illinois, if you’re someone with a clean driving history, Progressive is a standout choice for non-owner car insurance. Their non-owner insurance offers essential liability coverage, which safeguards you from significant expenses tied to injuries or property damage resulting from accidents. This is especially important since Illinois mandates financial responsibility for all vehicles on its roads.

You have the option to get Progressive non-owner car insurance through independent agents or directly from Progressive itself, a company well-regarded for its robust financial ratings and consistent track record of settling claims.

If your driving record is free from blemishes, you’ll benefit from lower rates on non-owner car insurance. Insurance companies see you as a lower risk, which means fewer potential financial losses from claims and a competitive advantage for them. Maintaining a clean driving record is financially rewarding since it results in these reduced premiums.

Benefits & Drawbacks

Benefits
  • Broad range of coverage options
  • Most competitive rates for good drivers
  • Discounts offered for safe driving
Drawbacks
  • Lack of rental car coverage
  • Varied customer service reviews
  • Non-owner car insurance is unavailable in certain states

Rates For The Cheapest Non Owner Car Insurance With A Clean Driving Record

Insurance company Monthly rate
GEICO $28
State Farm $32
Progressive $41
Travelers $40

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers has established itself as a dependable non-owner car insurance provider, especially for drivers needing an SR-22. This document is crucial for individuals deemed “high-risk” by the state due to violations like DUIs, reckless driving, or driving without insurance.

What makes Farmers stand out is their tailored services designed for high-risk drivers. Besides offering SR-22 insurance, they facilitate the swift and hassle-free reinstatement of licenses for those with suspended licenses. This commitment to providing a seamless experience sets Farmers apart from many other insurance companies.

In terms of cost, Farmers offers SR-22 Insurance at just an average of 2% more than standard car insurance. With this and their comprehensive coverage, Farmers emerges as a cost-effective option for Illinois drivers in need of an SR-22.

Selecting non-owner SR-22 insurance is a prudent decision for high-risk drivers who don’t own a car but occasionally need to drive. This insurance offers liability coverage, shielding you from the financial consequences of causing an accident while driving a borrowed or rented vehicle.

Furthermore, it guarantees continuous insurance coverage, demonstrating your financial responsibility. This helps avoid potential breaks in your insurance history, which might otherwise lead to increased premiums in the future.

Benefits & Drawbacks

Benefits
  • Specializes in catering to high-risk drivers
  • Offers the most economical rates for non-owner SR-22 coverage
  • Provides comprehensive coverage options
Drawbacks
  • Reports of certain policyholders experiencing challenges with claim handling and resolution
  • Elevated rates for high-risk drivers

Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm stands out as a top choice for non-owner car insurance in Illinois, thanks to its competitive rates, extensive coverage, and excellent customer service.

Although State Farm may not offer the absolute lowest prices, it remains competitive, particularly considering its stellar customer service. With rates as low as $213 annually for non-owner liability coverage, it significantly undercuts the average cost of non-owner auto insurance in Illinois, which averages $323 per year.

State Farm’s non-owner car insurance provides crucial liability protection, ensuring financial security in case you’re responsible for bodily injury or property damage. If your existing personal auto policy with State Farm includes comprehensive coverage, this protection can extend to your rental car, offering an additional layer of security.

What sets State Farm apart is its unwavering dedication to customer service. With easy access via a dedicated contact number or a phone app, State Farm ensures policyholders receive swift assistance whenever required.

Indeed, cost plays a substantial role in selecting a non-owner car insurance policy. Yet, it’s equally important to appreciate the importance of top-notch customer service. Insurance isn’t just about expenses; it’s about attaining peace of mind and having the confidence of complete support when it’s most needed.

The effectiveness of an insurance company in handling claims, responding to questions, and providing guidance carries immeasurable significance.

Benefits & Drawbacks

Benefits
  • Pricing is competitive
  • Coverage options are extensive
  • Customers express high satisfaction
Drawbacks
  • Absence of comprehensive or collision coverage for non-owner policies
  • Availability of discounts is limited
  • Some lower-priced alternatives are present

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In the non-owner car insurance scene in Illinois, Travelers stands out as a strong contender. Their standout features include personalized policies and excellent customer support.

Choosing an insurance provider with top-notch customer service is crucial. When faced with accidents or claims, having an insurer that offers quick and effective service while guiding you through the process is invaluable. Travelers consistently proves its commitment to customer satisfaction, making it a reliable choice for non-owner car insurance.

Coupled with a range of coverage options covering standard liability, collision, and uninsured/underinsured scenarios, Travelers offers extensive protection for non-owner insurance at an affordable price.

While non-owner car insurance primarily covers liability, safeguarding against harm you may cause to others, adding comprehensive and collision coverage can significantly enhance your protection—a wise choice for many drivers.

Comprehensive coverage safeguards you from non-collision incidents such as theft, vandalism, or damage from natural disasters, avoiding out-of-pocket expenses in these situations.

At the same time, collision coverage ensures protection in accidents involving other vehicles or objects, regardless of fault.

Benefits & Drawbacks

Benefits
  • Coverage is comprehensive
  • Customer service is superior
  • Pricing is competitive
Drawbacks
  • Absence of online quotes
  • Discounts are limited
  • Rates are higher for high-risk drivers

What Is Non Owner Car Insurance

If you’re often driving a car that isn’t yours—whether it’s a rental or borrowed from friends or family—consider checking out non-owner car insurance.

This type of insurance mainly deals with liability. If you end up in an accident with a car you don’t own, your policy can cover the medical and repair costs for the other party involved.

Some insurers might offer extra options, like protection against uninsured/underinsured motorists and personal injury coverage.

It’s important to keep in mind that non-owner insurance typically doesn’t include comprehensive or collision coverage. So, any damage to the vehicle you’re driving might not be covered.

For frequent renters or those who borrow vehicles, non-owner car insurance adds an extra layer of security on top of what you already have. In many cases, it can be more cost-effective than always going for the rental company’s insurance.

And having a non-owner policy helps you keep continuous insurance coverage, potentially avoiding coverage gaps.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

SR-22 isn’t your typical insurance policy—it’s more of a paperwork dance, a necessary document for vehicle liability insurance that most state DMVs demand in high-risk insurance scenarios.

Your insurer takes the lead on this one, submitting the SR-22 form as your golden ticket. It’s like a certified nod that says, “Hey, this driver has the minimum required liability insurance coverage according to the state rules.”

It’s not your everyday car paperwork. This SR-22 business is mainly for those with suspended licenses—thanks to traffic violations, DUIs, or other heavyweight offenses. This form? It’s your badge of financial responsibility, a sign that you’ve got the right amount of auto liability insurance coverage.

Think of it as a commitment card to maintaining car insurance liability coverage, usually mandated by the state or court order, especially if you’re deemed a high-risk driver. Your insurance company sends this special form to the state, and if your policy takes a breather, they’re on the hook to tell the state about it.

Average Cost Of Non Owner Car Insurance In Illinois – By Company

Navigating the realm of non-owner car insurance might seem like wading through a sea of options and rates. The crucial thing is to make a decision armed with information, understanding the financial impact of your choice.

To make things easier, we’ve put together a comparison chart that breaks down the average cost of non-owner car insurance from five leading providers.

Insurance company Monthly Rate
Farmers $28
Travelers $32
State Farm $34
Progressive $38
Nationwide $45

How Much Is Non-Owner Car Insurance In Illinois By Age?

Much like full coverage car insurance rates, non-owner car insurance is priciest for teen drivers and gradually decreases each year until age 55.

Here are sample rates for non-owner car insurance in Illinois across 10 different age groups.

Age Average Annual Rate
16 $1,225
18 $776
21 $440
25 $322
35 $300
45 $290
55 $280
65 $292
70 $310
75 $345

Average Cost Of Non Owner Car Insurance In Illinois Cities

These are sample rates for five small cities in Illinois:

City Sample Average Annual Rate
Brownstown $240
Westfield $238
Martinsville $230
Brocton $236
Beecher City $239

How Much Is Non-Owner Car Insurance In Illinois’s 10 Biggest Cities?

The size of a city plays a significant role in how insurers calculate car insurance rates. Residents in larger cities with more traffic tend to pay higher rates for car insurance.

City Average Annual Rate
Chicago $410
Aurora $325
Rockford $300
Joliet $310
Naperville $310
Springfield $300
Peoria $305
Elgin $381
Waukegan $377
Champaign $338

How Non-Owner Insurance Rates In Illinois Compare To Other States

Interestingly, Illinois’s average annual rate for non-owner car insurance at $288 is lower than the national average of $353. Here are the non-owner rates for the 12 most populated states:

State Average Annual Premium
North Carolina $985
Florida $670
New York $570
Michigan $572
Texas $396
Georgia $370
National Average $353
Pennsylvania $218
California $320
Ohio $190

Should You Get Non-Owner Car Insurance In Illinois?

Non-owner car insurance caters to individuals who don’t own a car but occasionally find themselves behind the wheel, offering liability coverage for accidents involving rented or borrowed vehicles.

In Illinois, several groups could benefit from this type of insurance:

Frequent Renters And Borrowers

Opting for non-owner insurance makes sense if you frequently rent or borrow vehicles. While rental companies provide insurance, it can become expensive for regular users. Having your policy ensures your protection without impacting the owner’s premium, even if their insurance covers some accidents.

Public Transport Commuters With Occasional Driving Needs

For many Illinois residents relying on public transport or rideshares for daily commuting but occasionally driving, non-owner insurance offers financial protection when needed. Whether you live in an urban area with excellent public transportation or prefer biking and walking, having this insurance ensures coverage when you do hit the road.

Individuals Maintaining Continuous Coverage

Insurance companies view coverage gaps as high-risk, potentially leading to higher premiums when you decide to buy a car. If you’ve sold your vehicle and will be without one for a while, a non-owner policy keeps your coverage continuous, preserving your insurance history. This continuity can be advantageous when you eventually purchase a car and need regular insurance.

What Does Non Owner Car Insurance Cover?

Non-owner car insurance is primarily designed for liability coverage, addressing costs related to bodily injury or property damage you may cause in an accident.

It’s crucial to understand that this type of insurance doesn’t cover damages to the vehicle you’re driving; that responsibility lies with the car owner’s insurance.

Some non-owner policies offer optional features like medical payments or personal injury protection (PIP), covering your medical expenses post-accident, regardless of fault.

You also have the option to include uninsured/underinsured motorist protection, providing a safety net in accidents involving drivers with insufficient insurance.

However, it’s important to note that non-owner car insurance excludes comprehensive or collision coverage. In simple terms, damages to the vehicle you’re driving—be it from theft, vandalism, natural disasters, or collisions—are typically not covered.

How To Get Non-Owner Car Insurance In Illinois

Securing non-owner car insurance in Illinois becomes a breeze with these five simple steps.

Clarify Your Needs

Before taking the plunge, understand why you need non-owner car insurance. Are you a frequent renter or borrower? Or is it for a non-owner SR-22 for license reinstatement? Clearly defining your needs sets the stage for finding the most suitable solution.

1

Collect Your Personal Details

To get a quote, share basic personal information such as your name, address, and driver’s license number. This data helps insurers assess risk and determine your premium.

2

Compare Quotes from Different Providers

Rates for non-owner car insurance can vary between providers. It’s wise to compare quotes to secure the best deal.

3

Select the Appropriate Coverage

Most non-owner policies offer liability coverage for accident costs. Depending on your needs and the insurer, you might consider additional coverages like uninsured motorist protection or medical payments. Choose a policy tailored to your specific requirements.

4

Buy Your Policy and Get Proof of Insurance

Once you’ve settled on a policy, make the purchase online or over the phone. You typically receive proof of insurance immediately, often via email. If necessary, your provider can handle the SR-22 filing on your behalf.

5

FAQs

Do you need car insurance if you don’t own a car in Illinois?

Absolutely, it’s crucial to have car insurance in Illinois, even if you don’t own a car. That’s where non-owner car insurance comes into play. If you frequently drive borrowed or rented vehicles, this policy provides liability coverage for any accidents that happen while you’re driving.

Who offers the cheapest non owners car insurance in Illinois?

Based on our research, Kemper emerges as the most cost-effective choice for non-owner car insurance in Illinois.

Can I buy auto insurance for someone else’s car in Illinois?

Indeed, obtaining auto insurance for someone else’s car in Illinois is possible. However, it’s a bit more intricate than insuring a car you own. While the vehicle owner doesn’t necessarily have to be the policyholder, insurance companies typically prefer the person insuring the car to have an “insurable interest,” such as being a co-owner or frequent driver. If you’re not the owner but frequently drive the car, a non-owner car insurance policy might be a more fitting option.

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