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AFCPE Accredited Financial Counselor
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Licensed property and casualty insurance agent
10+ years editing experience
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Licensed auto and home insurance agent
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Updated
Non-owner car insurance in Illinois helps keep you covered if you regularly drive but don’t own a car. You may also need it to maintain coverage as part of an SR-22 requirement. It generally covers only injuries and damages you cause to others in a car accident, not your own.
For example, let’s say you occasionally borrow a friend’s car to run errands. If you get into an accident with their car, your friend’s auto policy will typically pay first. But if the damages or injuries exceed your friend’s coverage limits, your non-owner car insurance acts as secondary coverage to help pay for the remaining costs.
Compare rates from top insurers, starting at an average of $40/mo. in Illinois
Illinois doesn’t require drivers to have non-owner car insurance. But it can provide financial protection if you don’t own a car but frequently drive someone else’s car. Non-owner car insurance can also help you meet the state’s minimum requirements as part of an SR-22 requirement.[1]
Illinois requires all drivers to have $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $20,000 per accident of property damage liability coverage. You also need $25,000 per person and $50,000 per accident of uninsured motorist coverage.[2]
Non-owner car insurance is generally optional in Illinois. But it’s worth considering if you want protection while driving someone else’s vehicle.
You may want to consider non-owner car insurance if:
You frequently borrow cars. Non-owner insurance can provide extra coverage if you frequently borrow vehicles from friends or family.
You rent cars. Non-owner car insurance can supplement or replace rental car insurance if you frequently rent cars.
You need to file an SR-22. Non-owner coverage can satisfy minimum-coverage requirements if you need to file an SR-22.
You’re between vehicles. Insurers may view drivers with a lapse in coverage as higher risk. Maintaining continuous coverage can help you avoid higher premiums if you buy another car.
An SR-22 is a certificate of financial responsibility that proves you meet Illinois’ minimum car insurance requirements. You often need to file an SR-22 after certain driving offenses, like a driving under the influence (DUI) conviction.
After your insurer files the SR-22, it can take up to 30 days for the Illinois Office of the Secretary of State to process it. You usually need to keep your SR-22 on file for three years. If your insurer cancels your coverage or you let it lapse, the state can suspend your license until you file another SR-22.
Because you typically need an SR-22 requirement after a serious driving violation, insurers will likely charge you more for coverage.
With an average rate of $38 per month, non-owner car insurance in Illinois costs less than the national average of $46 per month. It’s also significantly cheaper than traditional insurance rates in the state, which average $82 per month for liability-only coverage and $161 per month for full coverage.
The table below shows how non-owner car insurance rates in Illinois compare to the national average.
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Illinois average | $38 |
| National average | $46 |
Getting non-owner car insurance in Illinois is similar to a standard auto policy. Follow these steps to purchase a non-owner policy:
Gather the required documents. You should have your driver’s license, Social Security number, and address ready to give to the insurer.
Compare insurance companies. Shop around online or work with an insurance agent to compare non-owner auto insurance policy quotes, coverage options, and discounts from different insurers.
Get an SR-22, if needed. If you need an SR-22, ask your insurer to file it with the Illinois Department of Insurance on your behalf.
Pay your premium. Once you choose an insurance company, pay your first month’s premium. Some insurers may offer a discount if you pay in full for the length of your policy.
Check rates from Illinois’ best insurers and save money in minutes
We answered some non-owner car insurance questions from Illinois drivers below.
The average cost of non-owners car insurance in Illinois is $38 per month. That’s less than the national average of $46 per month. But how much you pay for coverage depends on many factors, including your location and driving record.
It depends. When picking a company for non-owner car insurance, decide what your priorities are. Some insurers offer cheap rates, while others may offer more coverage options or better discounts. Comparing quotes from multiple companies can help you find the right coverage at the best price.
No. You can’t insure a car you don’t own in Illinois. But if you regularly drive a car you don’t own, you can purchase non-owner car insurance in Illinois. Unlike a standard auto policy, non-owner coverage typically follows the driver, not the car.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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