Non-Owner Car Insurance in Illinois
Numbers refreshed
Liability protection for drivers in Illinois who don't own a car.
- $54.average monthly cost for owner liability.
- 25/50/20.the lowest liability limits.
- In cost, the state ranks 29th of 51 (1st = highest).
Who is non-owner insurance for?
- You often drive borrowed or rented cars but don't own one.
- You have no car to insure, and Illinois asks for an SR-22 filing from you.
- You'd rather not have a gap in cover between cars, since that can push the next price up.
What the policy covers
A non-owner policy covers liability only. The Illinois minimum of 25/50/20 is what it must meet.
If you cause a crash in a borrowed car, it pays the other people. The car you drive isn't repaired by it, and usually the owner's policy pays first.
How much it costs
No official average exists for non-owner policies. Car owners in Illinois pay $649 a year on average for liability. Non-owner policies usually cost less, since you don't have a car in your driveway every day.
Additional Illinois car insurance topics
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