Non-owner car insurance in Illinois
Coverage in your name that pays for damage you cause to someone else while driving a rented or borrowed car. Get it if you use a car in most months of the year, or if you must file an SR-22 but own no vehicle. When you live with the car’s owner, be added to their policy instead.
- $43 a monthtypical price for a 40-year-old with a clean record, or $518 a year
- Auto-Ownerslowest price in the study, $124 a year, then $375 for the next company
- 25/50/20lowest limits the state allows
Who sells non-owner coverage in Illinois?
We priced 6 companies here, starting with the least expensive.
| Company | Per year | Per month |
|---|---|---|
 Auto-Owners | $124 | $10 |
 Travelers | $375 | $31 |
 GEICO | $476 | $40 |
 Erie | $656 | $55 |
 Progressive | $666 | $56 |
 Nationwide | $836 | $70 |
Auto-Owners is listed at $124 a year, far below the other companies here. That is the study's figure, so ask an agent for a real quote before counting on it.
These company prices are for a 40-year-old with a clean record, so your own answers above can give a different price. The same driver profile was used to produce the costs above, drawn from a study of Illinois prices; the state ranks 36th lowest out of 50. Who sells it in Illinois.
Minimum liability limits in Illinois for a driver with no car
Illinois puts its legal floor in 625 ILCS 5/7-203. For one injured person, the minimum payout is $25,000; for several people hurt in one crash, it is at least $50,000. If you damage another person’s property, the least coverage allowed is $20,000. The same amounts appear in the Illinois Department of Insurance shopping guide.
You can satisfy the law even if you own no car. Section 7-315 allows an insurer to certify an operator’s policy, and that policy insures you, the driver, rather than a particular vehicle. What most buyers call non-owner insurance is known legally by that label.
Who needs an SR-22 on file with the Illinois Secretary of State?
In Illinois the Secretary of State, rather than a DMV, is the office that tracks proof of insurance. One timing detail often takes people by surprise: you must renew an SR-22 policy 45 days or more before it runs out.
The state refers to this as Financial Responsibility Insurance. The people who must carry it are listed on the SR-22 page. A safety responsibility suspension from an uninsured crash puts you on the list, as do revocations, unsatisfied court judgments, and mandatory insurance supervision. You are also added if you have been convicted at least three times for driving uninsured.
The SR-22 certificate is sent electronically by your insurer to confirm that you have coverage. You carry it for three years. Make the renewal payment 45 days or more before the policy ends. If the renewal is not received 15 days before the policy ends, the company must alert the state by filing an SR-26 cancellation. Then your record is suspended, and it stays that way until a new filing arrives. Instead of insurance, the state will take $70,000 in cash or securities held by the State Treasurer.
Fees to reinstate a license in Illinois
The Secretary of State reinstatement fee list shows the separate fee tied to every kind of suspension. For each suspension, a mandatory insurance conviction carries a cost of $100. Suspensions for uninsured crashes and unpaid judgments each cost $70. A first DUI statutory summary suspension is $250, and every revocation costs $500.
All the fees must be paid first; only afterward is a new license granted. You must also hand in your SR-22 certificate, or else a waiver for insurance bought out of state. Thinking of giving up driving? Section 7-328 allows you to turn in your proof, license, and plates together. Should you reapply before those three years end, the proof must be filed once more until the full period has passed.
What you pay in Illinois, by age
A teenager pays roughly $1,509 each year. For a 40-year-old driver, minimum coverage on an owned car averages $527 a year, about $9 higher than a non-owner policy priced at $518.
| Age | Men | Women |
|---|---|---|
| 16 to 19 | $1,558 | $1,459 |
| 20 to 24 | $750 | $764 |
| 25 to 64 | $522 | $544 |
| 65 and over | $564 | $546 |
Figures are annual, for a clean record and the lowest allowed limits. The study's 25-to-60 rates are applied to ages 25 through 64 here; its 65-to-75 rates apply to ages 65 and above.
Get a non-owner quote in Illinois
A licensed agent who writes policies in Illinois takes your call, goes through how you drive for free, and gets you real quotes right away.
Call 833-958-5598