Non-Owner Car Insurance
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Non-Owner Car Insurance — Illinois

An Illinois non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, covers you when driving borrowed or rented cars, and can file the SR-22 the state requires if you need one. It's liability-only coverage that follows you, not the car.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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State-Mandated Minimum Coverage · Illinois

Illinois Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000

License Reinstatement Fee$70

Meeting the state minimum keeps you legal. See whether it's enough — get your Illinois quote.

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Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage Types

Non-Owner Liability Insurance

Bodily injury and property damage coverage for drivers who don't own a car. Meets Illinois's 25/50/25 minimum and covers you when driving borrowed, rented, or shared vehicles.

Non-Owner SR-22 Insurance

An SR-22 is a state filing proving you carry continuous liability coverage. A non-owner SR-22 satisfies Illinois's requirement without owning a car, typically for 3 years after a suspension or DUI.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient limits. Illinois law requires UM on every auto policy, including non-owner.

Non-Standard Auto Insurance

Coverage for drivers with violations, lapses, or DUI convictions. Non-standard carriers write non-owner policies for high-risk profiles when standard carriers won't.

Find Your City in Illinois

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Chicago

urban
Aurora, Illinois cityscape and street view

Aurora

suburban
Joliet, Illinois cityscape and street view

Joliet

suburban
Tree-lined road in autumn with fall foliage and fallen leaves creating a peaceful pathway

Naperville

suburban
Rockford, Illinois cityscape and street view

Rockford

urban
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Elgin

suburban
Modern mixed-use building with geometric white facade pattern and traditional brick sections on urban street

Springfield

suburban
Ornate historic building shot from below through bare tree branches against blue sky

Peoria

urban
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Waukegan

suburban
Winter twilight cityscape with snow-covered buildings and warm street lights creating starbursts against blue evening sky

Champaign

urban
Modern farm building with silos in green field under pink sunset sky

Cicero

urban
Modern glass building on waterfront with multiple water fountains spraying in lake under clear blue sky

Evanston

suburban

Frequently Asked Questions

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