Non-owner car insurance in Louisiana: Which company has the cheapest rates?

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Non-owner car insurance in Louisiana costs $366 per year, which is $14 lower than the rest of the country on average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Louisiana, such as State Farm and Progressive.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Louisiana.

How much does non-owner car insurance cost in Louisiana?

Non-owner insurance is usually less expensive than typical auto insurance—insurance companies regard non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average, in the U.S., it costs  drivers with a good credit score as well as a clean driving record $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. It’s $2,487 in Louisiana.

On the other hand, non-owner auto insurance costs $380 on average in the United States and $366 in Louisiana.

There are various factors that affect your rates, such as which insurer you buy from, your age and driving history and where in Louisiana you live.

Which insurer offers the cheapest non-owner insurance rates in Louisiana?

In Louisiana, USAA’s non-owner insurance policy is the cheapest at $215 a year on average.

At $758 a year, Progressive charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Louisiana’s most affordable non-owner insurance policies below.

Cheapest non-owner insurance rates in Louisiana

You should note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Louisiana by age?

Age plays an important role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually have lower rates. On average, non-owner insurance costs $1,900 a year for a 16-year-old and $362 for a 45-year-old in Louisiana.

Average non-owner auto insurance rates in Louisiana by age and gender

Which Louisiana cities have the cheapest non-owner auto insurance?

There’s a great deal of variation from city to city when it comes to rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States.

Below are charts showing which cities in Louisiana have the lowest and highest non-owner car insurance rates.

The 20 Louisiana cities with the lowest non-owner car insurance rates

The 20 Louisiana cities with the highest non-owner car insurance rates

How much is non-owner auto insurance in Louisiana’s 10 biggest cities?

The largest cities in Louisiana sometimes have significantly different non-owner insurance rates. The non-owner insurance price in New Orleans is the highest at $533. Bossier City has the cheapest prices among the state’s largest cities at $314.

Non-owner car rates in Louisiana 10 largest cities

How non-owner insurance rates in Louisiana compare to rates in other states

From state to state, the rates for non-owner car insurance can also vary. Louisiana’s average non-owner insurance rate is $366; lower than the $380 average nationally. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. After that, it’s Iowa at $193 annually.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner car insurance in Louisiana

Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, [who can] shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Here are a few insurers with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.