Car Insurance Non-owner car insurance in Louisiana: Which company has the cheapest rates? USAA and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 10, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 CompanyAverage annual premiumUSAA$215Geico$224State Farm$267Progressive$758 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 AgeMaleFemale16$1,964$1,83617$1,867$1,74318$1,666$1,51919$933$83720$815$74521$595$57422$549$51423$508$48924$451$44125$427$41630$394$39135$373$38440$366$36845$361$36350$348$34455$340$33260$342$33465$408$37170$408$37175$408$371 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 Cities in LouisianaLowest non-owner car insurance ratesHaynesville$238Zwolle$238Castor$239Noble$240Arcadia$241Lisbon$241Springhill$241Jamestown$242Homer$243Many$243Jonesboro$244Florien$245Hodge$245Saline$245Sarepta$245Belmont$246Converse$246Ringgold$247Shongaloo$248Dubach$249 The 20 Louisiana cities with the highest non-owner car insurance rates Cities in LouisianaHighest non-owner car insurance ratesChalmette$558Arabi$547New Orleans$533Meraux$528Marrero$522Gretna$514Violet$514Kenner$511Waggaman$508Harvey$507Terrytown$506Jefferson$497Metairie$496Merrydale$494Uncle Sam$486Bordelonville$485Burnside$485Watson$485Brittany$483Dupont$479 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 10 largest cities in LouisianaNon-owner car ratesNew Orleans$533Kenner$511Metairie$496Baton Rouge$468Alexandria$443Lafayette$406Lake Charles$393Monroe$389Shreveport$340Bossier City$314 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 StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 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: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs 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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in Louisiana? Which insurer offers the cheapest non-owner insurance rates in Louisiana? How much is non-owner car insurance in Louisiana by age? Which Louisiana cities have the cheapest non-owner auto insurance? How much is non-owner auto insurance in Louisiana's 10 biggest cities? How non-owner insurance rates in Louisiana compare to rates in other states How to get non-owner car insurance in Louisiana Get instant quotes now ! Please enter valid zip Get quote