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

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Non-owner car insurance in Louisiana costs $366 annually, which is $13 more than the average nationally, according to an Insure.com 2023 rate analysis.

In Louisiana, non-owner policies are available from companies such as State Farm and Progressive.

“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.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Louisiana.

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

Non-owner insurance is usually cheaper than full coverage auto insurance—insurance companies view non-owner policyholders as less of a risk because they have limited access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 per 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 any damages to property. Full coverage car insurance is $2,487 in Louisiana.

Meanwhile, non-owner car insurance is $353 a year on average in the United States and $366 in Louisiana.

But actual rates are based on your age and driving history and also 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.

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

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Louisiana

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 is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Louisiana non-owner insurance costs, on average, $1,900 a year for a 16-year-old, while it’s $362 for a 45-year-old driver.

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

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

It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display the cities in Louisiana that have the least and most expensive non-owner auto insurance rates.

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

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

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

The most populous cities in Louisiana have varying non-owner insurance rates. The cost of non-owner insurance in New Orleans is the most expensive at $533. Haynesville and Zwolle have the cheapest rates of the largest cities in the state at $238.

Non-owner auto rates in Louisiana’s 10 largest cities

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

Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Louisiana is $366 a year, which is more than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year.

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

How to get non-ownercar insurance in Louisiana

To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.

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 non-owner insurance policy, you’ll need to call your insurer rather than go online for a quote.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are some insurance companies with phone 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.

Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.