Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- Non-owner car insurance costs an average of $28 a month in Louisiana for the coverage limit of 15/30/25.
- The non-owner car insurance rate is $330 per year—lower than liability-only coverage of $1,266 for Louisiana drivers.
- Geico offers the cheapest non-owner car insurance rates in Louisiana at an average cost of $20 per month.
Do I need non-owner car insurance in Louisiana?
Non-owner car insurance in Louisiana is essential for those who often rent or borrow vehicles. It offers liability coverage in the event that you cause an accident while driving a car you rented or borrowed, helping protect you from costly out-of-pocket expenses. Additionally, it can act as supplementary coverage alongside the car owner’s existing insurance.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Louisiana
Non-owner car insurance costs $28 a month or $330 per year in Louisiana for coverage limits of 15/30/25.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Louisiana
Geico offers the cheapest non-owner car insurance rates in Louisiana at an average cost of $20 per month, based on CarInsurance.com’s analysis. Other than Geico, State Farm and Progressive also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
Below is a table showing the cheapest companies for non-owner car insurance in Louisiana.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Geico | $236 | $20 |
| State Farm | $249 | $21 |
| Progressive | $625 | $52 |
| USAA* | $241 | $20 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Louisiana, by age and gender
Non-owner car insurance costs in Louisiana can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $660 a month, while adding a 16-year-old female might increase your monthly cost by $601 .
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Louisiana.
The table below shows how non-owner car insurance rates vary by age and gender in Louisiana.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $495 | $477 |
| Young Adults (20-24) | $390 | $384 |
| Adults (25-60) | $325 | $331 |
| Seniors (65-75) | $349 | $338 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Louisiana cities
In Bossier City the average cost of non-owner auto insurance is $25 per month or $300 per year, and Shreveport drivers pay $27 a month for the same coverage.
Insurance rates vary by city in Louisiana. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Louisiana city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Bossier City | $300 | $25 |
| Shreveport | $322 | $27 |
| Houma | $344 | $29 |
| Monroe | $367 | $31 |
| Lake Charles | $387 | $32 |
| Lafayette | $391 | $33 |
| Baton Rouge | $397 | $33 |
| New Orleans | $398 | $33 |
| Kenner | $407 | $34 |
| Alexandria | $412 | $34 |
Affordable non-owner insurance in Louisiana, by ZIP code
In Louisiana, a 40-year-old driver living in ZIP code 71475 pays $177 a year or $15 per month for non-owner insurance, while the coverage costs $182 a year or $15 per month for a driver in ZIP code 71460 with a clean driving record.
When should you consider buying non-owner car insurance in Louisiana?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Louisiana
Non-owner car insurance is an excellent choice in Louisiana if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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