Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Louisiana driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience 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.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Louisiana
Louisiana drivers can expect to pay an average of $28 per month or $330 annually for non-owner car insurance with a coverage limit 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 may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
See the cheapest companies for non-owner car insurance in Louisiana in the table below.
| 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 vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $660 monthly, whereas if you add a 16-year-old female, you’ll pay $601 per month, based on CarInsurance.com’s analysis.
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 non-owner auto insurance costs $25 per month or $300 annually, while drivers in Shreveport pay $27 monthly for the same coverage.
In Louisiana, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living is another factor that influences non-owner car insurance rates. Cities with higher costs of living in Louisiana generally pay higher insurance premiums, including non-owner car insurance.
See the table below for the cost of non-owner car insurance in your city.
| 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.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
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.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Louisiana
Non-owner car insurance in Louisiana is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
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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