Non-owner car insurance is ideal for drivers who frequently use rental cars, car-sharing services or those who need proof of insurance to get their license reinstated.
With a clean driving record, a non-owner car insurance policy costs an average of $916 per year. The same policy’s cost could increase to $1,319 per year on average if you have a serious driving violation on your record, such as a DUI.
MoneyGeek broke down the costs of different insurers in Louisiana and analyzed when you should and shouldn’t get a non-owner car insurance policy.
Cheapest Non-Owner Car Insurance Companies in Louisiana
While a non-owner car insurance policy is typically cheaper than a standard car insurance policy, you could still save money by comparing rates between insurers.
On average, MoneyGeek’s data shows that the following companies offer the cheapest non-owner car insurance in Louisiana:
- GEICO: $620 per year
- State Farm: $1,066 per year
USAA is the second most affordable option in the state and costs roughly $660 per year. However, these policies are only available to members of the military.
The most expensive non-owner car insurance provider in Louisiana is Progressive, costing an average cost of $1,318 per year.
These averages are for a 40-year old driver with a non-owner car insurance policy in Louisiana according to the limits described in MoneyGeek’s methodology.
Cheapest Non-Owner Car Insurance Companies in Louisiana
Scroll for more
- CompanyAnnual PremiumMonthly Premium
- GEICO$620$52
- USAA$660$55
- State Farm$1,066$89
- Progressive$1,318$110
How Much Is Non-Owner Car Insurance in Louisiana?
MoneyGeek’s research shows that the average annual cost of a non-owner car insurance policy in Louisiana is $916, which is $977 cheaper than a regular car insurance policy with an average yearly cost of $1,893.
Having a serious violation like a DUI on your record could increase your car insurance expenses. With a DUI, you could pay an average of $1,319 per year for a non-owner car insurance policy and an average of $3,186 per year for a regular car insurance policy. This is a difference of $1,867.
Cheapest SR-22 Non-Owner Car Insurance Companies in Louisiana
Non-owner car insurance could be the best option for drivers who do not currently own a car but need to file an SR-22 to get their license reinstated. You may also need to file an SR-22 in Louisiana if you have a serious traffic violation like a DUI on your record.
On average, MoneyGeek’s analysis shows that the following companies offer the cheapest widely available non-owner car insurance policies in Louisiana for drivers with a DUI:
- State Farm: $1,066 per year
- GEICO: $1,307 per year
USAA, with an annual average cost of $884, offers the cheapest non-owner SR-22 car insurance policy in Louisiana if you have a military background
The most expensive non-owner car insurance policy provider in Louisiana is Progressive. This insurer charges an average cost of $2,018 per year.
Cheapest SR-22 Non-Owner Car Insurance Companies in Louisiana
Scroll for more
- CompanyAnnual PremiumMonthly Premium
- USAA$884$74
- State Farm$1,066$89
- GEICO$1,307$109
- Progressive$2,018$168
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
What Is Non-Owner Car Insurance in Louisiana?
Drivers who don’t own a car but need insurance coverage could benefit from non-owner car insurance, also known as non-owner liability insurance. It includes liability insurance and other state-required minimum coverages. However, it does not include comprehensive and collision insurance, which is also known as full coverage. If you’re buying a non-owner car insurance policy, you may also add uninsured or underinsured motorist coverage.
In Louisiana, a non-owner car insurance policy needs to meet the following minimum required coverage limits of the state, including:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Who Should Get Non-Owner Car Insurance in Louisiana?
You should opt for non-owner car insurance in Louisiana for the following reasons:
- If you need insurance to get your license reinstated. In Louisiana, your driver’s license could be suspended due to a significant driving violation. A non-owner car insurance policy could be the cheapest option to show proof of insurance to get your license reinstated.
- If you frequently use rental cars or car-sharing services. Frequent users of rental cars should get non-owner car insurance since it’s cheaper than rental car insurance in the long run. Non-owner car insurance covers you in case your rental or borrowed car is in an accident.
- If you don’t own a car but want to maintain insurance coverage to avoid a lapse. With an insurance coverage lapse, insurers could consider you a high-risk driver and might give you higher car insurance quotes. You should maintain a non-owner car insurance policy even if you don’t have a car to save on unnecessary insurance fee increases.
Who Shouldn’t Get Non-Owner Car Insurance in Louisiana?
You don't need to buy a non-owner car insurance policy if you live in New Orleans and a friend has given you permission to drive their car. In that scenario, your friend’s auto policy will cover you.
You should also avoid getting a non-owner policy if you do not use rental cars frequently. If you only rent a car once or twice, it's better to opt for rental car insurance since it will be cheaper.
How to Get Non-Owner Car Insurance in Louisiana
MoneyGeek’s analysis shows that all the companies mentioned in this guide provide non-owner car insurance. However, non-owner car insurance policy quotes aren’t always available online. Your best option to get a quote is to call these insurers using the phone numbers listed below.
Contact Non-Owner Car Insurance Companies in Louisiana
- CompanyContact Number
- GEICO800-207-7847
- USAA800-531-8722
- State Farm800-782-8332
- Progressive888-671-4405
Frequently Asked Questions About Louisiana Non-Owner Car Insurance
A non-owner policy is quite different from a standard auto insurance policy. The following frequently asked questions about non-owner car insurance in Louisiana might help you understand the difference between both types of car insurance.
Methodology
MoneyGeek collected non-owner car insurance quotes across Louisiana in collaboration with Quadrant Information Services. These policies were for a 40-year-old driver with both a safe driving record and a DUI. All the policies met the minimum car insurance coverage requirements of Louisiana, except for liability insurance policies. These have the following limits:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
The data used for traditional car insurance policies had the same limits as above.