Cheapest non-owner car insurance companies in Louisiana

The cheapest non-owner car insurance in Louisiana is from Geico, with an average rate of $236. The second most affordable option in Louisiana is State Farm, with an average rate of $249.

The table below shows the most affordable non-owner car insurance companies in Louisiana.

CompanyAverage annual premiumAverage monthly premium
Geico$236$20
State Farm$249$21
Progressive$625$52
USAA$241$20
Data updated in 2024
Read our methodology

Best non-owner car insurance in Louisiana

While State Farm is the top choice, Geico and Progressive are also great options for non-owner coverage.

To find the best non-owner car insurance companies in Louisiana, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

The table below shows a comparison of the best non-owner car insurance companies in Louisiana.

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
State Farm$2498070.70A++3.68
Geico$2368470.91A++3.66
Progressive$6258280.65A+2.56
Data updated in 2024
Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Louisiana.

State Farm

Our number one pick for non-owner car insurance in Louisiana is State Farm. The average rate for liability coverage is $249. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.

Geico

Another excellent choice for non-owner car insurance in Louisiana is Geico. Average rates are $236 annually. Geico has an AM Best rating of A++ and an NAIC complaint ratio of 0.91.

Progressive

Our third choice is Progressive, with an average rate of $625. It has an NAIC complaint ratio of 0.65 and an AM Best rating of A+.

Non-owner car insurance in Louisiana by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Louisiana.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Louisiana rates for non-owner car insurance based on age and gender.

Age groupFemaleMale
Teens (16-19)$495$477
Young Adults (20-24)$390$384
Adults (25-60)$325$331
Seniors (65-75)$349$338
Data updated in 2024
Read our methodology

Average annual rates for non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Louisiana doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policyTraditional state minimum policyState minimum car insurance limits
$330$72215/30/25
Data updated in 2024
Read our methodology

Average cost of non-owner car insurance in Louisiana

The average cost of non-owner car insurance in Louisiana is $330, but rates may vary based on factors such as your driving record, age, and coverage level.

The bottom line: Non-owner car insurance in Louisiana

Louisiana drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owners car insurance averages $330 in Louisiana, and Geico offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Shop around to find the best Louisiana non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

tip iconExpert's Insight "Consumers may think it's only important to maintain insurance when they own a vehicle, without realizing that gaps in insurance coverage might disqualify them from the benefit of certain discounts. Some individuals will cancel their auto policy when they're between vehicles or simply don't have regular access to a vehicle. Demonstrating a history of continuous insurance coverage can not only help you qualify for future discounts but can also provide you protection and peace of mind in the event you are involved in an accident while driving, or even riding in, someone else's car. A non-owner policy is an inexpensive way to accomplish both," says Rick Kautzer, director of product management at Dairyland Insurance.

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume. Overall customer satisfaction ratings were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

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