Non-owner car insurance in Louisiana: Best and cheapest companies

Cheapest non-owner car insurance companies in Louisiana

GEICO is the cheapest non-owner car insurance in Louisiana, with rates averaging $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.

Company	Average annual premium	Average monthly premium
GEICO	$236	$20
State Farm	$249	$21
Progressive	$625	$52
USAA	$241	$20

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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.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
State Farm	$249	807	0.70	A++	3.68
GEICO	$236	847	0.91	A++	3.66
Progressive	$625	828	0.65	A+	2.56

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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

State Farm is our top choice for non-owner car insurance in Louisiana. Its average annual non-owner car insurance cost is $249. State Farm has an AM Best score of A++ and a low 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 pick is Progressive. Progressive rates average $625. Its NAIC complaint ratio is 0.65, and it has a rating of A+.

PEOPLE ASK:

Do I need Louisiana non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Louisiana

Non-owners car insurance in Louisiana costs $330. However, the rates may differ based on factors such as your driving record, age and coverage level.

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 group	Female	Male
Teens (16-19)	$495	$477
Young Adults (20-24)	$390	$384
Adults (25-60)	$325	$331
Seniors (65-75)	$349	$338

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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 policy	$330
Traditional state minimum policy	$722
State minimum car insurance limits	15/30/25

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What does Louisiana non-owner car insurance cover?

A Louisiana non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Louisiana minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Louisiana

Drivers in Louisiana may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.

Non-owner car insurance in Louisiana costs an average of $330, with GEICO offering the lowest rates. Our analysis found that State Farm is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Take the time to compare options to find the best non-owner car insurance in Louisiana. Use the tool above to easily compare non-owner insurance providers near you.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 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++.