- Cheapest non-owner car insurance companies in Louisiana
- Best non-owner car insurance in Louisiana
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Louisiana
- Non-owner car insurance in Louisiana by age and gender
- Non-owner vs. traditional car insurance
- What does Louisiana non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Louisiana
- Methodology
- Compare Louisiana non-owners car insurance rates with other states
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.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $236 | $20 |
| State Farm | $249 | $21 |
| Progressive | $625 | $52 |
| USAA | $241 | $20 |
Best non-owner car insurance in Louisiana
Although State Farm came out on top, GEICO and Progressive are also excellent choices for providing 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.
The table below compares the top 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 |
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
GEICO is another great option for non-owner car insurance in Louisiana, with average rates of $236 per year. It has an AM Best rating of A++ and a low 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+.
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
The average cost of non-owner car insurance in Louisiana is $330, but your rate may differ depending on your driving record, age and the coverage you choose.
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 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Louisiana won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
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 shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $330 |
| Traditional state minimum policy | $722 |
| State minimum car insurance limits | 15/30/25 |
What does Louisiana non-owner car insurance cover?
A Louisiana non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Louisiana, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in 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.
In Louisiana, non-owner car insurance costs an average of $330, with GEICO offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios 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 from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Louisiana non-owners car insurance rates with other states
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