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

Which companies offer the cheapest non-owner car insurance in Louisiana?

Southern Farm Bureau has the cheapest non-owner car insurance in Louisiana, with average annual rates of $57. GEICO is the second-cheapest option at $276 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Louisiana.

Company	Average annual premium	Average monthly premium
Southern Farm Bureau	$57	$5
GEICO	$276	$23
Progressive	$1,007	$84
USAA	$302	$25

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What are the best non-owner car insurance companies in Louisiana?

The best non-owner car insurance companies in Louisiana are GEICO, and Progressive, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced 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	A.M Best	Overall score
GEICO	$276	670	0.60	A++	5.00
Progressive	$1,007	645	0.60	A+	2.67
USAA	$302	749	1.16	A++	4.46

Read our methodology

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

Explore our top recommendations for non-owner car insurance in Louisiana.

GEICO

Our top choice for non-owner car insurance in Louisiana is GEICO, with an average rate of $276 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Progressive

Another excellent choice for non-owner car insurance in Louisiana is Progressive. Average rates are $1,007 annually. Progressive has an AM Best rating of A+ and an NAIC complaint ratio of 0.60.

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.

How much does non-owner car insurance cost in Louisiana?

The average cost of non-owner car insurance in Louisiana is $410 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Louisiana by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Louisiana, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Louisiana by age and gender.

Age group	Male	Female
Teens (16-19)	$2,120	$1,887
Young Adults (20-24)	$669	$640
Adults (25-60)	$418	$421
Seniors (65-75)	$428	$425

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Do you need non-owner car insurance in Louisiana?

You may need non-owner car insurance in Louisiana if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Louisiana doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Non-owner car insurance is cheaper because drivers without vehicles drive less often and file fewer claims. This coverage also acts as secondary insurance, meaning the car owner's policy pays first. Non-owner insurance may apply only after the vehicle owner's liability limits are exhausted.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$410
Traditional state minimum policy	$1,033
State minimum car insurance limits	15/30/25

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What does Louisiana non-owner car insurance cover?

Non-owner car insurance in Louisiana generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are 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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Louisiana costs an average of $410, with Southern Farm Bureau offering the lowest rates. Our analysis found that GEICO is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your 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.

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++.

FAQ: Non-owner car insurance in Louisiana

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

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in Louisiana?

No. Non-owner insurance does not cover business driving, including rideshare or delivery work. Drivers working for Uber, Lyft or food delivery apps need rideshare or commercial auto insurance.