GEICO is the cheapest non-owner car insurance provider for Louisiana drivers with clean records at $57 monthly. This rate is less than the state average of $69. Check the table below to compare other affordable options.
Cheapest Non-Owner Car Insurance in Louisiana
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Louisiana: Key Takeaways
State Farm offers the cheapest non-owner SR-22 car insurance in Louisiana for drivers with an incident, costing about $79 per month.
This insurance covers you when driving a car you don't own, as long as you meet the state's minimum coverage requirements.
Non-owner insurance is ideal for those who frequently borrow or rent cars or need an affordable way to reinstate their license.
Cheapest Non-Owner Car Insurance in Louisiana
| GEICO | $686 | $57 |
| State Farm | $838 | $70 |
| Progressive | $1,188 | $99 |
Cheapest Non-Owner SR-22 Car Insurance in Louisiana
State Farm is Louisiana's most affordable provider of SR-22 non-owner policies, with a monthly rate of $79, cheaper than the state average of $115 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $944 | $79 |
| GEICO | $1,146 | $96 |
| Progressive | $2,061 | $172 |
How Much Is Non-Owner Car Insurance in Louisiana?
In Louisiana, the average non-owner car insurance cost is $69 monthly, above the national average of $43. For SR-22 coverage, drivers pay an average of $115, compared to the $48 national average. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Louisiana Average Cost
Monthly Premium
$69On average, non-owner car insurance in Louisiana is:$26 more
This is 60% more expensive.
Louisiana Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is the right choice. It explains what it is, how it differs from regular insurance, typical costs and who might benefit most.
What Is Non-Owner Car Insurance?
If you drive often but don't own a car, non-owner car insurance suits you. It covers costs if you hurt someone or damage their property while driving. It's like having the state-required minimum coverage without owning a car. Below, see how it compares to regular policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Louisiana Allow Non-Owner Car Insurance?
Louisiana permits non-owner insurance for drivers who don't own a vehicle but still want to be insured. If you must file an SR-22, you can purchase a non-owner policy to meet your state's minimum coverage requirements.
LOUISIANA MINIMUM INSURANCE REQUIREMENTS
Louisiana's minimum coverage requirements apply to non-owner car insurance as well. The minimum limits are:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Consider how much coverage you need before purchasing a policy. Going beyond the minimum can provide better protection and peace of mind in some cases.
Should You Get Non-Owner Car Insurance in Louisiana?
Those who drive but don’t own a car may want to consider non-owner insurance. It covers costs if you cause an accident and is a good option for those who frequently rent cars or use car-sharing services. Non-owner policies are usually more affordable than standard auto insurance.
AVOID ONE-DAY CAR INSURANCE
Exercise caution with "one-day insurance" offers in Louisiana, as they aren't legitimate and may signal fraud. Consider purchasing insurance through a car rental company, which is safer if you need temporary coverage for a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance provides coverage when driving someone else's vehicle, protecting from out-of-pocket expenses in case of an at-fault accident.
Occasional renters
Non-owner car insurance is an affordable alternative to rental agency insurance, providing coverage without the added cost of daily rental insurance fees.
Drivers between cars
Drivers without a vehicle who plan to own one in the future should maintain non-owner insurance to avoid a coverage lapse, which can lead to higher premiums later.
License reinstatement-seekers
Drivers looking to reinstate their license after a suspension may need proof of insurance. A non-owner policy can meet this requirement without requiring vehicle ownership.
WHAT IS SR-22 INSURANCE?
An SR-22 is a form your insurer files with the DMV to prove you have minimum coverage. This Certificate of Financial Responsibility (CFR) is often required for drivers with a DUI or without insurance.
Cheap Non-Owner Car Insurance in Louisiana: Bottom Line
Louisiana offers non-owner car insurance, including options for drivers who need SR-22 forms. GEICO is the most affordable choice, followed by State Farm and Progressive. To get the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Louisiana: FAQ
Find answers to common questions about non-owner car insurance in Louisiana below.
Which company offers the cheapest non-owner car insurance in Louisiana?
GEICO provides the most affordable non-owner car insurance in Louisiana, with a monthly cost of $57. For SR-22 insurance, State Farm offers the lowest rate at $79.
How much does non-owners car insurance cost in Louisiana?
In Louisiana, non-owner car insurance typically costs about $822 annually or $69 monthly. For drivers needing SR-22, the cost averages $1,384 annually or $115 monthly.
Louisiana Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Louisiana auto insurance rates by collecting data from the Louisiana Department of Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Louisiana using minimum coverage policies. The state-required minimum coverage includes:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Louisiana
To find the best and most affordable companies for non-owner car insurance in Louisiana, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.