Cheapest and Best Non-Owner Car Insurance in Louisiana (2024)

Non-owner car insurance offers basic auto liability coverage for consumers who don't own a car but still drive. This insurance is perfect for drivers who frequently borrow vehicles or benefit from continuous auto insurance coverage. It can also assist drivers in reinstating suspended or revoked licenses after a traffic violation, like a DUI.

Louisiana drivers can rely on GEICO as the most cost-effective non-owner car insurance provider, striking the ideal balance between affordability and exceptional service. For Louisiana drivers seeking non-owner car insurance following a traffic offense, MoneyGeek recommends State Farm for cheap policies.

MoneyGeek’s analysis found that GEICO and State Farm are the top two companies offering Louisiana’s most affordable non-owner car insurance.

• Drivers with clean records: GEICO ($57 per month)
• Drivers with violations: State Farm ($79 per month)

On average, drivers with violations on their records can expect to shell out an extra $22 per month compared to consumers with clean driving histories.

GEICO and State Farm are Louisiana’s cheapest non-owner auto insurance providers for residents with perfect driving records.

• GEICO: $57 per month
• State Farm: $70 per month

At about $48 monthly, USAA outperforms its competitors in terms of affordability. However, this insurer is exclusively for veterans, active military personnel and their close relatives.

The state’s average rate for cheap non-owner policies is $64 per month, significantly more expensive than the national monthly average of $43.

State Farm and GEICO offer the lowest average rates for Louisana drivers seeking affordable non-owner SR-22 car insurance.

• State Farm: $79 per month
• GEICO: $96 per month

Louisiana’s military community can obtain low-cost SR-22 insurance through USAA at about $71 per month. Drivers with violations, such as DUIs or at-fault accidents, may be required to file an SR-22. These severe traffic offenses can result in increased insurance rates for consumers.

Louisiana's most affordable SR-22 non-owner car insurance policies average $88 per month, higher than the national average of $59.

Non-owner car insurance is a specialized insurance policy for individuals who frequently drive vehicles they don't own, such as rentals or borrowed cars. In Louisiana, these plans provide liability coverage for property damage or bodily injury to others if you are at fault in an accident. However, it doesn't cover damages to the vehicle you drove or your personal injuries. See the table below to explore the coverage differences between non-owner car insurance and a full coverage policy.

In Louisiana, the average monthly cost of car insurance for non-owners is $69, significantly higher than the national average of $43 per month. However, personal factors like age, the vehicle's make and model and your driving record can impact your insurance premiums more than your location.

The best non-owner auto insurance providers in the Pelican State are:

• GEICO: MoneyGeek score of 70 out of 100 ($57 per month)
• State Farm: MoneyGeek score of 64 out of 100 ($70 per month)
• Progressive: MoneyGeek score of 47 out of 100 ($99 per month)

MoneyGeek's company analysis considers cost-effectiveness, J.D. Power's customer satisfaction ratings and AM Best's financial resilience assessments. Below, we summarize our reviews of these top three industry providers to aid you in choosing the perfect insurer for your driving profile.

Non-owner car insurance policies in Louisiana cater to a specific group of drivers who don't own a vehicle but still require coverage. The following types of drivers may find non-owner car insurance particularly beneficial.

Below are answers to common questions about non-owner car insurance in Louisiana. These can help you better understand the state’s auto insurance market and your policy options.