Non-Owner Car Insurance in Louisiana
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Liability protection for drivers in Louisiana who don't own a car.
- The average owner liability cost is $92 each month.
- The minimum liability limits are 15/30/25.
- Its cost ranks 2nd of 51, making it the second-most expensive state (1st = highest).
Who is non-owner insurance for?
- You often drive borrowed or rented cars but don't own one.
- You have no car to insure, and Louisiana asks for an SR-22 filing.
- You'd like to avoid a gap in coverage between cars, since that can raise the next price.
Coverage details
Liability is the only cover included in a non-owner policy. In Louisiana, it must meet the 15/30/25 minimum.
If you cause a crash in a borrowed car, it pays other people. This policy won't repair the car you drive. Usually, the owner's policy pays first.
Policy costs
No official non-owner average exists. Louisiana car owners pay an average of $1,105 each year for liability. Non-owner policies usually cost less because you don't keep a car in your driveway daily.
Learn more about Louisiana car insurance
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