Question 1

What does non-owner car insurance cover in Louisiana?

Accepted Answer

A Louisiana non-owner policy provides bodily injury and property damage liability coverage — at minimum 15/30/25 — when you drive a car you do not own. It does not cover physical damage to the vehicle you are driving, as it carries no collision or comprehensive coverage. The policy is secondary, meaning it pays only after any coverage on the car itself is exhausted.

Question 2

Can I get an SR-22 without owning a car in Louisiana?

Accepted Answer

Yes. Louisiana allows non-owner SR-22 filing through carriers that write non-owner policies. The insurer files the SR-22 certificate with the Louisiana OMV, satisfying the state's proof of financial responsibility requirement for the mandated period — typically 3 years for DUI-related suspensions. Geico, Progressive, State Farm, National General, Bristol West, Direct Auto, and The General write non-owner SR-22 policies in Louisiana.

Question 3

Which carriers write non-owner insurance in Louisiana?

Accepted Answer

Geico, Progressive, USAA, and The General write non-owner policies in Louisiana. For drivers needing SR-22 filing, Geico, Progressive, State Farm, National General, Bristol West, Direct Auto, and The General offer non-owner SR-22 coverage. Not all carriers writing standard auto insurance in Louisiana write non-owner policies, so comparing the subset that does is essential.

Question 4

How long do I need to keep a non-owner SR-22 in Louisiana?

Accepted Answer

Louisiana requires SR-22 filing for 3 years after DUI convictions and certain serious violations. The filing period is measured from the conviction or suspension date, not the filing date. You must maintain continuous coverage for the full period; if the policy lapses, the insurer notifies the Louisiana OMV and your license may be suspended again.

Question 5

Does a non-owner policy cover rental cars in Louisiana?

Accepted Answer

A Louisiana non-owner policy provides liability coverage when you drive a rental car, but it does not cover physical damage to the rental vehicle itself. Most rental agencies offer collision damage waivers to cover the car; your non-owner policy covers liability for injuries or property damage you cause to others.

Question 6

What is Louisiana's No Pay, No Play law and how does it affect non-owner drivers?

Accepted Answer

Louisiana's No Pay, No Play law (La. R.S. 32:866) restricts uninsured drivers from recovering the first $15,000 in bodily injury and $25,000 in property damage from an at-fault insured driver. A non-owner policy keeps you insured and exempt from this restriction, preserving your full recovery rights if hit by another driver.

Question 7

Can I get a Louisiana Restricted License with a non-owner SR-22?

Accepted Answer

Yes. Louisiana allows drivers under DUI suspension to obtain a Restricted License after serving the mandatory hard suspension period — typically 90 days for a first offense. You must file a non-owner SR-22, install an ignition interlock device, and meet other OMV requirements. The Restricted License permits driving for employment, school, medical appointments, and other court- or OMV-defined necessary purposes.

Coverage	Minimum
Bodily Injury (per person)	$15,000
Bodily Injury (per accident)	$30,000
Property Damage	$25,000

Non-Owner Car Insurance — Louisiana

Louisiana Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

Find Your City in Louisiana

New Orleans

Baton Rouge

Shreveport

Metairie

Lafayette

Lake Charles

Kenner

Monroe

Frequently Asked Questions

Get Your Free Quote in Louisiana