Cheapest Auto Insurance in Metairie, Louisiana (2024)

State Farm offers the cheapest rates in Metairie, starting at $74 per month.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated December 2, 2024

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Cheapest recent rates near Metairie, Louisiana

Recent Metairie, Louisiana car insurance prices for Ford, Nissan, Hyundai , and more.

*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Located along the Gulf of Mexico, Metairie, Louisiana, residents know all about severe weather events like hurricanes, floods, and tropical storms. The threat of these weather events affects the rates Metairie residents pay for car insurance.

The overall average cost of car insurance in Metairie is $216 per month. Drivers in Metairie pay more for car insurance than the Louisiana overall average rate, which is $186 per month.

Quick Facts
  • The average price for liability-only coverage in Metairie is $170, and the average rate for full coverage is $263.

  • Teen drivers in Metairie pay some of the highest rates for car insurance.

  • USAA is the best insurance company for military families living in Metairie.

Top car insurance companies in Metairie 

Many top-rated car insurance companies offer coverage to drivers in Metairie. But the best and cheapest car insurance company in Metairie is different for every driver. Before you choose an auto insurance company, it’s a good idea to compare several car insurance companies to find the best one for your situation, coverage needs, and budget.

Here, you can see three insurers that might appeal to you, depending on your situation. You’ll also find their statewide average rates.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
State Farm9.3$112$63Cheap rates
USAA9.4$141$79Military families
Direct Auto7.3$209$140Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo
4.2
Best choiceBased on 9085 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,997)

Sofia

December 1, 2024

Verified Review

State Farm

I would not recommend them as they are one of the more expensive insurance companies and many of them will overcharge you.

Bernice

December 1, 2024

Verified Review

Fair

The price is too high for the elderly.

Donna

November 30, 2024

Verified Review

It's Okay, Could Be Better

There's too much runaround in getting answers.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is the largest U.S. auto insurer by market share and offers some of the lowest average premiums for drivers in Metairie. State Farm also offers a great selection of discounts in Louisiana for even more savings. Drivers can get discounts for good students, being accident-free, military personnel, insuring a vehicle with safety features, bundling policies, and many others.

Pros
  • Award-winning customer service

  • Great selection of available discounts

Cons
  • Few add-on coverage options

  • Gap insurance not available to all drivers

Best insurer for military families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$93/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
4.9
Best choiceBased on 1616 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (921)

Fannie

November 29, 2024

Verified Review

Excellent

Excellent service.

Susan

November 25, 2024

Verified Review

New to USAA

I have had limited contact with USAA since I started working with them. I wish my car insurance and homeowners policy were less expensive. I drive less than 50 miles a week and feel I am paying too much.

Andrew

November 25, 2024

Verified Review

Great Insurance but Expensive

The customer service and claims process are outstanding.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is a great car insurance company to consider for drivers stationed at the nearby Naval Air Station Joint Reserve Base in New Orleans. USAA only sells car insurance to active-duty military, veterans, and their qualifying family members.

USAA has affordable average rates and a big selection of discounts. It also has some of the best third-party ratings for overall customer satisfaction, claims satisfaction, and financial strength.[1] [2]

Pros
  • Highest third-party ratings

  • Many available discounts

Cons
  • Limited endorsements

  • Only available to eligible military personnel

Best insurer for discounts: Direct Auto

A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$132/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$244/mo
How drivers feel about Direct Auto

Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto

Drivers appreciate the initial low rates and the roadside assistance but dislike the significant rate increases and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (275)

Tammy

November 29, 2024

Verified Review

Okay

My experience was okay until I decided to get a tag. My quote was higher because one letter was entered incorrectly. I feel like it wasn't my fault and I should've received a credit or something, which I did not receive.

Beverlee

November 29, 2024

Verified Review

Direct Auto Insurance

I have tried to change my due date to the last day of the month, but they refused to push it, so I am always late.

Victor

November 4, 2024

Verified Review

Misleading Information

I was initially told that I would pay $170 per month, but I'm currently paying $209 per month.
See all Direct Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Drivers in Metairie pay rates that are higher than the state average, but Direct Auto can help reduce those rates with a wide array of discounts. Direct Auto offers more than a dozen discounts, with savings for good students, safe drivers, military personnel, drivers older than 55, homeowners, bundling your policies, taking a driver education course, and more.

The insurer also offers multiple payment plans and payment options. You can pay your premium online, through the mobile app, over the phone, or pay cash at a local Direct Auto location.

Pros
  • Excellent selection of available discounts

  • Multiple payment plans

Cons
  • Few add-on coverage options

  • Many complaints from customers[3]

How to get the cheapest car insurance in Metairie

Car insurance rates are different for every driver and depend on factors like your ZIP code, age, driving record, vehicle type, and more. Some of these things are out of your control. But you have many ways to get cheap car insurance in Metairie.

Here are some tips for getting the most affordable car insurance for your situation:

  • Compare quotes. It’s a good idea to compare rate quotes from several insurance insurers to find the cheapest policy for your coverage needs and circumstances.

  • Look for discounts. Many car insurance companies offer discounts that can reduce your monthly auto insurance premium.

  • Select high deductibles. Choosing a high deductible for policies like comprehensive insurance will lower your monthly premium. However, make sure you can afford to pay a higher deductible in the event of a claim.

  • Bundle your policies. You can often save money by bundling multiple insurance products from the same company, like car insurance with home insurance or renters insurance.

Find Cheap Car Insurance in Metairie

Minimum coverage policies start at $74 per month

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Cheapest liability-only car insurance in Metairie: State Farm

Liability-only insurance covers your financial responsibilities when you cause an accident that results in someone else’s property damage or injury. But this coverage doesn’t provide any protection for your vehicle damages or injuries after an accident.

In Metairie, the average cost of liability-only car insurance is $170 per month. Below, you can see which companies have the cheapest liability-only insurance in the city.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
State Farm$74
USAA$93
National General$105
Allstate$120
GEICO$120
Direct Auto$132
Root$132
Progressive$142
Clearcover$183
The General$199
Liberty Mutual$209
Safeco$234
Bristol West$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Metairie: State Farm

Full-coverage car insurance includes liability insurance as well as collision insurance, comprehensive insurance, and medical payments insurance. Full coverage is optional for most drivers, but lenders often require it for people who lease or finance their vehicles.

The average full-coverage car insurance premium in Metairie is $263 per month. In the following table, you can see which insurers have the cheapest car insurance in Metairie for full coverage.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
State Farm$126
USAA$158
Allstate$205
GEICO$206
National General$209
Root$225
Progressive$243
Direct Auto$244
Clearcover$293
Liberty Mutual$314
Safeco$346
The General$399
Bristol West$478
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Metairie, Louisiana

Recent Metairie, Louisiana car insurance prices for Chevrolet, Nissan, Toyota , and more.

*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Louisiana

Louisiana requires all vehicle owners to carry a minimum amount of car insurance. The state minimum liability insurance limits are 15/30/25, but insurance professionals typically recommend that vehicle owners purchase higher coverage limits.[4] This is because the minimum amount of liability insurance may not provide sufficient financial protection in the event of an at-fault accident.

You can see how 15/30/25 breaks down in the table below.

Coverage
Minimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$25,000 per accident

In addition to the required coverages, many Louisiana drivers can benefit from adding endorsements to their policy. Here are some of the most common optional car insurance policies that you might consider:

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    This policy pays for basic roadside car repairs and services, such as fuel delivery, flat-tire changes, battery replacements, and towing, up to a certain distance.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    If you lease or finance your car, having gap insurance can be a good investment. If your car gets totaled and you have negative equity, gap insurance will pay the difference between the car’s diminished value and what you still owe.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    Accident forgiveness waives your first at-fault accident so your premium doesn’t increase. Accident forgiveness often only applies to accidents under a certain monetary limit.

Cheapest car insurance for drivers with an incident

Drivers with incidents on their record, including speeding tickets and at-fault accidents, usually pay higher rates for car insurance than people with a clean record. Violations that are more serious, like driving under the influence, often have the biggest effect on rates. People with these types of incidents on their record are riskier to insure, so insurance companies charge them higher rates.

You can see how certain incident types affect your rates in the table below.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
State Farm$74$97$102$125
USAA$93$123$130$156
National General$105$139$146$177
Allstate$120$158$167$202
GEICO$120$159$168$202
Direct Auto$132$175$188$222
Root$132$187$197$200
Progressive$142$186$200$239
Clearcover$183$243$274$308
The General$199$269$283$335
Liberty Mutual$209$296$310$352
Safeco$234$313$325$355
Bristol West$241$321$336$405
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is one of the biggest factors that can affect the cost of auto insurance. Teen drivers pay the most expensive rates because they’re statistically more likely to be involved in accidents.[5]

Rates usually decrease around age 35 and increase again around age 70. Like young drivers, older drivers have higher accident rates and are more likely to make driving errors that can lead to a crash.[6]

Below, you can see the average cost of car insurance in Metairie for drivers based on age group.

Age
Average Monthly Quote
Teens$658
20s$441
30s$328
40s$295
50s$267
60s$271
70s$268
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Metairie

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Metairie car insurance quotes by credit tier

When calculating premiums, insurance companies in Louisiana are allowed to consider a person’s credit history as a way to gauge how risky a driver will be to insure. This means drivers with excellent credit scores usually pay less for car insurance than people with poor credit scores

Below, you can see the average monthly car insurance premium for Metairie drivers in different credit tiers.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Metairie car insurance FAQs

Looking for more information to help you find the most affordable car insurance in Metairie? Consult the answers below.

  • How much is car insurance in Metairie?

    The average monthly rate for car insurance in Metairie is $216. The average monthly rate for liability coverage is $170, and the average monthly rate for full coverage is $263.

  • Which company has the cheapest car insurance in Metairie?

    State Farm offers the cheapest rates in Metairie, starting at $74 per month. Metairie drivers can also find low rates with USAA and National General, the city’s second- and third-cheapest insurers, which offer liability rates as low as $93 and $105 per month, respectively.

    But the rates you’re offered may differ. That’s why it’s important to shop around to find the most affordable coverage for your needs.

  • What are the best car insurance companies in Metairie?

    State Farm, USAA, and Direct Auto rank as three of the top insurers in Metairie.

    State Farm continually offers some of the area’s most affordable rates, and USAA remains a top pick for area military members. Direct Auto, meanwhile, offers numerous discounts that can help make Metairie’s considerably higher average rates more affordable.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. AM Best. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
  3. NAIC. "Results by complaint index."
  4. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
  5. CDC. "Teen Drivers and Passengers: Get the Facts."
  6. CDC. "Older Adult Drivers."
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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