120+ more*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on October 17, 2026. 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 October 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Metairie drivers pay an average of $171 per month for car insurance, with liability-only coverage averaging $130 per month and full-coverage policies averaging $211 per month. That’s significantly higher than the Louisiana state average of $157 per month and the national average of $143 per month.
As Louisiana’s fourth-largest city and the most densely populated city in the state, the sheer number of drivers on the road likely contributes to this city’s above-average rates.[1] Additionally, the threat of serious flooding that hangs over the region and occasional hurricanes likely affect costs.[2]
Notably, rates are significantly higher in nearby New Orleans, but Slidell residents pay lower rates than drivers in Metairie.
Louisiana requires drivers to carry a minimum amount of car insurance. You’ll need a policy with at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage to legally drive on public roads.[3]
Metairie drivers often find the cheapest rates through State Farm. The table below shows the cheapest liability-only car insurance rates in Metairie.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| National General | $68 |
| Progressive | $68 |
| USAA | $71 |
| Allstate | $86 |
| GEICO | $95 |
| Direct Auto | $96 |
| The General | $114 |
| Bristol West | $130 |
| Root | $158 |
| Safeco | $172 |
| Hugo | $268 |
Liability quotes start at $57/mo.
While drivers only need a minimum-coverage policy to legally drive in Metairie, many opt to purchase a full-coverage policy. On average, Metairie drivers pay $211 per month for full coverage.
Full coverage includes both comprehensive coverage and collision coverage, in addition to liability. After an incident, like a flood or hurricane, a full-coverage policy can help you repair or replace your vehicle, as comprehensive insurance covers incidents outside of a standard crash.
The table below highlights the cheapest rates for full-coverage car insurance in Metairie.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $127 |
| National General | $154 |
| USAA | $160 |
| Progressive | $161 |
| Allstate | $189 |
| GEICO | $214 |
| Direct Auto | $222 |
| Safeco | $290 |
| Root | $300 |
| Bristol West | $310 |
| The General | $363 |
Louisiana drivers pay an average of $157 per month for car insurance. That’s quite a bit less than what Metairie drivers pay, at an average of $171 per month.
One explanation for the elevated rates could be the city’s relatively high population density compared to other Bayou State cities. Additionally, the city’s position on Lake Pontchartrain, regular flooding events, and occasional hurricanes could affect rates.
Residents of nearby New Orleans face even higher car insurance costs, averaging $190 per month. But cities further away from the coast, like Shreveport, have lower rates.
You can explore average rates across the state in the table below.
City | Average Monthly Quote |
|---|---|
| Houma | $124 |
| Bossier City | $128 |
| Shreveport | $132 |
| Alexandria | $144 |
| Lafayette | $151 |
| Lake Charles | $156 |
| Slidell | $157 |
| Baton Rouge | $178 |
| New Orleans | $190 |
Metairie drivers pay more for car insurance than drivers in most parts of Louisiana. The city’s relatively large population and crowded roads make it easier to get into an accident and likely contribute to the above-average rates. Beyond busy roads, regular flooding events and occasional hurricanes can make the roads perilous.
*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on October 17, 2026. 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 October 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance companies take many factors into account when determining premiums. One key factor is your driving history. Drivers with a clean driving record typically pay less for coverage than drivers with a past incident.
Here’s a look at the cheapest companies by driving record for Metairie drivers:
Cheapest car insurance for Metairie drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Metairie: State Farm
Cheapest car insurance for Metairie drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with an OWI in Metairie: State Farm
Because Louisiana is an at-fault state, drivers who cause an accident must pay the other driver’s medical bills and car repairs.[4]
In Metairie, 3% of drivers have a ticket on their driving record, 5% have an accident, and 0.5% have an operating while impaired (OWI) conviction, according to Insurify data. Drivers can expect to pay more for car insurance after any incident lands on their driving record.
The following table showcases the average monthly insurance costs for Metairie drivers by driving history.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $171 |
| Speeding ticket | $220 |
| At-fault accident | $239 |
| OWI | $223 |
As a neighbor to New Orleans, Metairie tends to draw a crowd. In fact, almost anyone who flies into Louis Armstrong International Airport will make their way to the French Quarter on Interstate 10, which runs right through Metairie.
When events come to New Orleans, you can expect traffic to get heavier in Metairie, too. For example, Mardi Gras spills out of New Orleans and into Metairie. With several parades in Metairie every Mardi Gras, the celebration affects traffic here, too. A few of the roadways that tend to back up during major events across town include I-10, Pontchartrain Expressway, Veterans Memorial Boulevard, and Airline Drive.
Most of the city is prone to flooding. During heavy rain, water can quickly make roads dangerous. If possible, stay off the roads during major rain events.
The Insurance Research Council estimates that 14% of Louisiana drivers are uninsured. Keep in mind that it’s illegal to drive without insurance. If law enforcement catches you driving without insurance, you could face a fine of up to $500 and a license suspension.[5] Louisiana also has a “No-Pay, No-Play” law that prevents uninsured drivers from getting insurance payouts.[6]
Metairie drivers spend an average of 22 minutes commuting each way every day, according to U.S. census data. But ongoing construction projects tend to create backups. For example, Jefferson Parish plans to close Jupiter Street between Columbo Drive and Harvey Boulevard until 2027, according to Parish reports.
When there’s a celebration or event in nearby New Orleans, like Jazz Fest or a concert at the Superdome, you can expect heavier traffic in Metairie, too. All these events increase the likelihood of an accident, so insurers may charge higher rates to mitigate the risk.
Monthly rates start at $71 for Metairie drivers with an incident
Louisiana teens can get on the road as early as age 15 through a learner’s permit. After completing at least 50 hours of supervised driving, teen drivers can apply for an intermediate license before becoming eligible for a standard Class E license at age 17.[7]
On average, Metairie teens pay $130 per month for liability insurance. The table below highlights the companies with the cheapest liability-only car insurance rates for teenage drivers in Metairie.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $109 |
| Progressive | $124 |
| USAA | $129 |
| National General | $134 |
| Allstate | $156 |
| GEICO | $171 |
| Direct Auto | $186 |
| The General | $205 |
| Bristol West | $229 |
| Root | $237 |
| Safeco | $350 |
| Hugo | $487 |
About 21% of Metairie residents are at least 65 years old, according to the U.S. Census Bureau. Generally, car insurance companies offer lower rates to more mature drivers with a lot of experience behind the wheel. In Metairie, senior drivers can find the cheapest rates through State Farm, Progressive, and National General.
The data below shows the cheapest rates for senior drivers in Metairie.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $47 |
| National General | $57 |
| USAA | $61 |
| Progressive | $65 |
| GEICO | $80 |
| Allstate | $82 |
| Direct Auto | $83 |
| The General | $102 |
| Bristol West | $114 |
| Root | $153 |
| Safeco | $158 |
| Hugo | $256 |
If you have questions about getting car insurance in Metairie, Louisiana, the following answers may help.
Metairie drivers pay an average of $171 per month for auto insurance.
State Farm offers Metairie drivers the cheapest liability rates, averaging $57 per month.
You can request a quote from each individual company or use a comparison shopping tool to quickly explore your options. Also, explore discount opportunities to find cheaper rates. For example, you might save by bundling policies, like home or renters insurance, with your auto insurance.
A few of the best car insurance companies in Metairie include Farmers, State Farm, Progressive, USAA, and GEICO.
Louisiana state law requires drivers to carry an insurance policy with at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
