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Cheap Auto Insurance Quotes in Metairie, LA (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Some errands can be completed on foot in Metairie, but most residents rely on their cars to get to work, commuting an average of about 21 minutes to get there. Having a comprehensive car insurance policy is essential to staying safe and legal on the road in Metairie.

Car Insurance in Metairie, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Metairie, LA to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Metairie is $336 per month, or $4032 annually.
  • Car insurance in Metairie is $61 more than the average cost of car insurance in Louisiana.
  • The cheapest car insurance provider in Metairie on average is National General, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Allstate
$174
State Farm
$238
Progressive
$341
American Family
$532

Cheapest Car Insurance in Metairie, LA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in MetairieQuotes
Allstate$174 /mo
State Farm$238 /mo
Progressive$341 /mo
American Family$532 /mo

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Best Car Insurance in Metairie, LA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Metairie. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$222 /mo
American Family89$293 /mo

Average Car Insurance Cost

Louisiana Cities
New Orleans$418/mo
Baton Rouge$240/mo
Shreveport$263/mo
Lafayette$331/mo
Metairie$321/mo
Louisiana$315/mo
Baton Rouge
$240
Shreveport
$263
Average for LA
$315
Metairie
$321
Lafayette
$331
New Orleans
$418
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Louisiana

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Louisiana are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Metairie Car Insurance Rates by Driver Age

In Metairie, all but the most affluent teenagers will have a tough time paying $797 per month for car insurance, a price that could be a rent payment in much of the country. As driving experience increases in the Pelican State, prices decrease. Twentysomethings see an immediate $400 reduction in price. The rest of the ages, except people in their 40s, get their monthly premiums below the state average of $333. Those in their 70s get the best deal and pay less than a third of what the youngest drivers do.

Driver's AgeAvg. Monthly Cost
teens$797
20s$354
30s$258
40s$383
50s$253
60s$233
70s$219
80sN/A

Metairie Car Insurance Rates by Driving and Accident History

Drivers in Metairie recognize that safe driving is also smart driving. The insurance companies agree and give “good driver” and “accident-free” discounts to those with clean records. Running a red light or stop sign carries a hefty price of $526 per month, an increase of over $250 per month, or $3,000 per year. But there is light at the end of the tunnel because, after three years, tickets and accidents stop affecting insurance rates.

Driving HistoryAvg. Monthly Cost
No Violation$265
Speeding Ticket$370
At-Fault Accident$431
Failure to Stop for Red Light / Stop Sign$527

Metairie Car Insurance Rates by Credit Tier

Louisianans are puzzled at just how credit affects their ability to drive. But the state allows insurance companies to factor in credit history when setting rates. They argue that the data shows a correlation between the two things. If so, why do those with excellent credit pay $18 more than those with good credit? Those with better credit may finance costlier vehicles and need higher coverage levels to protect their assets. Either way, going from poor or average credit to good credit can save drivers over $100 per month.

Credit TierAvg. Monthly Cost
Excellent$239
Good$222
Average$344
Poor$367

Find local Metairie agents

  • Paulin Insurance Associates, LLC

    2555 Severn Ave.,
    Suite 110, Metairie, LA 70002
  • Eagan Insurance Agency

    2629 North Causeway Blvd.,
    Metairie, LA 70002
  • Financial Assurance, LLC

    6620 Rverside Dr.,
    Suite 210, Metairie, LA 70003
  • 'The O''Connor Insurance Group, LLC'

    2450 Severn Ave,
    Metairie, LA 70001
  • Clockwork Insurance Services, Inc.

    2329 SEVERN AVE,
    Suite 200, METAIRIE, LA 70001-1924
  • MB Insurance Agency, LLC

    3344 Metairie Rd.,
    Metairie, LA 70004
  • TWFG - Rick Rogers Insurance

    110 Veterans Memorial Blvd.,
    Metairie, LA 70005
  • Essential Insurance Financial Group.

    3445 N Causeway Blvd Ste 903,
    Metairie, LA 70002-3757
  • Capstone Insurance, LLC

    3333 W. Napoleon Ave.,
    Suite 102, Metairie, LA 70001
  • Donnaway Insurance, Inc.

    6620 Riverside Dr. Suite 315,
    Metairie, LA 70003
View more

Metairie, LA DMV Information

While there are no Office of Motor Vehicle outposts in Metairie, residents can visit offices in the surrounding Jefferson Parish. There are offices in Harvey, Jennings, Kenner, and Westwego.

Public Transportation in Metairie, LA

While Jefferson Transit runs buses through portions of Metairie, fewer than 1 percent of residents use the system as their main mode of transportation. In Metairie, 81% of residents drive alone to work and an additional 11 percent carpool. Households have an average of two cars, so most families will need a car insurance policy that will cover both of their vehicles. Uber and Lyft operate in Metairie, and there are a few options for taxi services as well, so it’s possible to get around if your car is out of commission.

How to get the best and cheapest car insurance in Metairie, LA

You’ll need at least $15,000 per person and $30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage to drive legally in Metairie, and you can expect steep fines if you’re caught without proof of insurance. If you have a loan or lease your car, you may need full coverage.

And even if you own your car outright, you may want a comprehensive policy with uninsured motorist coverage since an estimated 13 percent of drivers in Louisiana do not carry insurance. To ensure you get the coverage you need at a price you can afford, use Insurify to compare premiums across insurance providers.

FAQs - Metairie, LA Car Insurance

  • No. Louisiana is an at-fault state, which means the driver who causes the accident is held financially responsible for damages and injuries incurred by the other driver. That’s why you need to carry liability insurance in Louisiana.
  • Car insurance in Metairie is pricey. The average monthly premium in Metairie is $321, which is comparable to the state average but well above the national average. Fortunately, you may not have to pay that much if you use a comparison tool such as Insurify to get customized quotes from multiple insurers. This can help you snag a lower rate.
  • Your auto insurance premium will depend on many individual factors, such as your driving history, age, gender, and even your credit score and occupation. When comparing rates for a 30-year-old man with a clean driving record, we found that Allstate had the lowest rates in Metairie.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Metairie Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Metairie, Louisiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Metairie drivers measure up to their fellow motorists across Louisiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

toyota

Toyota Camry

Most Popular Car in Metairie

#13

City with the Most Speeding Tickets Rank in Louisiana

#22

City with the Most Moving Violations Rank in Louisiana

#5

City with the Most DUIs Rank in Louisiana

#51

City with the Most Suspended Licenses in Louisiana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Metairie drivers rank 2 in the number of car accidents per driver across all cities in Louisiana.

    • Rank within state: #2
    • Percent of drivers in Metairie with an accident: 12.15%
    • Drivers in Metairie, LA with an accident in their driving history pay on average 33.01% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Metairie drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Metairie with a speeding ticket: 6.47%
    • Drivers in Metairie, LA with a speeding ticket in their driving history pay on average 16.34% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Metairie drivers rank 5 in the number of DUI’s per driver across all cities in Louisiana.

    • Rank within state: #5
    • Percent of drivers in Metairie with a DUI: 1.72%
    • Drivers in Metairie, LA with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Metairie is the Toyota Camry.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Louisiana, Metairie drivers rank 1 in rude driving infractions.

    • Rank within state: #1
    • Percent of drivers in Metairie with a reckless driving violation: 1.72%
    • Drivers in Metairie, LA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Metairie drivers rank 7 in clean driving records across all cities in Louisiana.

    • Rank within state: #7
    • Percent of drivers in Metairie with clean record: 81.64%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Metairie drivers rank 8 in failure to yield violations per driver across all cities in Louisiana.

    • Rank within state: #8
    • Percent of drivers in Metairie with a failure to yield violation: 0.13%
    • Drivers in Metairie, LA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Louisiana, Metairie drivers rank 5 in the number of reckless driving offenses per driver.

    • Rank within state: #5
    • Percent of drivers in Metairie with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Metairie drivers rank 13 in hybrid and electric vehicle ownership across all cities in Louisiana.

    • Rank within state: #13
    • Percent of drivers in Metairie with a hybrid/electric vehicle: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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