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Cheap Auto Insurance Quotes in Metairie, LA (January 2022)
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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.
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All motor vehicles operated or parked on Louisiana roadways are required to be insured.
Bodily injury liablity coverage
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.
|Failure to Stop for Red Light / Stop Sign||$527|
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.
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.
See More: Bad Credit Car Insurance Louisiana
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Metairie drivers measure up to their fellow Louisiana motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.