Cheap Auto Insurance Quotes in Metairie, LA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Metairie, LA

Here are the cheapest carriers in Metairie for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Metairie. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Metairie, LA Driving Facts

Minimum Car Insurance Requirements in LA

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 available when:

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

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

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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
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 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.

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

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Metairie stacks up for the state of Louisiana:

toyota
Toyota Camry
Most Popular Car in
Metairie, LA
suspended licenses
#13
Cities with Most
Suspended Licenses Rank

FAQs - Metairie, LA Car Insurance

Is Louisiana a no-fault state?

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.

How much does car insurance in Metairie cost?

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.

Which provider offers the cheapest car insurance in Metairie?

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.