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Cheapest recent rates near New Orleans, Louisiana
Recent New Orleans, Louisiana car insurance prices for Toyota, Scion, Chevrolet , and more.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on December 26, 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 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on December 26, 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 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
New Orleans drivers pay an average of $172 per month for liability coverage and $288 for full-coverage auto insurance, which is more than the state averages of $130 for liability and $241 for full coverage. It’s also higher than the national average of $105 for liability insurance and $202 for full coverage.
New Orleans is the largest city in the Pelican State and is prone to hurricanes and flooding, which could contribute to its higher car insurance costs.
Here’s what you should know about finding cheap car insurance in New Orleans, including how to compare quotes and coverage options.
Quick Facts
State Farm, USAA, and National General have the cheapest liability insurance in New Orleans.
Because Louisiana is a pure comparative fault state, claims payouts depend on each driver’s percentage of fault in an auto accident.[1]
Comprehensive insurance can cover a vehicle affected by flooding, but liability and collision coverage don’t.[2]
3 of the cheapest car insurance companies in New Orleans
State Farm, Safeco, and USAA are some of the best car insurance options for New Orleans drivers. But the auto insurance company that’s best for you will depend on your unique situation and coverage needs. The quotes below reflect statewide insurance costs in Louisiana.
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.
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.
$78/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.
$134/mo
4.2
Best choiceBased on 9,279 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 (5,097)
Roy
December 25, 2024
Verified Review
My State Farm
Know the coverages you need for auto and home.
Andrew
December 24, 2024
Verified Review
Drive Sensors are a Scam
Their 'Drive Safe and Save' setup is a scam that kills my discount. No matter how gently I brake, it registers it as a hard brake. Even when I present them with dash cam video that has the same timestamp and GPS location, they claim their inexpensive device is more accurate than my high-end dash cam.
Mary
December 23, 2024
Verified Review
Rob Becker State Farm is Perfect!
Rob Becker is wonderful! He always answers my calls and provides excellent service. My car has never been in better hands!
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 offers some of the cheapest car insurance rates for New Orleans drivers. The company offers a wide variety of discounts, and you could earn a 30% discount for maintaining a good driving history.
Pros
Drivers younger than 25 can earn a discount with the Steer Clear program
Received an above-average J.D. Power customer satisfaction rating in the Southeast region
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.
8.3 /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.
$249/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.
$368/mo
4.5
Best choiceBased on 768 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (429)
Arthur
December 23, 2024
Verified Review
Sometimes Change is Needed
Great! Until they raised my premium way too high. That's why I'm looking for other options. If it's true, it kind of upsets me that I was overpaying by thousands of dollars.
Jeffrey
December 23, 2024
Verified Review
Good Company
Very good.
William
December 16, 2024
Verified Review
Fair
The policy rate increased at the beginning of the coverage.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
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
Safeco is owned by Liberty Mutual and is the best option for drivers with a clean driving record. If you remain claims-free for six months, Safeco will send you a check for 2.5% of your insurance policy premium.
Pros
Offers accident forgiveness
Comes with a diminishing deductible
Cons
Limited number of discounts
Below-average J.D. Power customer satisfaction rating in the Southeast region
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.
$99/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.
$169/mo
4.9
Best choiceBased on 1,650 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 (944)
Ben
December 23, 2024
Verified Review
Best Insurance Coverage
This is an excellent company.
Hartine
December 23, 2024
Verified Review
My experience with customer service was not good.
I would not recommend getting a policy from USAA.
Marie
December 23, 2024
Verified Review
Disappointed with USAA's Car Insurance and Banking Services
I used to believe that USAA was expensive because they offered the best services, but my experience proved otherwise. I had been a customer for over 10 years and even convinced my then-husband to open a checking account with them. We then purchased auto insurance. However, after our separation, I was informed that he was the primary on the auto insurance and I had no rights to print an insurance card for my vehicle. Despite paying for the car insurance, I was unable to view the account. I was upset that they refused to discuss the account with me.
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 offers affordable auto insurance for veterans, active-duty service members, and their families. The company provides excellent customer service and some of the best auto insurance rates in New Orleans.
Pros
Discount for owning a newer vehicle
Highly rated mobile app
Cons
Only available for military service members, veterans, and their families
Doesn’t offer gap insurance
How to get the cheapest car insurance in New Orleans
Car insurance companies consider your age, driving history, gender, and location when evaluating your auto insurance rates. Here are the best ways to find cheap car insurance in New Orleans:
Buy a safe car. Most insurance companies will give you a discount for driving a safer vehicle. If you’re in the market for a new car, look for one that’s highly rated by the Insurance Institute for Highway Safety (IIHS).
Take advantage of discounts. Nearly all insurance companies offer discounts to drivers as a way to save money. You can earn a discount for bundling your auto and homeowners insurance, maintaining a good driving record, or getting good grades.
Ask about group discounts. You may receive a discount for belonging to a group plan through your employer or other professional organizations.
Shop around. Insurance premiums vary widely depending on the company you choose. It’s important to compare quotes from at least three different insurers before making a selection.
Find Cheap Car Insurance in New Orleans
Liability quotes start at $78 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in New Orleans: State Farm
Purchasing liability insurance is one way New Orleans drivers can save money on auto insurance. Liability-only insurance costs less than full coverage, but you’ll receive less coverage if you’re involved in an accident.
Liability insurance meets the minimum state requirements for auto insurance. It includes bodily injury liability and property damage liability and will pay for the other driver’s injuries and vehicle damage.[3] But you’ll be responsible for covering your own hospital bills and damages to your car.
Keep in Mind
If you lease or finance your vehicle, you’ll likely need to buy full-coverage car insurance. Lenders and leasing companies generally require full coverage to help protect their investment in your vehicle.
The average cost of liability insurance in New Orleans is $172 per month. The insurers below offer cheap liability-only insurance in New Orleans.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$78
USAA
$99
National General
$112
Allstate
$128
GEICO
$128
Direct Auto
$141
Root
$141
Progressive
$152
Clearcover
$195
The General
$212
Liberty Mutual
$223
Safeco
$249
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 New Orleans: State Farm
Full-coverage auto insurance includes liability, comprehensive, and collision coverages. It provides more robust coverage if you’re involved in an accident and will protect you if your car is broken into, vandalized, or hit by a falling object.
Your policy also provides coverage if someone else is driving your vehicle on your behalf. But a full-coverage policy costs more, so shopping around and finding the cheapest insurer is essential.
On average, New Orleans drivers pay $288 per month for full coverage. The below companies offer the cheapest full-coverage car insurance in New Orleans.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$134
USAA
$169
Allstate
$218
GEICO
$219
National General
$223
Root
$240
Progressive
$259
Direct Auto
$260
Clearcover
$312
Liberty Mutual
$335
Safeco
$368
The General
$425
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 New Orleans, Louisiana
Recent New Orleans, Louisiana car insurance prices for Toyota, KIA, Chevrolet , and more.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on December 26, 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 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on December 26, 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 26, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana state law requires all drivers to carry the following minimum coverage:[4]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$25,000
Although these are the minimum requirements, this won’t be enough coverage for some drivers. You can consider adding the following optional insurance coverages for more financial protection:
Collision coverage
Collision coverage protects you if you’re in an auto accident with another vehicle or object. It’ll also cover any damage caused by hitting potholes, trees, phone poles, walls or other objects.
Comprehensive coverage
Comprehensive coverage reimburses you for any losses that happen because of something other than a collision, such as theft, vandalism, or falling objects.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in if you’re involved in an auto accident with an uninsured or underinsured motorist. It’ll also protect you if you’re the victim of a hit-and-run accident.
Personal injury protection (PIP) coverage
Personal injury protection will reimburse you and any passengers for medical bills or lost wages due to injuries sustained in an auto accident.
Cheapest car insurance for drivers with an incident
Your driving history is one of the biggest factors affecting how much you pay for insurance.[5] You can expect to pay more for insurance if you have a history of at-fault accidents, speeding tickets, and DUIs. But different companies will be more forgiving about moving violations and may still offer you an affordable rate.
In New Orleans, drivers with an incident on their motor vehicle records pay an overall monthly average of $302 for car insurance. By comparison, drivers with a clean record pay an overall average of $230 per month.
Shop for Car Insurance in New Orleans
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding puts other drivers at risk and causes one-third of all motor vehicle fatalities. In Louisiana, the consequences of speeding vary depending on the municipality and how many miles over the limit you were driving.
But receiving even one speeding ticket will cause your insurance rates to go up, and you’ll receive a fine between $100 and $300. In some instances, speeding violations could lead to a reckless operation conviction.[6]
Drivers in New Orleans with a speeding ticket pay a monthly average of $248 for liability-only coverage, compared to $172 for a driver with a clean record. The insurers below offer the cheapest liability insurance quotes to drivers with a speeding ticket on their record.
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
▲▼
State Farm
$78
$102
USAA
$99
$131
National General
$112
$149
Allstate
$128
$169
GEICO
$128
$169
Direct Auto
$141
$187
Root
$141
$200
Progressive
$152
$200
Clearcover
$195
$259
The General
$212
$286
Liberty Mutual
$223
$316
Safeco
$249
$333
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 car insurance for drivers with an at-fault accident: State Farm
Anytime you make a claim to your insurer for an at-fault accident, you can expect your insurance premiums to go up. How much your premiums increase will depend on your insurer. In some cases, an at-fault accident could be sufficient cause for your insurer to choose not to renew your policy.
A liability-only policy for New Orleans drivers with an at-fault accident costs $261 per month, on average. Explore the most affordable liability coverage options for drivers with an at-fault accident below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$78
$108
USAA
$99
$138
National General
$112
$156
Allstate
$128
$179
GEICO
$128
$179
Direct Auto
$141
$201
Root
$141
$211
Progressive
$152
$214
Clearcover
$195
$292
The General
$212
$302
Liberty Mutual
$223
$331
Safeco
$249
$346
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 car insurance for drivers with a DUI: State Farm
Louisiana drivers aren’t allowed to operate a motor vehicle with a blood alcohol content (BAC) above 0.08%. Your first offense will result in a fine of up to $1,000, up to six months in jail, and possible probation. The more violations you incur, the steeper the penalties will be.
If you’re convicted of a DUI, you can expect your insurance premiums to increase. And if the insurance company feels you’re too risky, it may choose to cancel your policy altogether.
If you’ve been convicted of a DUI in New Orleans, you might pay an average of $295 per month for liability-only coverage. The insurers below offer the cheapest liability car insurance for New Orleans drivers with a DUI on their record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$78
$131
USAA
$99
$167
National General
$112
$188
Allstate
$128
$215
GEICO
$128
$215
Direct Auto
$141
$237
Root
$141
$214
Progressive
$152
$256
Clearcover
$195
$328
The General
$212
$357
Liberty Mutual
$223
$375
Safeco
$249
$378
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 car insurance for seniors: State Farm
Insurance rates start to decrease around age 35 but start going back up around age 70. That’s because the risk of being killed in an auto accident increases with age.[7]
But seniors can save on auto insurance by enrolling in a defensive driving course. And seniors who spend little time behind the wheel may qualify for low-mileage discounts.
Senior drivers in New Orleans pay a monthly average of $135 for liability-only coverage and $226 for full-coverage insurance. Explore the lowest monthly quotes for senior drivers in New Orleans in the table below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$59
$101
USAA
$77
$131
National General
$83
$165
GEICO
$99
$170
Allstate
$100
$170
Direct Auto
$107
$197
Progressive
$107
$182
Root
$116
$197
Clearcover
$165
$264
The General
$167
$334
Liberty Mutual
$182
$273
Safeco
$208
$307
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 car insurance for teens: State Farm
Teen drivers receive some of the highest rates on car insurance, mainly due to their lack of driving experience. And teen drivers have crash rates that are almost four times as high as drivers older than 20, according to data from the Insurance Institute for Highway Safety (IIHS).[8]
The best way young drivers can save on car insurance is by demonstrating how responsible they are. For example, most insurance companies offer discounts for teens who can maintain good grades and demonstrate good driving behavior.
Teens in New Orleans pay an average of $363 per month for a liability-only policy and $608 for full-coverage insurance. The insurers below offer the most affordable options for New Orleans teens.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$151
$259
USAA
$187
$320
GEICO
$232
$397
Root
$240
$408
National General
$244
$486
Allstate
$256
$436
Direct Auto
$288
$530
Progressive
$298
$508
The General
$381
$763
Clearcover
$398
$637
Liberty Mutual
$428
$643
Safeco
$525
$777
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.
Find Cheap Car Insurance in New Orleans
Comparing rates with Insurify could save you up to $852 annually
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
New Orleans car insurance quotes by credit tier
Louisiana allows insurance companies to consider your credit-based insurance score when setting insurance premiums. Data shows that drivers with poor credit history are more likely to file an insurance claim.
As you can see from the chart below, New Orleans drivers with poor credit pay substantially higher rates than drivers with excellent or good credit history.
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.
Is car insurance more expensive in New Orleans?
New Orleans drivers pay an average of $288 per month for full-coverage auto insurance, which is more than the state monthly full-coverage average of $241. It’s also higher than the national average of $153 for full-coverage insurance.
Drivers in New Orleans, and elsewhere in Louisiana, face high insurance costs because of the state’s risk of property damage from hurricanes and flooding.
More cities in Louisiana
Your car insurance rates can differ depending on your ZIP code. As you can see from the table below, New Orleans is more expensive than the other Louisiana cities listed.
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.
New Orleans car insurance FAQs
If you’re shopping for car insurance in The Big Easy, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in New Orleans?
Car insurance in New Orleans costs an average of $172 per month for liability-only coverage and $288 per month for full-coverage insurance. How much you pay for your auto insurance will depend on your driving record, credit history, age, chosen coverage, and more.
Which company has the cheapest car insurance in New Orleans?
State Farm, USAA, and National General have the cheapest car insurance in New Orleans. State Farm’s rates start at $78 per month for liability-only coverage. USAA has liability rates as low as $99 per month, and National General’s rates start at $112 per month.
But the cheapest company for you will depend on many factors, such as your age, ZIP code, driving record, and more.
What are the best car insurance companies in New Orleans?
State Farm, Safeco, and USAA are some of the best car insurance companies in New Orleans. In addition to offering competitive rates, these companies have strong financial strength ratings from AM Best, relatively high Insurify Quality (IQ) Scores, and offer several discounts. On average, State Farm car insurance in Louisiana costs $63 per month for liability insurance and $112 for full-coverage insurance.
How much car insurance do you need in Louisiana?
To drive legally in Louisiana, you need to carry minimum auto insurance coverage of $15,000 per person and $30,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability.
Why does Louisiana have such expensive car insurance?
A number of factors affect the cost of car insurance in a particular city or state, including population density, risk of severe weather, and crime rates. Louisiana’s car insurance rates could be so high partly due to an increased number of accidents, severe weather such as floods and hurricanes, and car thefts.
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.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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