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Updated October 29, 2024
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Table of contents
New Orleans drivers pay an average of $188 per month for liability coverage and $341 for full-coverage auto insurance, which is more than the state averages of $141 for liability and $265 for full coverage. It’s also higher than the national average of $104 for liability insurance and $211 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.
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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
State Farm | 9.3 | $116 | $70 | Teen drivers |
Safeco | 8.3 | $247 | $${AUTO_CARRIER_SAFECO_LIABILITY_STATE_LA_PRICE} | Good drivers |
USAA | 9.4 | $146 | $87 | Military members |
Best insurer for teen drivers: State Farm
User Reviews | 3.2 |
---|---|
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. | 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. | $88/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. | $146/mo |
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.
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
Doesn’t offer gap insurance
Fewer discounts than some competitors
Good
Friendly agents!
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
Best insurer for good drivers: Safeco
User Reviews | 3.4 |
---|---|
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. | 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. | $79/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. | $142/mo |
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.
Offers accident forgiveness
Comes with a diminishing deductible
Limited number of discounts
Below-average J.D. Power customer satisfaction rating in the Southeast region
Insurance Keeps Going Up
Excellent
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
Best insurer for military members: USAA
User Reviews | 3.6 |
---|---|
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. | 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. | $112/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. | $183/mo |
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.
Discount for owning a newer vehicle
Highly rated mobile app
Only available for military service members, veterans, and their families
Doesn’t offer gap insurance
Excellent
Significant Increase in Policy Payment
My Opinion
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.
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.
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 $188 per month. The insurers below offer cheap liability-only insurance in New Orleans.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $88 |
USAA | $112 |
National General | $131 |
Allstate | $145 |
GEICO | $145 |
Direct Auto | $146 |
Progressive | $172 |
Clearcover | $198 |
The General | $202 |
Liberty Mutual | $228 |
Midvale Home & Auto | $291 |
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 $341 per month for full coverage. The below companies offer the cheapest full-coverage car insurance in New Orleans.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $146 |
USAA | $183 |
Allstate | $237 |
GEICO | $238 |
National General | $266 |
Direct Auto | $277 |
Progressive | $281 |
Clearcover | $325 |
Liberty Mutual | $344 |
The General | $386 |
Midvale Home & Auto | $396 |
Cheapest recent rates near New Orleans, Louisiana
Drivers using Insurify have found quotes as cheap as $70/mo for liability only and $113/mo for full coverage in New Orleans and other Louisiana cities.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on October 29, 2024
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on October 29, 2024
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 $355 for car insurance. By comparison, drivers with a clean record pay an overall average of $265 per month.
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 $276 for liability-only coverage, compared to $188 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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
---|---|---|
State Farm | $88 | $116 |
USAA | $112 | $148 |
National General | $131 | $175 |
Allstate | $145 | $192 |
GEICO | $145 | $192 |
Direct Auto | $146 | $193 |
Progressive | $172 | $228 |
Clearcover | $198 | $267 |
The General | $202 | $271 |
Liberty Mutual | $228 | $327 |
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 $288 per month, on average. Explore the most affordable liability coverage options for drivers with an at-fault accident below.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
---|---|---|
State Farm | $88 | $122 |
USAA | $112 | $156 |
National General | $131 | $184 |
Allstate | $145 | $203 |
GEICO | $145 | $203 |
Direct Auto | $146 | $208 |
Progressive | $172 | $243 |
Clearcover | $198 | $296 |
The General | $202 | $287 |
Liberty Mutual | $228 | $340 |
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 $326 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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
---|---|---|
State Farm | $88 | $149 |
USAA | $112 | $190 |
National General | $131 | $222 |
Allstate | $145 | $245 |
GEICO | $145 | $245 |
Direct Auto | $146 | $247 |
Progressive | $172 | $291 |
Clearcover | $198 | $335 |
The General | $202 | $342 |
Liberty Mutual | $228 | $386 |
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 $147 for liability-only coverage and $267 for full-coverage insurance. Explore the lowest monthly quotes for senior drivers in New Orleans in the table below.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
State Farm | $67 | $110 |
USAA | $87 | $142 |
National General | $98 | $199 |
Direct Auto | $111 | $210 |
Allstate | $113 | $185 |
GEICO | $113 | $185 |
Progressive | $120 | $196 |
Clearcover | $160 | $263 |
The General | $160 | $306 |
Liberty Mutual | $185 | $280 |
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 $383 per month for a liability-only policy and $694 for full-coverage insurance. The insurers below offer the most affordable options for New Orleans teens.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
State Farm | $163 | $270 |
USAA | $203 | $332 |
GEICO | $251 | $412 |
Allstate | $277 | $453 |
National General | $277 | $563 |
Direct Auto | $287 | $545 |
Progressive | $331 | $541 |
The General | $351 | $672 |
Clearcover | $409 | $671 |
Liberty Mutual | $437 | $659 |
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.