Cheapest Auto Insurance in New Orleans, Louisiana (2025)
State Farm has the cheapest car insurance in New Orleans, with a liability insurance rate of $84 per month.
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Table of contents
New Orleans drivers pay an average of $145 per month for liability coverage and $238 for full-coverage auto insurance, which is more than the state averages of $107 for liability and $194 for full coverage. It’s also higher than the national average of $101 for liability insurance and $179 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $103 | $66 | Teen drivers |
| Safeco | 8.1 | $296 | $208 | Good drivers |
| USAA | 9.1 | $129 | $83 | Military members |
Best insurer for teen drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | $84/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. | $132/mo |
4.1
Best choiceBased on 12,077 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,341)
Jared
Verified Review
Service
Reviewed in Louisiana on October 2025
Excellent service.
Barbara
Verified Review
Nice Agents
Reviewed in Pennsylvania on October 2025
They have always been very nice to me.
Steve
Verified Review
Where's the Discount?
Reviewed in Georgia on October 2025
I've been a customer for forty years with no accident claims and I'm a low mileage driver. Yet, my rates are always going up without a good reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Cons
Doesn’t offer gap insurance
Fewer discounts than some competitors
Best insurer for good drivers: Safeco
| User Reviews | 4.4 |
|---|---|
| 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. | 8.1 /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. | $266/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. | $379/mo |
4.4
Best choiceBased on 911 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
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 smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (503)
Gary
Verified Review
Their only shortfall and why I'm shopping around is due to their rate hikes over the past year.
Reviewed in Idaho on October 2025
Excellent company for their coverage, handling claims, etc. Customer service and representatives are absolutely above average.
Ali
Verified Purchase
Choose Insurance Plan
Reviewed in on October 2025
Acceptable, fast, easy.
Thomas
Verified Review
Very satisfied
Reviewed in Tennessee on October 2025
Very satisfied with SafeCo and have been with them for years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $106/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. | $165/mo |
4.9
Best choiceBased on 2,289 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
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
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,270)
Edward
Verified Review
USAA
Reviewed in South Carolina on October 2025
It's too high.
Remmington
Verified Review
Sometimes No Discounts - After 34 Years with Them
Reviewed in Arizona on October 2025
Better than most, but charges too much sometimes.
Jared
Verified Review
USAA doesn't give discounts
Reviewed in Florida on October 2025
They offer big discounts but then raise your rate by the amount of the discount, so they don't really give a discount.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 $84 per month
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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 $145 per month. The insurers below offer cheap liability-only insurance in New Orleans.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $84 |
| USAA | $106 |
| National General | $109 |
| Allstate | $137 |
| GEICO | $138 |
| Direct Auto | $151 |
| Progressive | $157 |
| Root | $191 |
| The General | $195 |
| Bristol West | $229 |
| Liberty Mutual | $257 |
| Safeco | $266 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $238 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $132 |
| USAA | $165 |
| National General | $202 |
| Allstate | $214 |
| GEICO | $215 |
| Progressive | $239 |
| Direct Auto | $259 |
| Root | $343 |
| Safeco | $379 |
| The General | $388 |
| Liberty Mutual | $390 |
| Bristol West | $471 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, Chrysler, BMW , and more.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on October 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 October 28, 2025. 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 October 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 October 28, 2025. 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 $223 for car insurance. By comparison, drivers with a clean record pay an overall average of $192 per month.
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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 $171 for liability-only coverage, compared to $145 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $84 | $102 |
| USAA | $106 | $130 |
| National General | $109 | $132 |
| Allstate | $137 | $169 |
| GEICO | $138 | $174 |
| Direct Auto | $151 | $184 |
| Progressive | $157 | $185 |
| Root | $191 | $245 |
| The General | $195 | $251 |
| Bristol West | $229 | $278 |
| Liberty Mutual | $257 | $313 |
| Safeco | $266 | $337 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $194 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $84 | $110 |
| USAA | $106 | $140 |
| National General | $109 | $144 |
| Allstate | $137 | $180 |
| GEICO | $138 | $175 |
| Direct Auto | $151 | $206 |
| Progressive | $157 | $210 |
| Root | $191 | $248 |
| The General | $195 | $268 |
| Bristol West | $229 | $301 |
| Liberty Mutual | $257 | $340 |
| Safeco | $266 | $372 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $233 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $84 | $129 |
| USAA | $106 | $162 |
| National General | $109 | $167 |
| Allstate | $137 | $210 |
| GEICO | $138 | $205 |
| Direct Auto | $151 | $231 |
| Progressive | $157 | $253 |
| Root | $191 | $287 |
| The General | $195 | $299 |
| Bristol West | $229 | $351 |
| Liberty Mutual | $257 | $393 |
| Safeco | $266 | $437 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $134 for liability-only coverage and $220 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $69 | $109 |
| National General | $89 | $165 |
| USAA | $90 | $140 |
| GEICO | $114 | $178 |
| Allstate | $117 | $182 |
| Direct Auto | $127 | $217 |
| Progressive | $145 | $221 |
| Root | $167 | $300 |
| The General | $168 | $335 |
| Bristol West | $197 | $405 |
| Liberty Mutual | $223 | $339 |
| Safeco | $242 | $344 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $287 per month for a liability-only policy and $471 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: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $168 | $264 |
| USAA | $204 | $317 |
| National General | $230 | $426 |
| GEICO | $260 | $405 |
| Allstate | $281 | $438 |
| Direct Auto | $308 | $529 |
| Progressive | $311 | $473 |
| Root | $348 | $624 |
| The General | $353 | $703 |
| Bristol West | $428 | $880 |
| Liberty Mutual | $474 | $720 |
| Safeco | $550 | $784 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 $238 per month for full-coverage auto insurance, which is more than the state monthly full-coverage average of $194. It’s also higher than the national average of $140 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.
City | Liability Only | Full Coverage |
|---|---|---|
| Baton Rouge | $136 | $238 |
| Bossier City | $89 | $166 |
| Lafayette | $117 | $191 |
| Lake Charles | $116 | $200 |
| Metairie | $142 | $219 |
| Shreveport | $98 | $182 |
| Slidell | $115 | $211 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $145 per month for liability-only coverage and $238 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 $84 per month for liability-only coverage. USAA has liability rates as low as $106 per month, and National General’s rates start at $109 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 $66 per month for liability insurance and $103 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 500+ 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
- 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.
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Sources
- NOLO. "Louisiana Car Accident Laws."
- Louisiana Department of Insurance. "Important Information about Flooding."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- DrivingLaws.org. "Louisiana Speeding Tickets: The Law and Penalties."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Institute for Highway Safety. "Teenagers."
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Jamie Johnson
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.
7+ years in content creation and management
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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