120+ more*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on May 13, 2026. 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 May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in New Orleans pay an average of $196 per month for car insurance. Full coverage costs an average of $261 per month, and minimum liability insurance averages $131.
Rates in New Orleans are higher than in other major cities in Louisiana, including Lafayette and Slidell. The city’s premiums are also higher than the national average of $142 per month.
New Orleans’ high car insurance rates are partly due to the city’s high population density.[1] New Orleans has an average of 2,256 people per square mile, while the state average is 107. The city also has higher accident rates and traffic congestion, which can increase car insurance premiums.
Get rates from the city’s top insurers and save money today
New Orleans drivers pay an average of $131 per month for liability-only car insurance. Liability coverage is the minimum amount of insurance you need to drive legally, but it covers only injuries and damages you cause to others.
Per Louisiana state requirements, all drivers must have at least $15,000 per person and $30,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.[2]
The table below lists the cheapest liability-only auto insurance in New Orleans.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $61 |
| Progressive | $73 |
| National General | $76 |
| USAA | $76 |
| Allstate | $98 |
| GEICO | $99 |
| Direct Auto | $107 |
| The General | $128 |
| Bristol West | $148 |
| Root | $161 |
| Safeco | $187 |
In New Orleans, full-coverage car insurance costs an average of $261 per month.
Some drivers may want full coverage in New Orleans to protect against the city’s weather risks — particularly hurricanes. Some of the biggest hurricanes in recent history have hit the city, including Hurricane Katrina and Hurricane Rita.[3] The city also has a high probability of flooding, coastal erosion, extreme heat, and severe thunderstorms.[4]
The table below shows the cheapest auto insurance rates for full coverage in New Orleans.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $144 |
| National General | $176 |
| USAA | $180 |
| Progressive | $201 |
| Allstate | $233 |
| GEICO | $234 |
| Direct Auto | $249 |
| Safeco | $323 |
| Root | $327 |
| Bristol West | $378 |
| The General | $406 |
New Orleans has the most expensive premiums in Louisiana, at an average of $196 per month. Baton Rouge also has high rates, at a monthly average of $186. Houma typically has the lowest average car insurance rates in the state, at $126 per month.
New Orleans’ high premiums are due in part to its high accident rates. Orleans Parish, where the city is located, had 58 fatal crashes and 4,849 injury-causing accidents in 2024. For comparison, Caddo Parish, home to Shreveport, had only 38 fatal crashes and 2,015 injury-causing accidents.[5]
The following table lists average car insurance rates across Louisiana cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Baton Rouge | $186 |
| Bossier City | $130 |
| Lafayette | $154 |
| Metairie | $176 |
| Lake Charles | $160 |
| New Orleans | $196 |
| Shreveport | $138 |
| Slidell | $162 |
More than 131,000 cars per day travel the highways around New Orleans, including I-510, Highway 90, Highway 61, I-610, Highway 11, and I-10.[6] Traffic congestion typically raises car insurance rates because it increases your risk of an accident.
New Orleans’ extreme weather risks and dense population also contribute to the city’s high insurance premiums. The city also ranks No. 18 in the U.S. for vehicle thefts, with nearly 4,500 cars stolen in 2024. Severe weather and high theft rates increase the likelihood you’ll file a claim, so insurers typically charge more to offset that risk.
*Quotes generated for Insurify users in and around New Orleans, Louisiana within the last 10 days. Last updated on May 13, 2026. 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 May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your car insurance premiums can vary depending on your driving history. Maintaining a clean driving record can reduce your rates. But speeding tickets, at-fault accidents, and driving while intoxicated (DWI) convictions can increase your premiums.
Here are the cheapest companies in New Orleans for different driving records, according to Insurify data:
Cheapest car insurance for New Orleans drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in New Orleans: State Farm
Cheapest car insurance for New Orleans drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in New Orleans: State Farm
In New Orleans, 4% of drivers have an at-fault accident on their driving record, according to Insurify data. Louisiana is a modified comparative fault state, meaning drivers can seek compensation as long as they’re less than 51% at fault in a car accident. This model could increase insurance companies’ risk, leading to higher premiums.
Insurify data shows that only 1% of New Orleans drivers have a DWI. Louisiana harshly punishes DWIs, with first offenders facing a fine of at least $300 and 10 days in jail.[7]
Here’s what average premiums look like for different New Orleans drivers.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $196 |
| Speeding ticket | $245 |
| At-fault accident | $268 |
| DWI | $246 |
New Orleans has some unique features that make driving in the city tricky, including:
The longest water bridge in the world: The Causeway Bridge is 24 miles long and can take more than an hour to cross, so plan accordingly. You also must pay a toll to cross the bridge.[8]
Poor road conditions: More than half of Louisiana’s roads are in poor or mediocre condition, according to the Federal Highway Administration.[9] Make sure your car’s tires are in good condition and can handle rough roads before driving around the city.
Flooding: Flooding and tropical cyclones are big risks in the New Orleans area. You should have an evacuation route planned in case of an emergency. You should also park away from branches and trees that could fall during storms.
You can monitor New Orleans road conditions and closures in real time at Streetwise.NOLA.gov.
New Orleans is known for having bad traffic congestion. New Orleans drivers spent an average of 68 hours stuck in traffic in 2024, according to the Texas A&M Transportation Institute.[10] The average city commuter lost more than $1,500 in productivity and fuel costs.
More than 120,000 vehicles per day travel on some highways in the area, like US-90, according to the Louisiana Department of Transportation & Development.[11] High levels of traffic and congestion can lead to more dangerous driving conditions, increasing the risk to insurers and driving up premiums.
Teen drivers in New Orleans pay an average of $359 per month for car insurance.
The city has fewer teens than other major cities in Louisiana, which usually means fewer young drivers on the road. People younger than age 18 make up 20% of the population in New Orleans, compared with 24% in both Shreveport and Slidell.
Until age 17, Louisiana teens can’t operate a vehicle between 11 p.m. and 5 a.m. unless they’re with a parent or guardian. Teens also have restrictions on how many passengers they can have in the car.
The table below shows the cheapest insurance rates for teenage drivers in New Orleans, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $119 |
| Progressive | $134 |
| USAA | $141 |
| National General | $153 |
| GEICO | $180 |
| Allstate | $195 |
| Direct Auto | $209 |
| The General | $231 |
| Bristol West | $264 |
| Root | $281 |
| Safeco | $381 |
Compare quotes from New Orleans’ best insurers
About 17% of New Orleans’s population is age 65 or older — slightly less than the Louisiana state average of 18%. While the city may have a relatively small number of older drivers, they typically pay less for car insurance. Seniors tend to have more experience and safer driving habits, which usually translates into lower rates.
Senior drivers in New Orleans pay a monthly average of $187 for car insurance.
The table below lists the most affordable car insurance companies in New Orleans for seniors, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $51 |
| National General | $63 |
| USAA | $65 |
| Progressive | $70 |
| GEICO | $83 |
| Allstate | $84 |
| Direct Auto | $92 |
| The General | $115 |
| Bristol West | $130 |
| Root | $142 |
| Safeco | $172 |
If you have questions about car insurance in New Orleans, we’re here to help. Below, we answered some common questions from drivers about coverage in the city.
Car insurance in New Orleans costs an average of $196 per month. Liability-only coverage costs an average of $131 per month, and full coverage averages $261. Your exact premium depends on many factors, including your age, driving record, coverage options, vehicle, and more.
State Farm has the cheapest car insurance in New Orleans, with liability rates averaging $61 per month. But your personal rate can vary based on a variety of factors, including your ZIP code, driving record, and the coverage you choose.
The average premium for car insurance in Louisiana is $196 per month. But premiums can vary widely by driver and insurance company.
Shopping around and comparing quotes from multiple companies is the easiest way to lower your car insurance rates in New Orleans. You can also ask your insurer if you qualify for any discounts, like safe driver or good student discounts. Many companies offer savings when you bundle your car insurance with another policy, such as your homeowners or renters insurance.
New Orleans’ hurricane and flood risks, its high population density, and its high accident rate all affect car insurance costs in the city. Personal details like your ZIP code, driving record, vehicle, insurance company, and coverage limits also influence your premium.
Louisiana requires that all drivers have at least $15,000 per person and $30,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage. Louisiana drivers pay an average of $106 per month for minimum-coverage car insurance.
About 12% of drivers in Louisiana are either uninsured or don’t have enough car insurance, according to the Insurance Information Institute. The state ranks No. 30 for uninsured motorists.[12] In 2011, Louisiana enacted the “No Pay, No Play” statute, which limits the amount of damages an uninsured/underinsured driver can receive if they’re the victim in a car accident.
Insurify data scientists analyzed more than 190 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:
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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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Featured in
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in