How driving habits affect car insurance in New Orleans
Your driving record affects your premiums: Drivers with no accidents or serious traffic violations tend to pay lower premiums than those that have infractions on their records. Speeding tickets, at-fault accidents, and failure to stop at traffic signals can increase your rates.[9]
Even if you haven’t been in an accident or received a citation, it’s important to be aware of your driving habits. Speeding, using a mobile device, or driving under the influence of drugs or alcohol can increase your likelihood of an accident or ticket. In some cases, a single accident or ticket is enough for your insurer to raise your rates, if only temporarily.
Cheapest car insurance with a clean record in New Orleans: National General
National General offers the cheapest car insurance premiums to drivers with clean records in New Orleans. Maintaining a clean record for as long as possible can save money over the course of your life as you drive. Some insurers may even offer discounts or accident forgiveness to drivers who remain accident- and claims-free.
Here’s a look at what drivers with a clean record can expect to pay per month in New Orleans from some top insurance companies.
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.
Cheapest car insurance with an accident in New Orleans: National General
Accidents on your driving record can increase your car insurance premiums.[9] If you’ve filed a claim for an accident, National General offers the cheapest car insurance quotes, at an average of $348 a month. Here are the cheapest car insurance quotes for drivers with an accident in New Orleans:
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 with a DUI in New Orleans: The General
A DUI is a serious driving offense that will likely increase your premiums. It can even cause your insurer to not renew your car insurance policy.[9] If your driving record has too many infractions on it, private property insurers may refuse to insure you and Louisiana courts may order you to get SR-22 insurance. The General offers the cheapest car insurance for drivers with a DUI offense, at $384 a month on average.
Here are average car insurance quotes for drivers in New Orleans with a DUI:
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 with a speeding ticket in New Orleans: Safeco
Safeco offers the cheapest car insurance for drivers with a speeding ticket in New Orleans, at an average of $296 a month. The table below provides some insight into how speeding tickets can affect monthly insurance costs for New Orleans drivers.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose to not offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than driving record.
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.
Car insurance in other Louisiana cities
The cost of car insurance can vary widely not only from state to state, but from city to city within the same state. Check out car insurance rates in some other Louisiana cities: