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Cheap Auto Insurance Quotes in New Orleans, LA (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Wonder where all those beads go after Mardi Gras? Recycling enthusiasts will be happy to know that New Orleans is conserving waste by creating recycling programs for all this plastic. Conserving your own financial resources when it comes to car insurance is important, too.

Plastic beads are just part of the 940 tons of waste that end up in the streets after Mardi Gras. By finding alternative places for these beads to go, the city is working toward a more sustainable future. Every little bit helps, especially when it comes to keeping your car insurance rates low. Insurify lets you see 10+ of your top cheapest rates in just minutes and helps you cut costs by finding unique discounts for every kind of driver.

Quick Facts

  • The average cost of car insurance in New Orleans is $396 per month, or $4752 annually.
  • Car insurance in New Orleans is $121 more than the average cost of car insurance in Louisiana.
  • The cheapest car insurance provider in New Orleans on average is National General, but you should always compare quotes to find your best personal rate.

Car Insurance in New Orleans, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in New Orleans, LA to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
$277
Progressive
$384
American Family
$594

Cheapest Car Insurance in New Orleans, LA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in New OrleansQuotes
State Farm$277 /mo
Progressive$384 /mo
American Family$594 /mo

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Best Car Insurance in New Orleans, LA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in New Orleans. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$336 /mo
American Family89$416 /mo
Liberty Mutual82$630 /mo

Average Car Insurance Cost

Louisiana Cities
Baton Rouge$240/mo
Shreveport$263/mo
Metairie$321/mo
Lafayette$331/mo
New Orleans$418/mo
Louisiana$315/mo
Baton Rouge
$240
Shreveport
$263
Average for LA
$315
Metairie
$321
Lafayette
$331
New Orleans
$418
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in LA

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

New Orleans Car Insurance Rates by Driver Age

Most New Orleans teenagers would have better luck paying the rent than affording $1,027 per month for car insurance. In the Pelican State, as years behind the wheel increase, rates tend to go down. Young adults see a $400 price cut over the teens, but $616 might put car insurance out of reach for many twentysomethings. Only those in their 80s, who pay $283 per month, see a rate that’s lower than the state average of $333. The oldest drivers pay over $725 less per month than the youngest drivers, a difference of over $8,500 per year.

Driver's AgeAvg. Monthly Cost
teens$0
20s$617
30s$405
40s$353
50s$352
60s$418
70s$385
80s$284

New Orleans Car Insurance Rates by Driving and Accident History

One way to save in New Orleans is to keep a clean driving record. Insurance companies hand out “good driver” and “accident-free” discounts to those who stay safe on the road. Why do those with failure-to-stop violations pay $4 less than those with no violations? People with offenses often buy policies with as little protection as possible, opting for liability only instead of comprehensive and collision coverage. Those with tickets or accidents aren’t penalized forever. After three years of careful driving, violations and accidents stop affecting insurance rates.

Driving HistoryAvg. Monthly Cost
No Violation$396
Speeding Ticket$484
At-Fault Accident$460
Failure to Stop for Red Light / Stop Sign$392

New Orleans Car Insurance Rates by Credit Tier

Many Louisianians wonder how their credit changes their ability to drive. But state law allows insurance companies to use credit when setting rates. Generally, the drivers with the best credit pay the least. There’s only a $4 difference between poor credit and average credit. But a move from poor credit to excellent saves $90 per month, and even a move from poor credit to good credit saves $40 per month, a $480 per year reduced cost.

Credit TierAvg. Monthly Cost
Excellent$357
Good$406
Average$442
Poor$447

Find local New Orleans agents

  • Pappalardo Agency, Inc.

    145 Robert E. Lee Blvd.,
    New Orleans, LA 70124
  • Hartwig Moss Insurance Agency

    2626 Canal St,
    New Orleans, LA 70119
  • Accessible Insurance Agency, Inc.

    101 W Robert E. Lee,
    Suite 302, New Orleans, LA 70124
  • Noah W. Lewis & Associates

    10001 Lake Forest Blvd,
    New Orleans, LA 70127-6200
  • Olympus Insurance Agency

    101 W. Robert E. Lee Blvd.,
    Suite 405, New Orleans, LA 70124
  • Arthur J. Gallagher RMS

    1615 Poydras Street,
    Suite 700, New Orleans, LA 70112-1238
  • Hemmans Insurance Agency, LLC

    4611 S. Carrollton Ave,
    New Orleans, LA 70119
  • Accessible Marine Insurance

    1145 Robert E Lee Blvd,
    New Orleans, LA 70124-4334
  • Cobbs Allen of New Orleans

    909 Poydras Street,
    Suite 2260, New Orleans, LA 70112-4026
  • Avery Insurance

    4008 Canal Street,
    New Orleans, LA 70119
View more

New Orleans, LA DMV Information

The main office for the Louisiana Office of Motor Vehicles is located in Baton Rouge, but there are offices up and down this great state to serve you. There are two Orleans parish office locations for New Orleans drivers—New Orleans, which is located at 100 Veterans Boulevard and New Orleans-East, at 7500 Bullard Avenue, Suite 104. Posted office hours are Monday through Friday 8 a.m. to 4 p.m. Though you can take care of registration at these OMV offices, working with a public tag agent or going online are also options.

Public Transportation in New Orleans, LA

Though there are 40 bus routes and paratransit services taking travelers through the city, seeing New Orleans by streetcar should be on everyone’s bucket list. There are four different streetcar lines (each beginning downtown). Take a ride on one of these red or green vintage cars and get a sense of what even the out-of-the-way parts of New Orleans have to offer. You can pay streetcar fares in person or by phone. In the French Quarter, walking from one place to another is doable and practically a must. Want to be treated like royalty? Then take a carriage ride along the city’s most fashionable streets. Interested in what things look like from the other side of the Mississippi? You can take one of two ferries back and forth across the river.

How to get the best and cheapest car insurance in New Orleans, LA

Everyone loves Mardi Gras. But do some digging, and you’ll find that New Orleans has its not-so-fun sides, too. People say that the traffic in metro New Orleans is terrible. Bad drivers and people not using their blinkers are just some of the complaints. Complaining about insurance won’t do anything about your insurance rate, but using a site like Insurify will.

According to recent data, an increased number of New Orleans residents are commuting solo and becoming less dependent on public transportation. Autonomy and a quiet commute aren’t easy to let go of. Good thing letting go of a questionable insurance policy is easy. View all of your best coverage options at once with Insurify.

FAQs - New Orleans, LA Car Insurance

  • Better take a bus or a streetcar if you’re feeling tipsy. Being found guilty of a DUI can make you pretty uncomfortable in this town. Depending on how many times you’ve made this mistake, a DUI can cost you anywhere from $300 to $5,000 for starters. Then, there’s the jail time, probation, and community service to consider. On top of all this trouble, you can have your driving privileges suspended and your car taken away.
  • Fines add up and can be a difficult expense when you’re stretched financially thin. The Office of Motor Vehicles understands that you may not be able to pay your fine all at once. For this reason, it allows you to pay fines over time with an installment plan. Not making your payments on time could result in a 10 percent penalty. For installment plan enrollment, call 1 (225) 925-6146 and select option 3.
  • If you damage someone else’s property or vehicle while driving, your property damage liability coverage is used to cover it. Property damage (PD) liability minimums differ from state to state. Louisiana law requires drivers to carry at least $25,000 in property damage liability. If the damage adds up to more than that, (unless you buy additional insurance) the money could be coming out of your own pocket. What if a friend or family member was driving? Property damage applies to these situations as well.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How New Orleans Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New Orleans, Louisiana below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New Orleans drivers measure up to their fellow motorists across Louisiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

nissan

Nissan Altima

Most Popular Car in New Orleans

#16

City with the Most Speeding Tickets Rank in Louisiana

#34

City with the Most Moving Violations Rank in Louisiana

#14

City with the Most DUIs Rank in Louisiana

#23

City with the Most Suspended Licenses in Louisiana

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. New Orleans drivers rank 13 in the number of car accidents per driver across all cities in Louisiana.

    • Rank within state: #13
    • Percent of drivers in New Orleans with an accident: 8.81%
    • Drivers in New Orleans, LA with an accident in their driving history pay on average 43.26% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, New Orleans drivers rank 16 in the number of speeding infractions per driver.

    • Rank within state: #16
    • Percent of drivers in New Orleans with a speeding ticket: 5.96%
    • Drivers in New Orleans, LA with a speeding ticket in their driving history pay on average 38.2% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New Orleans drivers rank 14 in the number of DUI’s per driver across all cities in Louisiana.

    • Rank within state: #14
    • Percent of drivers in New Orleans with a DUI: 0.6%
    • Drivers in New Orleans, LA with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New Orleans is the Nissan Altima.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Louisiana, New Orleans drivers rank 3 in rude driving infractions.

    • Rank within state: #3
    • Percent of drivers in New Orleans with a reckless driving violation: 1.46%
    • Drivers in New Orleans, LA with a reckless driving violation in their driving history pay on average 19.94% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; New Orleans drivers rank 2 in clean driving records across all cities in Louisiana.

    • Rank within state: #2
    • Percent of drivers in New Orleans with clean record: 85.71%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New Orleans drivers rank 3 in failure to yield violations per driver across all cities in Louisiana.

    • Rank within state: #3
    • Percent of drivers in New Orleans with a failure to yield violation: 0.41%
    • Drivers in New Orleans, LA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Louisiana, New Orleans drivers rank 2 in the number of reckless driving offenses per driver.

    • Rank within state: #2
    • Percent of drivers in New Orleans with a reckless driving offense: 0.04%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New Orleans drivers rank 1 in hybrid and electric vehicle ownership across all cities in Louisiana.

    • Rank within state: #1
    • Percent of drivers in New Orleans with a hybrid/electric vehicle: 0.91%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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