Cheap Auto Insurance Quotes in New Orleans, LA (2023)

The average cost of minimum-coverage car insurance in New Orleans is $418 per month — $31 more than the Louisiana state average of $387. However, your rate will depend on various factors.

New Orleans’ higher population density might increase average rates compared to smaller cities, says John Ford, deputy commissioner of the Louisiana Department of Insurance, Division of Affairs. He also recommends comparison shopping or raising your deductible to reduce your monthly premium.

How much does car insurance cost in New Orleans?

Drivers in New Orleans may be surprised how drastically car insurance costs can vary. For instance, senior drivers pay an average of $194 per month through National General, while drivers with an at-fault accident on their record may pay an average of $828 per month through Bristol West. But the average cost of minimum-coverage car insurance in New Orleans is $418 per month. 

This is why it’s important for all drivers, regardless of age or driving record, to shop around for quotes. By comparing rates, coverage levels, and insurer benefits, you can find the policy that meets your coverage needs and budget.

Insurify data scientists analyzed the latest insurance rates in New Orleans to identify the cheapest quotes in the city. 

• National General is the insurer with the cheapest liability-only insurance coverage in New Orleans, at an average of $196 per month.

• Direct Auto is the insurer with the cheapest full-coverage insurance in New Orleans, at an average of $348 per month.

• National General is the insurer with the cheapest insurance for new/young drivers in New Orleans, at an average of $334 per month.

Learn More: Cheap Car Insurance in Louisiana

What’s the average cost of auto insurance in New Orleans?

The average cost of car insurance in New Orleans is $486 per month for full-coverage policies and $351 per month for liability-only policies. Examining data for all policies combined, the average cost of car insurance in New Orleans is $418.

The table below shows average monthly car insurance quotes for drivers in New Orleans.

Cheapest car insurance in New Orleans: National General

National General has the cheapest car insurance in New Orleans, with an average monthly quote of $280, according to Insurify data. Factors like location and driver age can influence rates, so some drivers may be quoted at different rates.^[1]

Here are the insurers with the cheapest average monthly quotes.

How much car insurance do you need in New Orleans?

Drivers in the Bayou State are required by law to carry at least a minimum amount of insurance for any motor vehicle they operate or park on Louisiana roadways. The minimum coverage requirements are:

• $15,000 per person for bodily injury liability 

• $30,000 per accident for bodily injury liability

• $25,000 per accident for property damage liability^[2]

Keep in mind that Louisiana is an at-fault state, which means the driver responsible for the accident is responsible for paying any resulting damages to both property and person. Drivers will need to provide their insurance information when the vehicle is involved in a car accident, as well as when requested by law enforcement and when renewing vehicle registration.

Louisiana DMV information

Drivers can complete a number of services through the Louisiana Office of Motor Vehicles, including getting a title issued, registering their vehicles, and getting their driver’s licenses. Many services are also available online, such as renewing documents, licenses statuses, replacing registration, making in-person appointments, and checking wait times at branches. 

How to get cheap car insurance in New Orleans

While the cheapest car insurance in New Orleans involves a number of factors set by insurers, you have some control over the cost. For example, opting for liability-only coverage instead of full coverage may make sense if you have a low-value vehicle and want the lowest premium possible. 

You may also be able to lower your premiums by selecting multiple policies through your insurer, such as bundling your auto coverage with homeowners insurance. Ford recommends considering car insurance policies that offer programs which lower rates to good drivers and verifying the number of miles you drive each year with the amount you reported to your insurer.

“If you’ve retired or moved closer to work, the reduction in miles driven each year could help reduce rates,” he says. Other ways to potentially lower your premium include:

• Compare costs before you purchase a vehicle.

• Raise your deductible.

• Reduce optional insurance.

• Maintain a good credit score.

• Shop around for car insurance annually.^[3] 

Comparing multiple quotes from multiple insurers is one of the best ways to find the cheapest car insurance rates. Rates fluctuate overtime, insurers add new discounts, and your driving record and credit score may improve. Comparing quotes each year can help you find the lowest price available for your coverage needs.

See Also: Compare Home and Auto Insurance Bundles

How your age affects car insurance rates in New Orleans 

Although drivers of all ages can act both irresponsibly and responsibly behind the wheel, young drivers, especially teenagers, are at a higher risk of being in an accident than any other age group.^[4] Drivers age 16 to 19 are over-represented statistically in their rate of crashes compared to other age groups^[5] and are three times more likely to be in a fatal crash compared to drivers older than 20.^[6]

This trend is one reason why an older adult may have a significantly lower premium than a teenager. The table below provides some insight into how age can affect insurance premiums for drivers in New Orleans.

Cheapest car insurance for young drivers in New Orleans

The cheapest car insurance for young drivers in New Orleans is National General, at an average of $334 per month for full-coverage policies. 

Younger drivers may be able to lower their monthly premium costs by taking specific driver’s education courses. For example, some insurers may reduce premiums for eligible policyholders in Louisiana who complete a National Safety Council Defensive Driving Course.

Here are average monthly quotes for young drivers in New Orleans.

Cheapest car insurance for middle-aged drivers in New Orleans

The cheapest car insurance for middle-aged drivers in New Orleans is Direct Auto, at an average of $262 per month for full-coverage policies. 

Middle-aged drivers could potentially lower their premiums by asking if group insurance is available through their employers or by raising their deductible to at least $1,000, which could reduce costs by as much as 40%.^[3]

The following table provides average monthly quotes for middle-aged motorists in New Orleans.

Cheapest car insurance for senior drivers in New Orleans

The cheapest car insurance for senior drivers in New Orleans is National General, at an average of $169 per month for full-coverage policies. In general, older drivers tend to have the lowest insurance premiums of all age groups.

Older drivers may be able to lower their monthly rates further by applying for low-mileage discounts or reducing optional insurance on their older vehicle, especially if they drive a limited distance and number of miles each month.^[3]

The table below shows what top insurers charge, on average, per month for senior drivers in New Orleans.

The effect of credit scores on cheap car insurance in New Orleans

Louisiana law allows insurers to use credit-based insurance scores with certain limitations.^[7] A credit-based insurance score uses a person’s credit history to predict how likely they are to have an insurance loss, according to the National Association of Insurance Commissioners. A high or low credit score is one credit element that could influence the insurer’s quote. 

Credit scores range from 300 to 850 and generally fall into the following tiers:^[8]

• Exceptional: 800-850

• Very good: 740-799

• Good: 670-739

• Fair: 580-669

• Poor: 300-579

The following table displays the average monthly quote for full-coverage policies in New Orleans by credit tier.

Check Out: Car Insurance Rates by Credit Tier

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.

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:

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:

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.

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:

• Cheapest Car Insurance Quotes in Baton Rouge, LA

• Cheapest Car Insurance Quotes in Bossier City, LA

• Cheapest Car Insurance Quotes in Lake Charles, LA

• Cheapest Car Insurance Quotes in Metairie, LA
  

New Orleans driving conditions

“A major factor [why average rates may be higher in New Orleans] could be population,” says deputy commissioner Ford. “More drivers on the road means more liability and more accidents.”

New Orleans ranks 34th in cities with the highest rate of congestion worldwide and 11th in the United States.^[10] In 2022, 57 people died in car crashes in New Orleans, which is a decrease from 2021., according to the Center for Analytics & Research in Transportation.^[11] 

Find local New Orleans agents

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