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

National General, Direct Auto, and The General offer the cheapest car insurance for full-coverage insurance in New Orleans.

Nick Dauk
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Nick Dauk
Nick Dauk
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney Mikulski
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Courtney Mikulski
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Courtney Mikulski
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Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated February 1, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Nick Dauk
Written by
Nick Dauk
Nick Dauk
Written by
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated February 1, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

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.

Insurance CompanyLiability OnlyFull Coverage
National General$196$364
Safeco$259$474
The General$279$405
Direct Auto$313$348
Midvale Home & Auto$320$452
Clearcover$359$398
Kemper Specialty$386$624
Progressive$395$476
Bristol West$500$642
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.

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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.

Insurance CompanyAverage Monthly Quote
National General$280
Direct Auto$330
The General$342
Safeco$366
Clearcover$378
Midvale Home & Auto$386
Progressive$436
Kemper Specialty$505
Bristol West$571
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.

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.

Age GroupAverage Monthly Quote
Teenagers$1,002
Younger Than 25$574
25–29$406
30s$373
40s$356
50s$311
60s$340
70s$339
80+$305
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 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.

Insurance CompanyAverage Monthly Quote
National General$334
Progressive$398
Direct Auto$454
Safeco$456
The General$465
Clearcover$513
Kemper $531
Midvale Home & Auto$559
Bristol West$841
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 for middle-aged drivers in New Orleans

The cheapest car insurance for middle-age 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.

Insurance CompanyAverage Monthly Quote
National General$194
Direct Auto$262
Safeco$288
The General$293
Progressive$318
Clearcover$332
Kemper $343
Midvale Home & Auto$347
Bristol West$535
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 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.

Insurance CompanyAverage Monthly Quote
National General$169
Direct Auto$234
The General$253
Progressive$279
Clearcover$281
Safeco$334
Midvale Home & Auto$344
Kemper$357
Bristol West$501
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.

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.

Credit TierAverage Quote
Excellent$355
Good$412
Fair$424
Poor$458
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.

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.

Insurance CompanyClean Record
National General$226
Direct Auto$299
Progressive$316
The General$318
Safeco$336
Midvale Home & Auto$353
Clearcover$365
Kemper Specialty$377
Bristol West$591
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:

Insurance CompanyClean RecordWith AccidentDifference
National General$226$348$122
Direct Auto$299$473$174
Progressive$316$474$158
The General$318$466$148
Safeco$336$393$57
Midvale Home & Auto$353$707$354
Clearcover$365$554$189
Kemper Specialty$377$533$156
Bristol West$591$828$237
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:

Insurance CompanyClean RecordWith DUIDifference
National General$226$384$158
Direct Auto$299$532$233
Progressive$316$378$62
The General$318$372$54
Kemper Specialty$377$463$86
Bristol West$591$820$229
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.

Insurance CompanyClean RecordWith Speeding TicketDifference
National General$226$335$109
Direct Auto$299$453$154
Progressive$316$440$124
The General$318$463$145
Safeco$336$296-$40
Midvale Home & Auto$353$503$150
Clearcover$365$464$99
Kemper Specialty$377$518$141
Bristol West$591$839$248
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:

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

  • 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 car insurance FAQs

You can learn more about car insurance in New Orleans by checking out these commonly asked questions.

  • The average cost of car insurance in New Orleans is $418 per month or $5,016 per year.

  • The minimum liability insurance needed for drivers in New Orleans is $15,000 per person and $30,000 per accident for bodily injury and $25,000 per accident for property damage.

  • If you’re caught driving without insurance in New Orleans, you may be subject to fines between $500 and $1,000, and you may be at risk of license suspension, license plate cancelation, and registration revocation for 180 days.[2]

  • National General offers the cheapest liability-only car insurance, at an average of $196 per month. Direct Auto offers the cheapest full-coverage insurance, at an average of $348 per month. 

  • When evaluating data assessing drivers, Insurify found that the city in Louisiana with the worst drivers was Lafayette, Louisiana, not New Orleans. Lafayette had 17% of drivers with at-fault violations on their records — 13% greater than the state average.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed January 30, 2023
  2. Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance." Accessed January 30, 2023
  3. III. "How to save money on car insurance." Accessed January 30, 2023
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts ." Accessed January 30, 2023
  5. National Safety Council Injury Facts. "Age of Driver." Accessed January 30, 2023
  6. Insurance Institute for Highway Safety. "Fatality Facts 2020: Teenagers." Accessed January 30, 2023
  7. Louisiana Department of Insurance. "Report on Insurers' Practice of Credit Scoring." Accessed January 30, 2023
  8. Experian. "What Is a Good Credit Score?." Accessed January 30, 2023
  9. III. "Do auto insurance premiums go up after a claim?." Accessed January 30, 2023
  10. INRIX. "New Orleans, LA." Accessed January 30, 2023
  11. Center for Analytics & Research in Transportation. "Fatalities by Parish." Accessed January 30, 2023
Nick Dauk
Written by
Nick Dauk
Linkedin

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.