Cheap Auto Insurance Quotes in New Orleans, LA (2021)

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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.

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.

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Cheapest Car Insurance in New Orleans, LA

Here are the cheapest carriers in New Orleans for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in New Orleans. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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New Orleans, LA Driving Facts

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.

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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
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 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.

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

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.

Conclusion: 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.

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

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how New Orleans stacks up for the state of Louisiana:

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Nissan Altima
Most Popular Car in
New Orleans, LA
suspended licenses
#6
Cities with Most
Suspended Licenses Rank

FAQs - New Orleans, LA Car Insurance

What are New Orleans DUI laws?

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.

What if I can’t afford to pay my driving fines in New Orleans?

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.

How do I pay for property damage in New Orleans?

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.