Best New Orleans, LA Car Insurance in 2024
Car insurance in New Orleans, LA averages $721 a month. New Orleans, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap New Orleans car insurance rates, compare quotes from the top car insurance companies in New Orleans, LA.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in New Orleans, LA are $8,649/year
- The cheapest car insurance company in New Orleans is USAA
- Average car insurance rates in New Orleans, LA after a DUI are $9,927/year
If you need to buy New Orleans, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in New Orleans, LA is right here.
You’ll find New Orleans car insurance rates, the cheapest New Orleans, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare New Orleans, Louisiana car insurance rates to Lafayette car insurance rates, Alexandria car insurance rates, and Monroe car insurance rates.
Ready to find affordable New Orleans, LA car insurance today? Enter your ZIP code for fast, free New Orleans car insurance quotes.
Cheapest New Orleans, LA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect New Orleans, LA car insurance rates? Every New Orleans, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $7,050 | $7,050 | $7,231 | $7,231 | $14,377 | $17,894 | $7,702 | $8,297 |
| Geico | $5,363 | $6,153 | $6,448 | $7,887 | $19,475 | $20,430 | $5,115 | $4,929 |
| Progressive | $6,449 | $6,057 | $5,388 | $5,810 | $24,305 | $27,060 | $7,337 | $7,398 |
| State Farm | $4,475 | $4,475 | $4,101 | $4,101 | $12,540 | $15,732 | $4,989 | $5,567 |
| USAA | $3,642 | $3,583 | $3,561 | $3,530 | $10,995 | $12,870 | $4,474 | $4,902 |
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Minimum Car Insurance in New Orleans, LA
Every driver must carry the minimum car insurance in New Orleans, LA. Take a look at the Louisiana car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest New Orleans, LA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in New Orleans, LA. Compare credit history car insurance rates in New Orleans from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $12,464 | $8,670 | $7,678 |
| Geico | $11,282 | $9,783 | $7,360 |
| Progressive | $12,759 | $10,853 | $10,064 |
| State Farm | $9,707 | $6,244 | $5,041 |
| USAA | $8,213 | $5,244 | $4,376 |
Cheapest New Orleans, LA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in New Orleans, LA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $7,740 | $11,413 | $10,278 | $8,984 |
| Geico | $6,458 | $10,370 | $12,748 | $8,323 |
| Progressive | $9,373 | $12,463 | $12,090 | $10,975 |
| State Farm | $6,426 | $7,568 | $6,997 | $6,997 |
| USAA | $4,529 | $6,314 | $7,519 | $5,416 |
Cheapest New Orleans, LA Car Insurance for Teen Drivers
Teen car insurance in New Orleans, LA can be expensive. Take a look at rates from the top car insurance companies in New Orleans for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,377 | $17,894 |
| Geico | $19,475 | $20,430 |
| Progressive | $24,305 | $27,060 |
| State Farm | $12,540 | $15,732 |
| USAA | $10,995 | $12,870 |
Cheapest New Orleans, LA Car Insurance for Seniors
Take a look at New Orleans, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $7,231 | $7,231 |
| Geico | $6,448 | $7,887 |
| Progressive | $5,388 | $5,810 |
| State Farm | $4,101 | $4,101 |
| USAA | $3,561 | $3,530 |
Cheapest New Orleans, LA Car Insurance Rates After a DUI
A DUI in New Orleans, LA increases car insurance rates. Compare New Orleans, Louisiana DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $10,278 |
| Geico | $12,748 |
| Progressive | $12,090 |
| State Farm | $6,997 |
| USAA | $7,519 |
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Cheapest New Orleans, LA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in New Orleans, LA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $9,604 | $9,604 |
| Geico | $9,279 | $9,671 |
| Progressive | $11,225 | $11,225 |
| State Farm | $6,809 | $7,186 |
| USAA | $5,756 | $6,133 |
Cheapest New Orleans, LA Car Insurance Rates by ZIP Code
New Orleans car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in New Orleans, LA.
| ZIP Code | Average Annual Rates |
|---|---|
| 70112 | $7,967 |
| 70113 | $8,475 |
| 70114 | $7,657 |
| 70115 | $7,234 |
| 70116 | $8,400 |
| 70117 | $8,666 |
| 70118 | $7,260 |
| 70119 | $8,271 |
| 70122 | $8,354 |
| 70124 | $6,762 |
| 70125 | $7,894 |
| 70126 | $8,524 |
| 70127 | $8,622 |
| 70128 | $8,587 |
| 70129 | $8,512 |
| 70130 | $7,973 |
| 70131 | $7,413 |
| 70139 | $8,105 |
| 70145 | $8,433 |
| 70146 | $8,433 |
| 70148 | $8,298 |
| 70163 | $7,980 |
| 70170 | $7,954 |
The Best Cheap Car Insurance Companies in New Orleans, LA
Take a look at a side-by-side comparison of the top car insurance companies in New Orleans, LA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $9,604 |
| Geico | $9,475 |
| Progressive | $11,225 |
| State Farm | $6,997 |
| USAA | $5,945 |
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Category Winners: Cheapest Car Insurance in New Orleans, Louisiana
Find the cheapest car insurance companies in New Orleans, LA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest New Orleans, LA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your New Orleans car insurance rates. Find the cheapest New Orleans, LA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $8,055 | $9,796 | $10,961 |
| Geico | $7,649 | $9,507 | $11,269 |
| Progressive | $9,149 | $11,120 | $13,408 |
| State Farm | $6,040 | $6,981 | $7,972 |
| USAA | $5,088 | $6,045 | $6,702 |
What affects car insurance rates in New Orleans, Louisiana?
What factors can have an impact on New Orleans, LA car insurance? There are several reasons why New Orleans car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in New Orleans, Louisiana.
Car Theft in New Orleans
High levels of vehicle theft can make car insurance more expensive. New Orleans, LA car theft statistics from the FBI indicate 2,994 vehicle thefts a year.
Commute Time in New Orleans
The more time you spend in your car the higher the risk of an accident. The average commute length in New Orleans, LA is 24.2 minutes according to City-Data.
Traffic in New Orleans
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. New Orleans, LA traffic data from INRIX ranks New Orleans as the 52nd-most congested in the world.
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Compare Car Insurance Quotes in New Orleans, LA
Ready to find affordable New Orleans, Louisiana car insurance today? Enter your ZIP code for fast, free New Orleans, LA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in New Orleans, LA?
To compare car insurance rates in New Orleans, LA, you can follow these steps:
- Gather information: Collect details about your vehicle, driving history, and insurance needs.
- Research insurance companies: Look for reputable insurance providers that offer coverage in New Orleans, LA.
- Request quotes: Reach out to different insurance companies and provide the necessary information to receive accurate quotes.
- Compare coverage options: Review the coverage levels, deductibles, and additional features offered by each insurer.
- Evaluate costs: Consider the premiums and any potential discounts offered by each insurer.
- Choose the best option: Select the insurance policy that provides the coverage you need at a price that fits your budget.
What factors can affect car insurance rates in New Orleans, LA?
Several factors can influence car insurance rates in New Orleans, LA. These may include:
- Your age, gender, and marital status
- Your driving record and claims history
- The make, model, and year of your vehicle
- The coverage limits and deductibles you choose
- The amount of mileage you drive annually
- The location where your vehicle is primarily parked in New Orleans, LA
Are car insurance rates the same for all drivers in New Orleans, LA?
No, car insurance rates can vary among drivers in New Orleans, LA. Insurance companies consider individual factors such as driving record, age, gender, and vehicle type when determining premiums. Each driver’s unique circumstances can affect the rates they receive.
How can I save money on car insurance in New Orleans, LA?
Here are some tips to potentially save money on car insurance in New Orleans, LA:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as home or renters insurance, to potentially receive a multi-policy discount.
- Inquire about available discounts, such as safe driver discounts or discounts for completing defensive driving courses.
- Consider raising your deductibles if you can afford to pay a higher amount out of pocket in the event of a claim.
- Shop around and compare quotes from different insurance companies to find the most competitive rates.
Are there any specific considerations for car insurance in New Orleans, LA?
When obtaining car insurance in New Orleans, LA, it’s important to consider the specific driving conditions and risks in the area. Factors such as local accident rates, weather patterns, and the population density may influence the coverage you need. It’s advisable to discuss these considerations with insurance agents or companies familiar with the region.
Where can I find more information about car insurance in New Orleans, LA?
To gather more information about car insurance in New Orleans, LA, you can:
- Visit the websites of insurance companies that operate in New Orleans, LA, and explore their coverage options.
- Contact local insurance agents or brokers who can provide personalized guidance based on your specific needs and location.
- Check with the Louisiana Department of Insurance or other relevant state agencies for resources and information on car insurance requirements and regulations.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.