How to find the cheapest car insurance in New Orleans

On average, auto insurance in New Orleans costs about $173 per month for minimum coverage liability insurance, and about $177 per month for full coverage insurance. In New Orleans drivers pay 38% more than the national average.

Jerry is a trusted resource for countless drivers in New Orleans seeking the best car insurance quotes. Let’s explore some of the savings that Jerry has uncovered for our customers in New Orleans.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
National General	$201	45	70118	Nissan Murano S	State Minimum	No
Progressive	$126	32	70116	Chevrolet Malibu Limited Ltz	State Minimum	No
Bristol West	$356	34	70126	Mazda Cx-5 Sport	State Minimum	Yes
Progressive	$98	31	70119	Subaru Impreza Sport	State Minimum	No
Bristol West	$415	26	70124	Toyota Rav4	State Minimum	No

Last Updated Dec 24, 2024

Best car insurance companies in New Orleans

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone.

Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider.

To narrow down the best car insurance options for New Orleans drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.

Here’s what the survey respondents had to say about the best car insurance companies in New Orleans:

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.4	4	4.3
Allstate	4.3	3.7	N/A	4.3
Progressive	4	3.6	2.5	4.2
State Farm	3.9	2.6	N/A	4.1
USAA	3.8	3.8	N/A	3.6

Best cheap car insurance quotes in New Orleans

Before driving in New Orleans, remember that Louisiana’s car insurance laws require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional—but most drivers choose to buy it.

Cheap minimum liability insurance quotes in New Orleans

To legally drive in New Orleans, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following:

• $15,000 of bodily injury liability coverage per person
• $30,000 of bodily injury liability coverage per accident
• $25,000 of property damage liability coverage per accident

These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.

Do you need more than minimum coverage in New Orleans?

Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process in New Orleans.

While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash.

Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000.

A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy!

And because Louisiana’s car accident laws allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident.

Cheap full coverage car insurance quotes in New Orleans

One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with full-coverage car insurance can submit insurance claims for physical damage to their own cars.

Full coverage isn’t a technical term, but it usually refers to policies that include collision coverage and comprehensive coverage on top of basic liability.

• Collision insurance: pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in New Orleans.
• Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.

Full coverage insurance isn’t required by law, but it is required by lenders. If you lease or buy a car in New Orleans, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off.

Check out the table below to see how Jerry helped New Orleans drivers balance their coverage needs with their budget!

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	No	National General	$201	45	70118	Nissan Murano S
State Minimum	No	Progressive	$126	32	70116	Chevrolet Malibu Limited Ltz
State Minimum	Yes	Bristol West	$356	34	70126	Mazda Cx-5 Sport
State Minimum	No	Progressive	$98	31	70119	Subaru Impreza Sport
State Minimum	No	Bristol West	$415	26	70124	Toyota Rav4

Last Updated Dec 24, 2024

Average cost of car insurance in New Orleans

A full coverage car insurance policy costs New Orleans drivers an average of $2,076 per year or $173 per month. For drivers who stick to only minimum liability coverage, car insurance costs $2,126 per year or $177 per month, on average.

But car insurance averages only tell part of the story—and they’re not always a good guide to finding your best insurance rate.

Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in New Orleans.

Average cost of car insurance in New Orleans by zip code

When it comes to car insurance in New Orleans, the cost can significantly differ depending on your zip code. Each zip code within New Orleans possesses its own unique risk profile, directly influencing the corresponding insurance rates.

For instance, if you happen to reside in a neighborhood with a higher frequency of auto theft and accidents, your area will be classified as high risk, leading to higher rates.

Essentially, the level of risk associated with your zip code plays a pivotal role in determining whether you’ll pay more or less for coverage.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
70112	$151	$288
70113	$149	$302
70115	$145	$319
70116	$128	$237
70117	$175	$304
70118	$129	$305
70119	$177	$280
70122	$183	$351
70124	$53	$224
70125	$184	$198
70128	$138	$329
70130	$168	$352
70148	$111	$309

Car insurance quotes in New Orleans by rating factors

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to calculate your car insurance premium in New Orleans.

• Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.
• Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage.
• Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums.
• Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.
• Your location: City zip codes carry a higher risk of accidents, theft, vandalism—and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city.

Cheap car insurance quotes in New Orleans after driving violations

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company.

Here’s how to navigate car insurance shopping if your New Orleans driving record is less than perfect.

Cheapest car insurance in New Orleans after speeding ticket

Louisiana speeding tickets come in four categories:

• 1 – 9 mph over the speed limit: $115 – $285 in fines
• 10 – 14 mph over the speed limit: $215 – $385 in fines
• 15 – 20 mph over the speed limit: $240 – $410 in fines
• 21+ mph over the speed limit: Over $240 in fines and possible license suspension

Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk Louisiana’s reckless driving charge, which carries base penalties of up to $200 in fines and up to 90 days in jail.

In New Orleans, a speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings like the Jerry drivers below, in the meantime.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding 11-15	National General	$214	33	70122	Chevrolet Malibu Ls	State Minimum	No
Speeding Violation-Minor	The General	$199	35	70118	Buick Lacrosse Cxl	25/50	No
Speeding Violation-Major	Progressive	$93	26	70114	Volkswagen Jetta S	25/50	No
Speeding 16-20	Progressive	$459	32	70114	Land Rover Discovery Sport Hse	State Minimum	Yes
Speeding Violation-Minor	Progressive	$143	24	70123	Nissan Sentra S	State Minimum	No

Last Updated Dec 25, 2024

Cheapest car insurance in New Orleans after DUI

Just one DUI violation in New Orleans can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times.

Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in New Orleans based on your record.

Cheapest car insurance in New Orleans after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes.

But don’t worry—Jerry has helped many New Orleans drivers save on car insurance after accidents.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Progressive	$119	34	70126	Mazda Cx-5 Sport	State Minimum	Yes
At Fault With No Injury	National General	$313	47	70118	Toyota Camry Solara Se	State Minimum	No
Not At Fault	National General	$289	63	70128	Dodge Journey Sxt	State Minimum	Yes
At Fault With No Injury	Progressive	$98	31	70119	Subaru Impreza Sport	State Minimum	No
Not At Fault	Bristol West	$415	26	70124	Toyota Rav4	State Minimum	No

Last Updated Dec 25, 2024

Cheapest car insurance in New Orleans after other driving violations

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your New Orleans driving record, Jerry can help you save.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
DUI	Bristol West	$333	38	70122	Kia Forte Lx	State Minimum	No
Defective Equipment	Progressive	$141	47	70125	Chrysler Sebring Touring	State Minimum	No
Careless Driving	National General	$158	36	70122	Chevrolet Traverse Lt	State Minimum	No
Careless Driving	Bristol West	$332	58	70115	Hyundai Tucson Gls	State Minimum	No
Failure to Obey Signal	National General	$296	31	70122	Volvo S60 T5	State Minimum	No

Last Updated Dec 25, 2024

Cheap car insurance quotes in New Orleans by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in New Orleans for young drivers

Like all new drivers, teenagers pay more for car insurance than drivers with a proven record of safe driving in New Orleans.

But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.

Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt.

Luckily, young New Orleans drivers can save by staying on a family policy, qualifying for good student discounts, and using usage-based insurance tools—and by shopping with Jerry, of course!

Cheapest car insurance in New Orleans for senior drivers

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience.

But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age.

Cheap car insurance quotes in New Orleans based on insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps.

Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation, any car insurance lapse will lead to higher rates down the road.

Cheap car insurance quotes in New Orleans for drivers with poor credit

All major car insurance companies will run a soft credit check and use something called a “credit-based insurance score” when evaluating your application and setting your rates.

Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.

Here’s how drivers with low credit scores saved with Jerry

Credit Range	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
660-750	National General	$201	45	70118	Nissan Murano S	State Minimum	No
550-659	Progressive	$126	32	70116	Chevrolet Malibu Limited Ltz	State Minimum	No
550-659	Bristol West	$356	34	70126	Mazda Cx-5 Sport	State Minimum	Yes
550-659	Progressive	$98	31	70119	Subaru Impreza Sport	State Minimum	No
550-659	Bristol West	$415	26	70124	Toyota Rav4	State Minimum	No

Last Updated Dec 24, 2024

Cheap car insurance quotes in New Orleans for popular cars

We’ll keep it simple: the more your vehicle costs to repair, the more it costs to insure.

This means that you’ll pay a higher rate if you drive:

• A brand-new vehicle
• A luxury car
• A sports car
• A hybrid or electric vehicle
• Any vehicle with hard-to-source components

If you drive one of New Orleans’s most popular models, you’ll likely see more moderate insurance rates, thanks to the wide availability of parts and lower cost of repairs.

Matthew Boudreaux, Public Information Director at the Louisiana Department of Motor Vehicles, says that the humble Honda Accord is the most popular car in the Pelican State, followed by the Toyota Camry and Nissan Altima.

Other popular choices in New Orleans and throughout the state of Louisiana include Ford F-150, Chevy Silverado, or GMC Sierra 1500.

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Honda Accord Ex	Progressive	$646	26	70113	State Minimum	Yes
Nissan Altima S	Progressive	$343	26	70122	State Minimum	No
Nissan Altima 2.5	Progressive	$940	30	70122	State Minimum	Yes
Nissan Altima Sv	National General	$675	49	70117	State Minimum	Yes
Nissan Altima S	Progressive	$127	36	70123	State Minimum	No

Last Updated Dec 24, 2024

Cheapest car insurance in New Orleans for new vs. old car

In general, new cars cost more to insure than older models. That’s because new cars have a higher value and are more likely to come with brand-new tech that’s costly to repair or replace.

Our research indicates that in New Orleans, the monthly insurance cost for a car older than 10 years is approximately $167. However, the average cost rises to around $249 per month for insuring a car less than four years old.

How to lower car insurance costs in New Orleans

1. Shop around and compare quotes

Paying for car insurance is no cakewalk in New Orleans. Each insurance company uses different rules to determine your premium, and these rules are subject to frequent changes.

To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.

Luckily, Jerry makes this process easy! In just 45 seconds, Jerry gathers quotes from a vast network of over 55 leading insurance providers, helping you discover the best auto insurance coverage at the best price. What’s more, Jerry offers this invaluable service free of charge!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. If you have a clean driving record with no accidents or traffic violations in New Orleans, insurers may offer discounts as a reward for your safe driving habits.
• Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.
• Good student discounts. Some insurance companies offer discounts to students who maintain good grades.

3. Increase your deductible for comprehensive and collision coverage

In a pinch, raising your full coverage deductible in New Orleans could shave a small amount off of your usual costs.

Why is car insurance in New Orleans so expensive?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in New Orleans can be costly:

• Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average.
• More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
• More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in New Orleans.

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*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

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