Cheapest car insurance in Metairie, Louisiana (Nov 2024)

How to find the cheapest car insurance in Metairie

Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Progressive	$147	Madge, 71 Zip: 70002	Ford Mustang	• State Minimum Liability
Safeco	$128	Irene, 55 Zip: 70005	Chevrolet Traverse LS	• 30,000/60,000 Liability • Comp / Collision
Travelers	$155	Minnie, 28 Zip: 70003	Toyota RAV4 XLE	• 100,000/300,000 Liability • Comp / Collision
Allstate	$126	Lena, 52 Zip: 70003	Chevrolet Suburban K1500	• State Minimum Liability
Clearcover	$232	Lura, 53 Zip: 70001	Dodge Charger SXT	• State Minimum Liability • Comp / Collision

Last Updated Nov 25, 2024

Best Car Insurance Companies in Metairie

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Metairie

Cheap minimum liability insurance quotes in Metairie

$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

Progressive

Madge (71 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70002)

Ford Mustang

$147

per month

Allstate

Lena (52 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Chevrolet Suburban K1500

$126

per month

National General

Dollie (27 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70005)

Nissan Sentra S

$182

per month

Clearcover

William (27 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70005)

Fiat 500 Lounge

$148

per month

Bristol West

Gordon (57 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70006)

Nissan Altima 2.5

$144

per month

Do you need more than minimum coverage in Metairie?

Cheap full coverage car insurance quotes in Metairie

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 Metairie.
Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$226	Allen, 59 Zip: 70006	Hyundai Elantra SEL
• 30,000/60,000 Liability • Comp / Collision	Safeco	$128	Irene, 55 Zip: 70005	Chevrolet Traverse LS
• 100,000/300,000 Liability • Comp / Collision	Travelers	$155	Minnie, 28 Zip: 70003	Toyota RAV4 XLE
• State Minimum Liability • Comp / Collision	Allstate	$392	Amanda, 29 Zip: 70001	Hyundai Sonata SE
• State Minimum Liability • Comp / Collision	Bristol West	$468	Myrtle, 37 Zip: 70002	Mazda 3 Touring

Last Updated Nov 22, 2024

Average cost of car insurance in Metairie

Car insurance quotes in Metairie by rating factors 

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 Metairie after driving violations

Cheapest car insurance in Metairie 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 Metairie, 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)	Customer	Car	Insurance Coverage
Speeding 1-5	AAA	$69	Arthur, 44 Zip: 70004	Chrysler 300	• 50,000/100,000 Liability
Speeding 6-10	AAA	$62	Leo, 36 Zip: 70033	Hyundai Kona	• 100,000/300,000 Liability

Last Updated Nov 25, 2024

Cheapest car insurance in Metairie after DUI

Just one

DUI violation

in Metairie 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 Metairie based on your record.

Progressive

Warren (31 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70010)

Honda Clarity

$72

per month

Nationwide

Sarah (41 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70001)

Dodge Dakota

$76

per month

Cheapest car insurance in Metairie after an at-fault accident

Accident type	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
At Fault With Injury	Clearcover	$382	Jeffery, 24 Zip: 70002	KIA RIO S	• 50,000/100,000 Liability
At Fault With No Injury	Progressive	$431	Olivia, 33 Zip: 70003	Toyota Camry SE Night Shade	• State Minimum Liability • Comp / Collision
Not At Fault	Allstate	$392	Elnora, 28 Zip: 70001	Hyundai Sonata SE	• State Minimum Liability • Comp / Collision
At Fault With No Injury	National General	$130	Leona, 30 Zip: 70003	Mercedes-Benz CLA 250	• State Minimum Liability

Last Updated Nov 25, 2024

Cheapest car insurance in Metairie after other driving violations

Violation	Insurance company	Premium (monthly)	Customer	Car	Insurance coverage
Illegal Turn	Progressive	$358	Walter, 30 Zip: 70001	Toyota RAV4	• State Minimum Liability
Failure to Obey Signal	Clearcover	$244	Noah, 28 Zip: 70003	Chevrolet Silverado C1500	• State Minimum Liability • Comp / Collision
Careless Driving	Bristol West	$394	Nell, 34 Zip: 70005	Ford Explorer XLT	• State Minimum Liability
Failure to Obey Signal	National General	$136	Shawn, 38 Zip: 70002	Volkswagen Passat S	• State Minimum Liability

Last Updated Nov 23, 2024

Cheap car insurance quotes in Metairie by age

Cheapest car insurance in Metairie for young drivers

Like all

new drivers

, teenagers pay more for car insurance than drivers with a proven record of safe driving in Metairie. 

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 Metairie 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! 

Progressive

Terry (23 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Metairie, LA
(Zip Code: 70005)

Ford Focus SE

$289

per month

National General

Marian (24 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Honda Civic LX

$237

per month

Cheapest car insurance in Metairie 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. 

Progressive

Madge (71 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70002)

Ford Mustang

$147

per month

Clearcover

Rosalie (78 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70001)

Honda Prelude

$165

per month

National General

Ian (65 years old)

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Mitsubishi Outlander ES

$90

per month

Cheap car insurance quotes in Metairie based on insurance history

Progressive

Sara (29 years old)

Currently Insured

Coverage

State Minimum

Metairie, LA
(Zip Code: 70001)

Nissan Altima SR

$69

per month

Allstate

Theodore (51 years old)

Currently Insured

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Chevrolet Suburban K1500

$126

per month

Clearcover

Rodney (35 years old)

Currently Insured

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Infiniti G37

$277

per month

Bristol West

Gary (29 years old)

Currently Insured

Coverage

State Minimum

Metairie, LA
(Zip Code: 70006)

Toyota Camry LE

$282

per month

Allstate

Mina (51 years old)

Currently Insured

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

Chevrolet Suburban K1500

$126

per month

Cheap car insurance quotes in Metairie for popular cars

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

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Honda Accord EX	Progressive	$146	David, 28 Zip: 70001	• State Minimum Liability • Comp / Collision
Toyota Camry LE	Bristol West	$282	Gavin, 29 Zip: 70006	• State Minimum Liability
Nissan Altima	National General	$316	Lola, 38 Zip: 70003	• State Minimum Liability

Last Updated Nov 22, 2024

Cheapest car insurance in Metairie 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 Metairie, the monthly insurance cost for a car older than 10 years is approximately --. However, the average cost rises to around -- per month for insuring a car less than four years old.

Progressive

Madge (71 years old)

2013 Ford Mustang

Coverage

State Minimum

Metairie, LA
(Zip Code: 70002)

$147

per month

Allstate

Lena (52 years old)

1999 Chevrolet Suburban K1500

Coverage

State Minimum

Metairie, LA
(Zip Code: 70003)

$126

per month

Safeco

Irene (55 years old)

2017 Chevrolet Traverse LS

Coverage

30,000 per person

60,000 per accident bodily injury

Comp / Collision

Metairie, LA
(Zip Code: 70005)

$128

per month

Bristol West

Gordon (57 years old)

2015 Nissan Altima 2.5

Coverage

State Minimum

Metairie, LA
(Zip Code: 70006)

$144

per month

National General

Jeff (59 years old)

2019 Hyundai Elantra SEL

Coverage

State Minimum

Metairie, LA
(Zip Code: 70006)

$228

per month

Clearcover

Lura (53 years old)

2019 Dodge Charger SXT

Coverage

State Minimum

Metairie, LA
(Zip Code: 70001)

$232

per month

How to lower car insurance costs in Metairie

1. Shop around and compare quotes

 2. Hunt for car insurance discounts

Good driver discounts. If you have a clean driving record with no accidents or traffic violations in Metairie, 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

Why is car insurance in Metairie so expensive?

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 Metairie.