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New Orleans Car Insurance

How much does car insurance cost in New Orleans, LA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in New Orleans?

New Orleans is known for its jazz clubs, its cajun-creole cuisine and its huge Mardi Gras “Fat Tuesday” Festival. Jazz began in the city's African American neighborhoods in the 1880s. Today, there are jazz clubs all over the city, and you can learn more about jazz in New Orleans at the New Orleans Jazz Museum. Don't want to wait until evening to hear jazz? You can hear jazz over brunch at many New Orleans restaurants. Like spicy food? You'll want to try the cajun-creole fare in New Orleans. With hot peppers and plenty of tomatoes, the cajun-creole cuisine is a mix of French, Spanish, African and Carribean influences. The Mardi Gras Festival is a big tradition in New Orleans with grand floats, loud music and revelers in the streets. The city's French Quarter is the site of the original city founded by French colonists in 1718 and is known for its restaurants and shops. In Jackson Square, there are artists painting, drawing and selling their art. City Park is a 1,300-acre park in New Orleans. The park has tennis courts, multiple athletic fields, an 18-hole golf course and there is even a Carousel Gardens Amusement Park.

You can get around New Orleans on a streetcar if you wish. But if you need to get where you are going in a hurry, you'll want to take your car. Are you happy with car insurance? Would you like lower rates? Shopping around is the thing to do. SmartFinancial can help. SmartFinancial has more than 200 insurance partners. All you need to do to shop around is fill out a short form and you'll have insurance quotes from several insurance providers. Now let's take a look at what you need to know about car insurance in New Orleans.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Louisiana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in New Orleans typically pay around $227.79 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Louisiana $191.11
New Orleans, Louisiana $227.79

New Orleans, LA Best Car Insurance Companies

car insurance in New Orleans

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Safeco generally has the most affordable car insurance in New Orleans coming in around $128.87 per month. Other companies to consider if you live in New Orleans is USAA with an average cost of $181.65 per month and Southern Farm Bureau which typically runs around $223.44 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in New Orleans.

RankCompanyAverage Monthly RateComparison State Average
1 Safeco $128.87-32.57%
2 USAA $181.65-4.95%
3 Southern Farm Bureau $223.4416.91%
4 Direct Auto $231.0620.90%
5 NatGen Value $237.2124.12%
6 National General $256.0033.95%
7 State Farm $268.4740.48%
8 Liberty Mutual $410.45114.77%
9 Kemper Premium $417.22118.31%
10 Allstate $423.65121.68%

How Much is Car Insurance in New Orleans, LA?

how much is auto insurance in New Orleans

Rates can vary from city to city. The residents of Baton Rouge typically pay $215.82 per month while people who live in Lafayette will pay $194.39 per month on average. See what people pay for car insurance in other cities in Louisiana.

Louisiana CitiesMonthly Average Rate
Baton Rouge $215.82
Lafayette $194.39
Metairie$207.87
New Orleans $229.06
Shreveport $153.91

Cheap Car Insurance in New Orleans by Zip Codes

find cheap auto insurance in New Orleans

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Louisiana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

New Orleans, LA ZIP CodeAverage Monthly Rate
70112$231.80
70113$213.42
70114$216.16
70115$205.29
70116$219.39
70117$229.24
70118$219.95
70119$236.45
70121$202.34
70122$238.88
70123$231.09
70124$205.87
70125$214.08
70126$236.97
70127$237.17
70128$240.35
70129$221.06
70130$225.80
70131$257.90
70148$224.91

Car Insurance Rates by Driver's Age Group in New Orleans

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $557.61 per month in New Orleans. Compare that to drivers in their 30’s who typically pay around $203.70 per month drivers in their 40s at $193.64 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$557.61
20s$294.87
30s$203.70
40s$193.64
50s$179.77
60s$195.61
70+$198.40

Cheapest Insurance for Teenage Drivers in New Orleans

If you are teen in New Orleans you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $344.11 per month. This is likely the most affordable option in New Orleans. You might also want to consider Southern Farm Bureau and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$344.11
Southern Farm Bureau$511.13
State Farm$621.09
Direct Auto$642.54
Allstate$802.69

Cheapest Insurance for 20 Year-olds in New Orleans

20 year-olds in New Orleans might want to consider USAA who, on average, offers car insurance rates around $219.49 per month. Southern Farm Bureau , Direct Auto , State Farm and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$219.49
Southern Farm Bureau$297.84
Direct Auto$298.92
State Farm$343.12
Allstate$499.27

Cheapest Insurance for 30 Year-olds in New Orleans

If you are in your 30s in New Orleans our research has found that USAA typically has the most affordable coverage coming in around $175.01 per month, followed by Direct Auto at $192.01 and Southern Farm Bureau at $202.48.

CompanyAverage Monthly Rate
USAA$175.01
Direct Auto$192.01
Southern Farm Bureau$202.48
State Farm$243.42
Liberty Mutual$331.75

Cheapest Insurance for 40 Year-olds in New Orleans

On average, USAA offers car insurance for 40 year-olds in New Orleans for around $165.45 per month. If you are looking for affordable coverage, you may also want to consider Direct Auto or Southern Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$165.45
Direct Auto$180.02
Southern Farm Bureau$191.32
State Farm$248.14
Liberty Mutual$363.67

Cheapest Insurance for 50 Year-olds in New Orleans

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In New Orleans we found that USAA generally offers the most affordable coverage at $154.19 per month.

CompanyAverage Monthly Rate
USAA$154.19
Direct Auto$168.75
Southern Farm Bureau$179.71
State Farm$228.11
NatGen Value$237.21

Cheapest Insurance for 60 Year-olds in New Orleans

If you live in New Orleans and you’re in your 60s, our data indicates that Safeco usually has the best rates at $128.87 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Safeco$128.87
USAA$164.14
Southern Farm Bureau$188.43
Direct Auto$190.31
State Farm$222.90

Driver's Coverage Auto Insurance Rates in New Orleans, LA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In New Orleans, the average monthly rate for a driver who is currently insured is $227.44 while drivers who are not currently covered will pay around $230.52.

CoverageAverage Monthly Rate
Not Currently Insured $230.52
Currently Insured $227.44

Compare Recent Car Insurance Quotes in New Orleans

auto insurance quotes in New Orleans city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In New Orleans a driver of a 2006 Mitsubishi Galant can expect to pay around $211.53 per month while someone that owns a 2006 Mitsubishi Galant may pay around $211.53 per month. Check out the list of recent quotes in New Orleans below.

VehicleAverage Monthly Rate
2006 Mitsubishi Galant$211.53
2006 Mitsubishi Galant$211.53
2006 Mitsubishi Galant$391.27
2006 Mitsubishi Galant$493.12
2015 Nissan Altima$244.45
2015 Nissan Altima$389.97
2015 Nissan Altima$294.97
2015 Nissan Altima$488.13
2004 Ford F250$123.84
2004 Ford F250$188.21

FAQ's for Drivers in New Orleans, LA

driver’s frequently asked question in New Orleans

New Orleans Auto Insurance Requirements

In New Orleans, you are required to have auto liability insurance coverage.

What Is the Minimum Amount of Liability Coverage Requirement in New Orleans?

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

What Is the Blood Alcohol Concentration (BAC) Limit in New Orleans?

The legal blood alcohol content (BAC) level limit is .08% in Louisiana. This BAC limit is the same for every state. If you have .08% BAC level and you are driving in Louisiana, you could be convicted of a DUI. You would face a fine of $300 to $1,000, jail time of 10 days to six months and as much as two years probation. Once you have a DUI conviction on your record, your insurance rates will go up. Just how high your premiums climb depend on your insurer. Insurance companies view DUIs differently. Some charge higher rates than others following a DUI. SmartFinancial can help you find insurance companies that charge lower rates for drivers with DUI convictions.

Can I Register My Car Without Insurance in New Orleans?

You will need to have auto liability insurance before you can register a car in New Orleans. Your auto insurance and your car registration are important. Keep them up-to-date at all times. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Louisiana Department of Insurance and certified by the Louisiana State DMV. In addition, the insurance for your car must be issued in the name of the vehicle registrant. So the name on the liability insurance must match the name on the vehicle registration.

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Commute Time in New Orleans, LA

23.8 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in New Orleans, LA

131

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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