Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in New Orleans, LA
We monitor insurance prices, helping the average driver in the New Orleans area save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in New Orleans
The chart below shows the cheapest car insurance company in New Orleans for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.
| New Orleans Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $128 |
| State Farm | $151 |
| Safeco Insurance | $152 |
| Clearcover | $169 |
Savings for Every Kind of New Orleans Driver
Based on our extensive insurance data, we know the average New Orleans driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $980 per year by choosing the right vehicle insurance company. Some New Orleans residents are paying out over $3,523 extra every year for auto insurance in New Orleans. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
New Orleans, LA Savings / Yr. |
|---|---|
$980 |
|
$1,719 |
|
$1,223 |
|
$1,845 |
|
$2,927 |
|
$909 |
|
$1,562 |
New Orleans Car Insurance vs. Louisiana
People living in New Orleans pay an average of 16.93% more than the typical driver in the state. The average driver in New Orleans can expect to pay about $2,229 per year, or $3,523 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in New Orleans for most people.
Car Insurance Prices by New Orleans Neighborhood
Insurance Prices
Where is insurance cheapest within New Orleans?
The map shows insurance prices in and around New Orleans, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,333 per year within the city boundaries, with insurance premiums ranging from a high of $4,465 to a low of $3,132. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of New Orleans.Pick the Best Car Insurance Company for You in New Orleans
The best car insurance provider for most drivers in New Orleans
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $980 over the average New Orleans car insurance company.
The best car insurance provider for New Orleans drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,719 over the competition.
The best car insurance company for New Orleans drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,223 better than other car insurance companies.
The best auto insurance for New Orleans drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $1,845 less each year.
The least expensive car insurance company for new and young drivers in New Orleans
In New Orleans, Farm Bureau costs young drivers $2,927 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in New Orleans
Farm Bureau gave the largest car insurance discounts to married couples, averaging $909 saved each year compared to an average New Orleans couple's premiums.
The cheapest car insurance in New Orleans for drivers with bad credit
The best New Orleans car insurance company for customer service
Nationwide was the best company for customer service in New Orleans according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in New Orleans, which was better than other insurers.
The cheapest large national provider in New Orleans
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average New Orleans driver can expect to pay about $222 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In New Orleans, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around New Orleans
What Influences the Cost of Car Insurance in New Orleans?
On average, car insurance in New Orleans is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Louisiana state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the New Orleans area are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- New Orleans is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in New Orleans is $186 per month for minimum coverage and $294 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Arabi: Insurance costs 1.08% more
- Gretna: Insurance costs 4.20% more
- Terrytown: Insurance costs 4.80% more
- Chalmette: Insurance costs 2.81% more
- Jefferson: Insurance costs 2.30% less
- Harvey: Insurance costs 8.35% more
- Timberlane: Insurance costs 5.05% more
- Bridge City: Insurance costs 2.72% more
- Westwego: Insurance costs 2.10% less
- Metairie: Insurance costs 6.22% less
Cities with Similar Populations
- St. Charles: Insurance costs 46.92% less
- Staten Island: Insurance costs 17.74% less
- St. Peters: Insurance costs 47.12% less
- Spring Hill: Insurance costs 24.61% less
- Sumter: Insurance costs 52.26% less
- St. Petersburg: Insurance costs 18.73% less
- Sterling Heights: Insurance costs 9.68% less
- St. George: Insurance costs 61.40% less
- Syracuse: Insurance costs 36.30% less
- St. Cloud: Insurance costs 53.53% less