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Get Cheap Car Insurance in Orleans Parish, LA
We monitor insurance prices, helping the average driver in Orleans Parish save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in Orleans Parish
The chart below shows the cheapest car insurance company in Orleans Parish 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.
| Orleans Parish Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $140 |
| State Farm | $165 |
| Safeco Insurance | $166 |
| Clearcover | $184 |
Savings for Every Kind of Orleans Parish Driver
Based on our extensive insurance data, we know the average Orleans Parish 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 $1,069 per year by choosing the right vehicle insurance company. Some Orleans Parish residents are paying out over $3,845 extra every year for auto insurance in Orleans Parish. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Orleans Parish, LA Savings / Yr. |
|---|---|
$1,069 |
|
$1,876 |
|
$1,335 |
|
$2,014 |
|
$3,194 |
|
$991 |
|
$1,705 |
Orleans Parish Car Insurance vs. Louisiana
People living in Orleans Parish pay an average of 27.60% more than the typical driver in the state. The average driver in Orleans Parish can expect to pay about $2,432 per year, or $3,845 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Orleans Parish for most people.
Car Insurance Prices by Orleans Parish Neighborhood
Insurance Prices
Where is insurance cheapest within Orleans Parish?
The map shows insurance prices in and around Orleans Parish, 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 county 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 Orleans Parish.Pick the Best Car Insurance Company for You in Orleans Parish
The best car insurance provider for most drivers in Orleans Parish
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $1,069 over the average Orleans Parish car insurance company.
The best car insurance provider for Orleans Parish 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 $1,876 over the competition.
The best car insurance company for Orleans Parish drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $1,335 better than other car insurance companies.
The best auto insurance for Orleans Parish drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $2,014 less each year.
The least expensive car insurance company for new and young drivers in Orleans Parish
In Orleans Parish, Farm Bureau costs young drivers $3,194 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Orleans Parish
Farm Bureau gave the largest car insurance discounts to married couples, averaging $991 saved each year compared to an average Orleans Parish couple's premiums.
The cheapest car insurance in Orleans Parish for drivers with bad credit
The best Orleans Parish car insurance company for customer service
Nationwide was the best company for customer service in Orleans Parish according to the NAIC.
Recent price drops
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The cheapest large national provider in Orleans Parish
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Orleans Parish 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 Orleans Parish, 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 Orleans Parish
What Influences the Cost of Car Insurance in Orleans Parish?
On average, car insurance in Orleans Parish 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 county 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 Orleans Parish 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.
- Orleans Parish is one of the least populated areas in the state. The county’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Orleans Parish is $203 per month for minimum coverage and $320 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 Counties
- Jefferson Parish: Insurance costs 8.74% less
- St. Bernard Parish: Insurance costs 7.15% less
- Plaquemines Parish: Insurance costs 14.85% less
- St. Charles Parish: Insurance costs 15.45% less
- St. John the Baptist Parish: Insurance costs 11.94% less
- St. Tammany Parish: Insurance costs 16.83% less
- Lafourche Parish: Insurance costs 21.40% less
- St. James Parish: Insurance costs 17.40% less
- Hancock County: Insurance costs 54.85% less
- Terrebonne Parish: Insurance costs 21.72% less
Counties with Similar Populations
- Allen County: Insurance costs 67.67% less
- Anoka County: Insurance costs 54.98% less
- Bell County: Insurance costs 56.31% less
- Berks County: Insurance costs 63.51% less
- Boulder County: Insurance costs 49.49% less
- Brazoria County: Insurance costs 54.41% less
- Butler County: Insurance costs 70.33% less
- Northampton County: Insurance costs 62.91% less
- Richland County: Insurance costs 53.89% less
- Nueces County: Insurance costs 53.47% less