The best car insurance in New Orleans, LA

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 17, 2021

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Car insurance in the Big Easy can be very expensive. The average cost of a full coverage car insurance policy in New Orleans is $4,508 a year, well over the Louisiana state average of $2,906.

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That makes it all the more important for drivers in New Orleans to shop around to find their best rates. Policygenius can help you see quotes from top car insurance companies, so you can find the coverage you need at a price that works for you.

Key Takeaways

  • USAA  has the lowest average rate for full coverage car insurance in New Orleans at $2,009

  • 70115 is the cheapest ZIP code for car insurance in New Orleans

  • Louisiana requires a minimum of $15,000 per person/$30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage

Cheapest car insurance companies in New Orleans, LA

Car insurance rates depend on lots of things, like your age, driving history, address, credit score — and the company you choose.

The same driver can get two very different rates at two different companies, that's why it's important to shop around and find the right car insurance coverage at the right price.

Company

Average cost

JD Power Rating

USAA

$2,009

890

Louisiana Farm Bureau

$2,712

--

State Farm

$2,820

881

Louisiana Farm Bureau

$3,731

--

Safeway Insurance

$4,411

--

Cheapest car insurance rates by ZIP code in New Orleans, LA

Where you live in a city can be one of the biggest factors that goes into your car insurance rates. Every neighborhood has different rates of car thefts and vandalism, accidents and claims, even car repair costs in your part of the city can affect what you’ll pay for car insurance.

ZIP code

Average cost

70112

$4,351

70113

$4,746

70114

$4,385

70115

$4,308

70116

$4,517

70117

$4,940

70118

$4,347

70119

$4,665

Choosing the right car insurance company in New Orleans, LA

Finding the right car insurance might seem difficult, especially in a pricey city like New Orleans, but it doesn't have to be complicated. It all comes down to figuring out what’s most important to you. Here are some of the factors to consider when shopping:

  • Cost: Different companies charge different rates for similar coverage, that's why it's important to compare quotes from multiple car insurance companies to find the best rate

  • Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be 

  • Customer service: Do a little research on the insurance company itself. Read customer reviews and check claims satisfaction ratings to see how the companies stack up

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies so you can choose the option that’s right for you.

Car insurance rates for drivers with driving violations in New Orleans, LA

Your driving history will also affect your car insurance rates. Any kind of moving violation or accident can have a negative impact on your rates, but violations involving alcohol or controlled substances, like a DUI, are usually the most costly.

Violation

USAA

Louisiana Farm Bureau

State Farm

Louisiana Farm Bureau

Safeway Insurance

At-fault Accident

$3,078

$3,668

$3,258

$4,025

$5,801

DUI

$3,335

$3,774

$3,055

$3,731

$6,210

Driving with a suspended license

$3,165

$3,268

$3,055

$3,731

$6,210

Driving with an open container

$2,811

$3,774

$3,055

$3,731

$4,986

Driving with expired registration

$2,699

$3,268

$3,055

$3,731

$4,780

Driving without Lights

$2,699

$3,268

$3,055

$3,731

$4,780

Failure to show documents

$2,699

$3,268

$3,055

$3,731

$4,780

Failure to stop at a red light

$2,699

$3,268

$3,055

$3,731

$4,780

Cheapest car insurance for drivers with bad credit in New Orleans, LA

Your credit score can also have big impacts on your car insurance rates. Lower credit scores can be red flags for insurance companies, so drivers with poor credit scores should be prepared to see higher car insurance rates.

That’s why it’s all the more important for drivers with poor credit to shop around and compare rates before they buy.

Company

Rates for drivers with bad credit

USAA

$3,382

Safeway Insurance

$4,673

Louisiana Farm Bureau

$5,193

Louisiana Farm Bureau

$7,728

SafeAuto

$8,123

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Buying car insurance in New Orleans, LA

Every driver in New Orleans state must have at least the minimum amount of car insurance required by law in Louisiana. Those state requirements are:

  • Bodily injury liability coverage per person: $15,000

  • Bodily injury liability coverage per accident: $30,000

  • Property damage liability coverage: $25,000

It's also important to know that Louisiana is an at-fault state when it comes to car insurance. That means that after an accident, the insurance company of the driver found at-fault in an accident will pay for the other party’s repair bills and medical expenses (that’s what your liability coverage is for).

It’s important to have high liability limits to make sure you’re fully protected in case you’re responsible for an expensive car accident.

How to get cheap car insurance in New Orleans, LA

Car insurance can be expensive, but there are some tried-and-true tips for making sure you’re getting the most affordable coverage possible:

  • Ask about discounts, like savings for safe drivers or certain professions

  • Bundle your auto and home or renters policies with the same company

  • Reduce coverage on older cars

  • Drive safely and avoid moving violations

  • Reshop your car insurance every year to make sure you’re still getting the best rates

Frequently asked questions

I'm about to turn 25, will my rates increase or decrease?

It's common for drivers to see car insurance rates decrease after they turn 25, but it's not a guarantee. A lot of that depends on a combination of other factors, like your driving history and when, exactly, you got your license.

What's considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. Poor credit is usually anywhere between 500 and 600. Credit scores that are lower than 500 are considered very poor.

Why are my rates more expensive than other cities in Louisiana?

The city you live in can make a big difference in car insurance rates. Each city has different numbers of traffic accidents and violations, as well as rates of car theft and vandalism and overall population.

Can my gender affect my car insurance rates?

In some states, gender can be used as one of many determining factors when calculating car insurance rates, but it usually makes a very small different in cost.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.