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.
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
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.
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.
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.
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.
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.
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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.
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
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.
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.
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.
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.
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.