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Key Takeaways

  • The typical annual cost of auto insurance in New Orleans, Louisiana, is $3,747.
  • Southern Farm Bureau offers the most inexpensive premiums.
  • Southern Farm Bureau provides the lowest premiums.
  • When New Orleans drivers move from the "Very Poor" tier (300-579) to the "Exceptional" tier, their auto insurance prices are reduced by 57 percent (800-850).
  • You may be able to save money on both plans if you get your auto insurance and renters' insurance from the same company.

Car Insurance for New Orleans

It might be pricey to get auto insurance in New Orleans, Louisiana. Unfortunately, car insurance in the city is among the costliest in the nation, but you can find deals if you know where to go.

When it comes to lowering your vehicle insurance costs, every little thing helps. Way.com enables you to see your top rates in just a few minutes and assists you in saving money by offering special discounts for every type of driver.

How Much Does Car Insurance Cost in New Orleans?

In New Orleans, Louisiana, the average annual cost of auto insurance is $3,747. Auto insurance is more expensive than the $2,391 Louisiana state average and the $1,557 national average. Our New Orleans auto insurance guide provides average rates based on age, marital status, credit score, and driving record. Learn more by reading on!

New Orleans (annual average) Louisiana (annual average) United States
$3747 $2391 $1557

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New Orleans Auto Insurance Premiums by Company

Comparing prices from various insurance providers and selecting the one that best suits your coverage requirements is one of the best methods to save money on auto insurance. Southern Farm Bureau offers the most affordable premiums. The best insurance deals for New Orleans insurance consumers are as below. Also, get insurance rates based on your particular driving history, don't forget.

Company Average Annual Premium
Southern Farm Bureau $2984
State Farm $3259
Progressive $4087
All State $4586

New Orleans Auto Insurance Premiums by Marital Status

The cost of a driver's auto insurance may occasionally depend on their marital status and gender—married drivers pay less for auto insurance than single drivers. For example, married people in New Orleans pay $141 less for car insurance than single people. Widowed people also pay far less in rates than single people do. It's interesting to note that widowed drivers in New Orleans make less pay than single drivers.

Marital status Average Annual Premium
Single $3306
Married $3606
Divorced $3747
Widowed $3722

New Orleans Auto Insurance Premiums by Gender

Gender is another factor in auto insurance pricing; for example, In New Orleans, male drivers must pay $298 more annually than female drivers.

Gender Average Annual Premium
Male $3945
Female $3647

New Orleans Auto Insurance Premiums by Driving Record

The best way to avoid collisions and tickets where you live is to keep the number of tickets and insurance rates low. Unfortunately, at-fault incidents, DUIs and DWIs, reckless driving tickets, and speeding tickets frequently result in higher rates. For example, compared to the city average, reckless driving convictions in New Orleans resulted in a $1,459 annual cost increase for vehicle insurance. While speeding citations increases by $684, a DWI or DUI conviction increases insurance premiums annually.

Violation/ accident history Average Annual Premium
DUI $5367
Reckless driving $5206
At fault accident (damages <$1000) $5386
At fault accident (damages >$1000) $5422
Speeding ticket (16-20 mph over speed limit) $4432

New Orleans Auto Insurance Premiums by Credit Rating

The cost of auto insurance for a driver is one of the major determinants of their credit worthiness. For example, New Orleans drivers experience a 57 percent reduction in auto insurance costs when they raise their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850).

You may be eligible for a reduction in the cost of your auto insurance if you move from the "Very Poor" credit category to the "Fair" credit tier. For example, moving into the "Fair" credit rating in New Orleans results in an average annual insurance savings of $2,587.

Credit Tier Average Annual Premium
Very poor $7259
Fair $4672
Good $3747
Very Good $3427
Exceptional $3106

New Orleans Auto Insurance Premiums by Zip code

Your rate may differ not just from state to state or city to city but even from block to block due to state laws and risk assessments affiliated with zip codes. Finding the right coverage becomes quite difficult when so many factors are involved.

Zip code Average Annual Premium
70118 $1794
70119 $1434
70127 $2262
70130 $2418
70131 $2892

How to Get Cheap Auto Insurance in New Orleans, Louisiana

Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although all insurance companies provide them, they are not all the same, and businesses frequently refrain from directly promoting them.

Therefore, it is up to you to look for the greatest deals. Ask your insurance provider by phone about the following discounts:

Good driver discounts

Drivers in New Orleans are fortunate because state law requires 20% insurance discounts for those with one or fewer points on their licenses and who have been continually driving for three years without causing any injuries or fatalities.

Telematics discounts

You must demonstrate a lengthy history of safe driving for a state-mandated good driver discount. Still, many businesses provide simple-to-win discounts to drivers who use telematics to monitor their driving behaviors. So, for enrolling, you might be eligible for a telematics discount!

Are you enrolled full-time in high school or college? Have you earned a B or higher? Then, your insurance provider will likely give you a discount.

Bundling discounts

If you combine your renters insurance and auto insurance with the same provider, you may be able to save money on both plans.

These are simply a few of Louisiana's most well-liked vehicle insurance reductions; the list is by no means complete.

Auto Insurance in New Orleans: Minimum auto insurance requirements in Louisiana

It's essential to comprehend the rules in New Orleans, Louisiana, before purchasing auto insurance. In Louisiana, all drivers need to have at least:

  • Bodily injury liability of $15,000 per person
  • Bodily injury liability of $30,000 per accident
  • Property damage liability per accident is $25,000

Auto theft statistics in New Orleans

Year Auto Thefts (per 1000s)
2006 5228
2007 3190
2008 3208
2009 2614
2010 2410
2011 2540
2012 2215
2013 2413
2014 2615
2015 2517
2016 2247
2017 2531
2018 2944
2019 2951

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Be prepared for driving in New Orleans

Examine your headlights

Before starting your car at night, always check the headlights. One of the simplest ways to drive safely is to do this.

Use seatbelts

Make sure you make everyone in your car strap up as well. Set a boundary with any friends or relatives who are less strict about wearing seatbelts by having a conversation with them about the value of seatbelt safety.

Drive carefully and slowly

You will have more time to respond if you slow down, whether it be to a car pulling out in front of you, a car stopping abruptly in front of you, or a pedestrian crossing the road against the rules.

Keep a safe distance and follow

The following distance rule states that you should leave three seconds between your car and the one in front of you. However, you might need more. For example, give them extra space if you are driving at night, the weather or road conditions are poor, or if the other drivers aren't paying close attention to the road.

Keep an eye out for motorcycles and give them plenty of space when they return to the road in the spring when the weather is nice. But, of course, you'll want them to travel safely as well.

Expect the unexpected

If the weather or the road conditions changed, a storm appeared out of nowhere, or if another driver changed lanes or stopped short, you might find that your driving confidence drops and your blood pressure increases all at once.

It's a good idea to keep those days in mind and not take other people's actions or road conditions for granted, whether you have been driving for a year or decades. You will be more secure as a result.

How to Get Cheap Auto Insurance in New Orleans, Louisiana

Frequently shop and compare prices

Yes, buying auto insurance doesn't have to be a one-and-done process. Instead, industry professionals advise comparing quotations from at least three businesses and looking for new prices every six months!

Look for discounts

Therefore, it is up to you to look for the greatest deals. Ask your insurance provider by phone about the following discounts:

Good driver discount

Drivers in New Orleans are fortunate because state law requires 20% insurance discounts for those with one or fewer points on their license and who have been continually driving for three years without causing any injuries or fatalities.

Telematics discounts

You must provide a lengthy history of safe driving for a state-mandated good driver discount. Still, many businesses provide simple-to-win discounts to drivers who use telematics to monitor their driving habits. For registering, you might be eligible for a discount!

Good student discount

Are you enrolled full-time in high school or college? Have you earned a B or higher? Then, your insurance provider will likely give you a discount.

Shop around

Comparing prices is always smart, even if you currently have auto insurance. Rate increases by insurance companies are common; if yours do, compare prices.

Modify your insurance coverage

You can choose how much extra insurance you want to get if you maintain the state's minimum insurance requirements. You can save money by adjusting your levels.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What are the DUI laws in New Orleans?

If you're feeling tipsy, you should probably ride a bus or a streetcar. In this community, being guilty of a DUI can be extremely uncomfortable. In addition, a DUI can initially cost anywhere from $300 to $5,000, depending on how frequently you've committed this error.

Then there is the jail term, probation, and community service. In addition to this hardship, you risk having your car stolen and your driving privileges lost.

What drives up the insurance rates in New Orleans?

Your auto insurance costs are driven by where you live in New Orleans. Therefore, where you live is one of the primary factors in the vehicle insurance premiums you'll pay, along with your driving record and credit score.

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