Cheapest Car Insurance Quotes in New Orleans

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New Orleans Car Insurance

^$ 62

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in New Orleans

The car insurance rate in New Orleans is $2704 for a six-month policy, which is $1014 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $779, making it a popular choice for budget-conscious drivers. Rates in New Orleans can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in New Orleans

$2704

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in New Orleans

1st place: Louisiana Farm Bureau

At $779 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1768 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $2347 for six months, making it the third cheapest auto insurance company in New Orleans.

New Orleans Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Orleans, LA is Louisiana Farm Bureau, offering policies at just $779 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1768.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $3792 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Orleans drivers find the best deals.

Cheap Car Insurance Companies in New Orleans, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$779	$133
Southern Farm Bureau	$1768	$294
USAA	$2347	$395
Progressive	$2642	$445
Farm Bureau	$2757	$464
State Farm	$2909	$490
Safeway	$2974	$501
SafeAuto	$3022	$504
Encompass	$3090	$525
Allstate	$3678	$619
AAA	$3792	$645

Key Takeaways

Way's key takeaways about car insurance in New Orleans

The auto insurance costs in New Orleans fall around $779 for six months.
The cheapest auto insurance company in New Orleans is Louisiana Farm Bureau.
Teen drivers pay the highest rate in New Orleans at $1915 per month.

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Cheapest Minimum Liability Car Insurance in New Orleans

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in New Orleans are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in New Orleans. Their Average 6 Month Premium is $371. Safeway is the most expensive at $1160 for the same period.

Cheapest Liability Coverage in New Orleans, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$371	$62
Southern Farm Bureau	$618	$106
USAA	$779	$131
Progressive	$798	$134
State Farm	$837	$141
Farm Bureau	$960	$162
AAA	$989	$165
Allstate	$998	$168
SafeAuto	$1083	$181
Safeway	$1160	$195

Cheapest Full Coverage Car Insurance in New Orleans

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in New Orleans is Louisiana Farm Bureau at $133 per month and $779 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Orleans, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$779	$133
Southern Farm Bureau	$1768	$294
USAA	$2347	$395
Progressive	$2642	$445
Farm Bureau	$2757	$464
State Farm	$2909	$490
Safeway	$2974	$501
SafeAuto	$3022	$504
Encompass	$3090	$525
Allstate	$3678	$619
AAA	$3792	$645

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Average Car Insurance in New Orleans by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in New Orleans, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in New Orleans, Louisiana, may be increasing due to several external factors. Louisiana has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, New Orleans's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in New Orleans

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1597
30s	USAA	$1296
40s	USAA	$1194
50s	USAA	$1141
60s	USAA	$1218
70s	USAA	$1248

Cheapest Car Insurance Rates for Teen Drivers in New Orleans,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the New Orleans at $101 per month. At $11262 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$608	$101
State Farm	$4629	$779
USAA	$4942	$824
Safeway	$7555	$1285
Allstate	$8402	$1400
Progressive	$8725	$1469
Farm Bureau	$9885	$1648
AAA	$11262	$1915

Teen Car Insurance Rates in LA by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in New Orleans.

As young drivers face the highest rates in New Orleans, USAA offers the cheapest auto insurance rates at $1597 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in New Orleans, Louisiana Farm Bureau is the cheapest car insurance provider. At $666 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in New Orleans is State Farm, offering rates of around $14808 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$666	$114
Allstate	$2832	$472
Progressive	$3174	$534
USAA	$3222	$538
Safeway	$3232	$549
Farm Bureau	$6130	$1022
AAA	$10758	$1829
State Farm	$14808	$2467

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Car Insurance Rates with An Accident in New Orleans

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In New Orleans, LA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New Orleans

The cheapest car insurance companies after an at-fault accident in New Orleans include Louisiana Farm Bureau and State Farm, offering $485 and $1901, respectively. AAA is an expensive provider with an average six-month premium of $6074.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$485	$80
State Farm	$1901	$320
USAA	$2139	$360
Progressive	$2347	$395
Safeway	$2738	$461
Farm Bureau	$2965	$504
Allstate	$3013	$507
AAA	$6074	$1032

New Orleans Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Orleans LA. For example, the car insurance in New Orleans after a DUI increases to $2263 for a six month policy. While the rate increases by $656 for a six-month policy in the case of a speeding ticket.

New Orleans auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2622	$437
One Med/PIP claim	$2622	$446
Two Med/PIP claims	$2651	$442
Not-at-fault accident	$2661	$453
One comp claim	$2670	$445
Two comp claims	$2766	$470
Failure to wear a seat belt	$3090	$515
Failure to show documents	$3126	$531
Child safety restraint	$3174	$530
Driving without lights	$3174	$539
Driving with expired registration	$3232	$539
Driving too slowly	$3278	$557
Speeding 11 - 15 MPH over limit	$3278	$547
Speeding 16 - 20 MPH over limit	$3278	$557
Speeding 6 - 10 MPH over limit	$3278	$547
Speeding in school zone	$3278	$557
In 65 MPH zone	$3288	$549
Cell phone violation	$3317	$563
Texting while driving	$3317	$554
Wrong way/wrong lane	$3317	$563
At-fault accident - less than $1000	$3336	$555
Failure to stop at a red light	$3336	$568
Failure to yield	$3336	$555
Following too closely	$3336	$568
Illegal turn	$3336	$555
Improper passing	$3336	$568
Passing school bus	$3365	$560
Speeding 21 - 25 MPH over limit	$3365	$573
Open container	$3459	$576
Operating a vehicle without permission	$3698	$629
At-fault accident - $1000-$2000	$3792	$632
At-fault accident - greater than $2000	$3792	$645
Reckless driving	$4581	$763
Refusal to submit to a chemical test	$4658	$792
DUI	$4885	$814
Racing	$4923	$837
Leaving scene of an accident/hit and run	$4962	$827
Driving with a suspended license	$4981	$846

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in New Orleans after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in New Orleans.

The cheapest car insurance premiums in New Orleans are offered by Louisiana Farm Bureau at $533 for a six-month policy. However, it can be as expensive as $5618 with companies like AAA.

New Orleans car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$533	$88
Southern Farm Bureau	$2195	$373
Progressive	$2680	$451
Farm Bureau	$2965	$504
USAA	$3621	$610
Safeway	$3744	$630
State Farm	$4173	$702
Allstate	$4581	$771
AAA	$5618	$936

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in New Orleans are offered by Louisiana Farm Bureau at $437. However, it can be as expensive as $5275 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in New Orleans after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$437	$74
State Farm	$1958	$330
Progressive	$2366	$398
USAA	$2566	$437
Farm Bureau	$2965	$494
Safeway	$3298	$560
Allstate	$3688	$614
AAA	$5275	$898

Car Insurance Price Trends in New Orleans, Louisiana

Car insurance rates in New Orleans have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the New Orleans rose by $595 in January compared to $486 of December. In other words, there has been an increase by $109 when you compare January and December.

The average cost of liability insurance in the New Orleans rose to $142 in January, compared to $136 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in New Orleans by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the New Orleans. At $2758 for a six-month policy, insuring your car at 70116 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
70116	$2758	$463
70127	$2866	$481
70115	$2920	$490
70126	$2866	$481
70118	$2920	$490
70129	$2758	$463
70117	$2866	$481
70128	$2812	$472
70112	$2704	$454
70123	$2866	$481
70122	$2920	$490
70114	$2839	$477
70125	$2812	$472
70113	$2731	$458
70124	$2812	$472
70130	$2785	$468
70121	$2758	$463
70131	$2893	$486
70119	$2920	$490

Frequently Asked Questions

How much is car insurance in New Orleans?

The car insurance in New Orleans is $62 per month, which is lower than the national average.

What is the cheapest car insurance in New Orleans?

The cheapest car insurance in New Orleans is $133 per month for full coverage.

How much is car insurance in New Orleans for teenagers?

Car insurance for teenagers costs $608 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in New Orleans?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $454 per month to insure your car in New Orleans.

Is car insurance expensive in New Orleans?

Car insurance can be expensive in New Orleans if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in New Orleans can be affordable.

What is the best car insurance in New Orleans, LA?

The best car insurance company in New Orleans LA is Louisiana Farm Bureau, offering $779 for a six-month policy.