Compare New Orleans, LA Car Insurance Rates (2021)

Car insurance in New Orleans, LA averages $721 a month. New Orleans, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap New Orleans car insurance rates, compare quotes from the top car insurance companies in New Orleans, LA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in New Orleans, LA are $8,649/year
  • The cheapest car insurance company in New Orleans is USAA
  • Average car insurance rates in New Orleans, LA after a DUI are $9,927/year

If you need to buy New Orleans, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in New Orleans, LA is right here.

You’ll find New Orleans car insurance rates, the cheapest New Orleans, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare New Orleans, Louisiana car insurance rates to Lafayette car insurance rates, Alexandria car insurance rates, and Monroe car insurance rates.

Ready to find affordable New Orleans, LA car insurance today? Enter your ZIP code for fast, free New Orleans car insurance quotes.

Cheapest New Orleans, LA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect New Orleans, LA car insurance rates? Every New Orleans, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in New Orleans, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $7,050 $7,050 $7,231 $7,231 $14,377 $17,894 $7,702 $8,297
GEICO $5,363 $6,153 $6,448 $7,887 $19,475 $20,430 $5,115 $4,929
Progressive $6,449 $6,057 $5,388 $5,810 $24,305 $27,060 $7,337 $7,398
State Farm $4,475 $4,475 $4,101 $4,101 $12,540 $15,732 $4,989 $5,567
USAA $3,642 $3,583 $3,561 $3,530 $10,995 $12,870 $4,474 $4,902

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Minimum Car Insurance in New Orleans, LA

Every driver must carry the minimum car insurance in New Orleans, LA. Take a look at the Louisiana car insurance requirements.

Minimum Required Car Insurance Coverage in New Orleans, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest New Orleans, LA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in New Orleans, LA. Compare credit history car insurance rates in New Orleans from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in New Orleans, Louisiana

Insurance Company Poor Fair Good
Allstate $12,464 $8,670 $7,678
GEICO $11,282 $9,783 $7,360
Progressive $12,759 $10,853 $10,064
State Farm $9,707 $6,244 $5,041
USAA $8,213 $5,244 $4,376

Cheapest New Orleans, LA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in New Orleans, LA to rates for a clean record with top companies.

Annual New Orleans, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,740 $11,413 $10,278 $8,984
GEICO $6,458 $10,370 $12,748 $8,323
Progressive $9,373 $12,463 $12,090 $10,975
State Farm $6,426 $7,568 $6,997 $6,997
USAA $4,529 $6,314 $7,519 $5,416

Cheapest New Orleans, LA Car Insurance for Teen Drivers

Teen car insurance in New Orleans, LA can be expensive. Take a look at rates from the top car insurance companies in New Orleans for teenagers.

Annual Car Insurance Rates for Teen Drivers in New Orleans, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,377 $17,894
GEICO $19,475 $20,430
Progressive $24,305 $27,060
State Farm $12,540 $15,732
USAA $10,995 $12,870

Cheapest New Orleans, LA Car Insurance for Seniors

Take a look at New Orleans, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in New Orleans, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $7,231 $7,231
GEICO $6,448 $7,887
Progressive $5,388 $5,810
State Farm $4,101 $4,101
USAA $3,561 $3,530

Cheapest New Orleans, LA Car Insurance Rates After a DUI

A DUI in New Orleans, LA increases car insurance rates. Compare New Orleans, Louisiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in New Orleans, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,278
GEICO $12,748
Progressive $12,090
State Farm $6,997
USAA $7,519

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Cheapest New Orleans, LA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in New Orleans, LA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in New Orleans, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $9,604 $9,604
GEICO $9,279 $9,671
Progressive $11,225 $11,225
State Farm $6,809 $7,186
USAA $5,756 $6,133

Cheapest New Orleans, LA Car Insurance Rates by ZIP Code

New Orleans car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in New Orleans, LA.

Annual Car Insurance Rates by ZIP Code in New Orleans, Louisiana

ZIP Code Average Annual Rates
70112 $7,967
70113 $8,475
70114 $7,657
70115 $7,234
70116 $8,400
70117 $8,666
70118 $7,260
70119 $8,271
70122 $8,354
70124 $6,762
70125 $7,894
70126 $8,524
70127 $8,622
70128 $8,587
70129 $8,512
70130 $7,973
70131 $7,413
70139 $8,105
70145 $8,433
70146 $8,433
70148 $8,298
70163 $7,980
70170 $7,954

The Best Cheap Car Insurance Companies in New Orleans, LA

Take a look at a side-by-side comparison of the top car insurance companies in New Orleans, LA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in New Orleans, Louisiana

Insurance Company Average Annual Rates
Allstate $9,604
GEICO $9,475
Progressive $11,225
State Farm $6,997
USAA $5,945

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Category Winners: Cheapest Car Insurance in New Orleans, Louisiana

Find the cheapest car insurance companies in New Orleans, LA for each category right here.

Best Annual Car Insurance Rates by Company in New Orleans, Louisiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest New Orleans, LA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your New Orleans car insurance rates. Find the cheapest New Orleans, LA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in New Orleans, Louisiana

Insurance Company Low Medium High
Allstate $8,055 $9,796 $10,961
GEICO $7,649 $9,507 $11,269
Progressive $9,149 $11,120 $13,408
State Farm $6,040 $6,981 $7,972
USAA $5,088 $6,045 $6,702

What affects car insurance rates in New Orleans, Louisiana?

What factors can have an impact on New Orleans, LA car insurance? There are several reasons why New Orleans car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in New Orleans, Louisiana.

Car Theft in New Orleans

High levels of vehicle theft can make car insurance more expensive. New Orleans, LA car theft statistics from the FBI indicate 2,994 vehicle thefts a year.

Commute Time in New Orleans

The more time you spend in your car the higher the risk of an accident. The average commute length in New Orleans, LA is 24.2 minutes according to City-Data.

Traffic in New Orleans

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. New Orleans, LA traffic data from INRIX ranks New Orleans as the 52nd-most congested in the world.

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Compare Car Insurance Quotes in New Orleans, LA

Ready to find affordable New Orleans, Louisiana car insurance today? Enter your ZIP code for fast, free New Orleans, LA car insurance quotes.

Free Car Insurance Comparison

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