In the Crescent City, the average full coverage car insurance cost is $287 per month. Prices range from $312 to $1,144 depending on various factors. To help drivers understand what they might pay, the table below lists average car insurance costs for different driver profiles.
New Orleans, LA Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in New Orleans: Key Takeaways
In New Orleans, the cheapest car insurance companies include Louisiana Farm Bureau, State Farm and Progressive. These companies offer competitive rates that are worth considering for affordable coverage.
Louisiana Farm Bureau offers the lowest car insurance rates in Louisiana, with minimum coverage costing $63 per month and full coverage at $127 per month.
The average cost of car insurance in the state is $104 per month for minimum coverage and $287 per month for full coverage, varying based on driver profile.
Car Insurance Quotes in New Orleans, LA
| Young Drivers | $126 | $346 |
| Teens | No Data | $1,144 |
| Seniors | $120 | $310 |
| Drivers With a Speeding Ticket | $134 | $361 |
| Drivers With a DUI | $162 | $429 |
| Drivers With An Accident | $159 | $425 |
| Bad Credit | $197 | $533 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
New Orleans vs. State Average
Louisiana
State Average Full Coverage Rate
$2,479
New Orleans, LA
City Average Full Coverage Rate
$3,450More:$971 more
This is 39% more expensive.
What Is the Average Car Insurance Rate in New Orleans?
Car insurance in New Orleans costs $3,450 a year for full coverage and $1,251 for state minimum coverage. These rates are higher than Louisiana's averages of $2,479 for full coverage and $921 for state minimum.
| State Average | $919 | $2,466 |
| New Orleans Average | $1,248 | $3,426 |
Cheapest Car Insurance Companies in New Orleans
Even with rising premiums in Louisiana, you can still find affordable car insurance in New Orleans. Louisiana Farm Bureau offers the cheapest minimum coverage at $63 per month. For full coverage, they also provide the best rate at $127 per month.
WHY CAR INSURANCE IN NEW ORLEANS IS EXPENSIVE
Car insurance is expensive in New Orleans due to a mix of state and city-specific factors. New Orleans ranks high among Louisiana cities for costly car insurance. Statewide issues like many uninsured drivers, frequent personal injury lawsuits, and insurance fraud also drive up prices.
Cheap Car Insurance in New Orleans
Louisiana Farm Bureau often offers affordable car insurance, but rates differ for each driver. The best way to find the cheapest car insurance is to compare quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| Louisiana Farm Bureau | Minimum Coverage | $63 |
| Louisiana Farm Bureau | Full Coverage | $127 |
| State Farm | Teens | $595 |
| Louisiana Farm Bureau | Young Adults | $149 |
| Louisiana Farm Bureau | Seniors | $119 |
| Louisiana Farm Bureau | Bad Credit | $171 |
| Louisiana Farm Bureau | Drivers With a DUI | $133 |
| Louisiana Farm Bureau | Drivers With An Accident | $124 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $110 |
Car Insurance Rates in New Orleans by Company
Different car insurance companies in New Orleans offer varying premium rates. To find the cheapest option, compare multiple quotes. Below, we detail the most affordable state minimum and full coverage car insurance plans.
Cheapest Car Insurance Companies for Minimum Coverage in New Orleans
Louisiana Farm Bureau offers the cheapest minimum coverage auto insurance at $63 monthly. GEICO follows with a rate of $87. Check the table below for a detailed breakdown of affordable options.
| Louisiana Farm Bureau | $63 | $41 |
| Progressive | $82 | $22 |
| GEICO | $87 | $18 |
| State Farm | $103 | $2 |
Cheapest Car Insurance Companies for Full Coverage in New Orleans
Louisiana Farm Bureau offers the cheapest full coverage car insurance in New Orleans at $127 per month. Below is a list of other providers and their rates.
| Louisiana Farm Bureau | $127 | $160 |
| GEICO | $243 | $45 |
| State Farm | $267 | $20 |
| Progressive | $274 | $14 |
Car Insurance Companies in New Orleans
To find affordable car insurance in New Orleans, get quotes from several companies. Louisiana Farm Bureau offers the cheapest annual premium at $1,141, while State Farm is the top-rated provider with a MoneyGeek score of 78. Check the table below for more options to consider in your search.
| State Farm | 79 | $2,138 |
| Progressive | 68 | $2,136 |
| GEICO | 62 | $1,976 |
| AAA | 57 | $2,684 |
| Allstate | 44 | $3,948 |
| Louisiana Farm Bureau | No Data | $1,141 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in New Orleans by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $3,426 per year for 40-year-olds and $3,722 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $8,868 | $-3,393 |
| 17 | $8,921 | $-3,446 |
| 18 | $7,965 | $-2,491 |
| 19 | $7,404 | $-1,930 |
| 20 | $7,566 | $-2,092 |
| 21 | $6,128 | $-654 |
| 22 | $5,883 | $-409 |
| 23 | $6,167 | $-693 |
| 24 | $5,864 | $-390 |
| 25 | $4,155 | $-1,440 |
| 40 | $3,426 | $-712 |
| 65 | $3,722 | $-1,007 |
Cheapest Car Insurance for Teens in New Orleans
State Farm offers the cheapest overall car insurance for teens in New Orleans at $486 per month, saving $205 compared to the state average. The table below also breaks down some of the most affordable providers for this age group.
| State Farm | $486 | $205 | $595 |
| GEICO | $627 | $63 | $1,120 |
| Progressive | $704 | $-13 | $1,751 |
| Allstate | $946 | $-255 | $1,109 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in New Orleans
GEICO offers the best minimum coverage for young drivers in New Orleans at $89 per month. For full coverage, Louisiana Farm Bureau is the most affordable at $196 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $89 |
| Louisiana Farm Bureau | Full Coverage | $196 |
| Louisiana Farm Bureau | Bad Credit | $247 |
| Louisiana Farm Bureau | Drivers With a DUI | $211 |
| Louisiana Farm Bureau | Drivers With An Accident | $195 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $174 |
Cheapest Car Insurance Companies for Young Drivers in New Orleans
Louisiana Farm Bureau offers the most affordable auto insurance at $149 per month for young drivers. Affordable auto insurance is crucial for young drivers seeking budget-friendly options. The table below shows other companies with competitive rates.
| Louisiana Farm Bureau | $149 | $89 |
| GEICO | $167 | $70 |
| Progressive | $232 | $6 |
| State Farm | $232 | $5 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in New Orleans
Louisiana Farm Bureau offers the cheapest car insurance rates for minimum coverage and drivers with speeding tickets. However, rates can vary based on many factors. The table below shows affordable options for various driver profiles and coverage needs.
| Louisiana Farm Bureau | Minimum Coverage | $82 |
| Louisiana Farm Bureau | Full Coverage | $157 |
| Louisiana Farm Bureau | Bad Credit | $216 |
| Louisiana Farm Bureau | Drivers With a DUI | $169 |
| Louisiana Farm Bureau | Drivers With An Accident | $156 |
| Louisiana Farm Bureau | Drivers With a Speeding Ticket | $140 |
Cheapest Car Insurance Companies for Seniors in New Orleans
Louisiana Farm Bureau offers the cheapest monthly premium for seniors in New Orleans at $119 when considering minimum and full coverage. GEICO follows with a rate of $177 per month. The table below shows more top car insurance providers for seniors in the area.
| Louisiana Farm Bureau | $119 | $97 |
| GEICO | $177 | $39 |
| State Farm | $193 | $23 |
| Progressive | $207 | $9 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in New Orleans
Drivers in New Orleans with high-risk profiles often pay less for minimum coverage but more for full coverage compared to the state average. Those with poor credit and DUIs face the highest car insurance costs. In contrast, accidents and speeding tickets have a smaller impact on rates. Understanding these factors can help residents manage their insurance expenses effectively.
| State Average | $1,336 | $3,519 |
| New Orleans Average | $1,824 | $4,888 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in New Orleans, can affect your insurance for a few years. For more serious offenses, such as a DUI, insurers take note for a longer period. These offenses often mean you'll need to file an SR-22 or an FR-44, ensuring you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in New Orleans
Louisiana Farm Bureau offers the cheapest minimum coverage for drivers with a DUI at $1,073 per year. For full coverage, State Farm leads with a rate of $3,672 annually. Check out the table below for more low-cost coverage options.
| Louisiana Farm Bureau | $89 | $177 |
| State Farm | $120 | $306 |
| Progressive | $127 | $417 |
| AAA | $196 | $479 |
| GEICO | $217 | $584 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in New Orleans
Louisiana Farm Bureau, State Farm, and GEICO are the three cheapest car insurance providers for those with an at-fault accident record in New Orleans. Discover more about the cheapest auto insurance after an at-fault accident. The table below shows different providers in New Orleans offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Louisiana Farm Bureau | $82 | $165 |
| State Farm | $132 | $331 |
| GEICO | $153 | $428 |
| Progressive | $156 | $502 |
| AAA | $216 | $524 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in New Orleans
Louisiana Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering state minimum coverage at $74 and full coverage at $147 monthly in New Orleans. Explore the table below to see how other providers charge drivers with a speeding ticket on their record.
| Louisiana Farm Bureau | $74 | $147 |
| State Farm | $120 | $306 |
| GEICO | $117 | $333 |
| Progressive | $107 | $361 |
| AAA | $190 | $466 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in New Orleans
The most affordable rates for drivers with bad credit in New Orleans are offered by Louisiana Farm Bureau, with $113 monthly for state minimum coverage and $228 for full coverage. See the table below to find other affordable options.
| Louisiana Farm Bureau | $113 | $228 |
| GEICO | $129 | $370 |
| Progressive | $148 | $523 |
| Allstate | $211 | $628 |
| State Farm | $264 | $634 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in New Orleans, LA
In Louisiana, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
These minimum coverages mean if you're at fault in an accident, your insurance covers up to $15,000 for injuries per person. However, any costs beyond these limits would be your responsibility.
Cheap Car Insurance in New Orleans: Bottom Line
Louisiana Farm Bureau stands out with the lowest car insurance rates in New Orleans, at $63 for minimum coverage and $127 for full coverage. No matter your age or credit history, you'll find affordable options tailored to your needs.
Your policy must include Louisiana's mandatory coverage: bodily injury, property damage, and uninsured motorist protection. By comparing providers, you can secure budget-friendly rates that fully comply with Louisiana's insurance laws.
New Orleans Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in New Orleans.
What is the cheapest car insurance company in New Orleans, Louisiana?
Louisiana Farm Bureau offers the most affordable car insurance in New Orleans, with rates starting at just $63 for state minimum coverage.
What is the best car insurance company in New Orleans, Louisiana?
The best car insurance provider in New Orleans, Louisiana, is Louisiana Farm Bureau, with an annual premium of $1,141 for state minimum coverage.
How much does car insurance cost on average in New Orleans?
The average car insurance cost in New Orleans ranges from $104 for city average to $198 for drivers with bad credit per month for minimum coverage.
Best Cheap Car Insurance in New Orleans: Our Methodology
MoneyGeek conducted an analysis of New Orleans auto insurance prices using data from the Louisiana Department of Insurance and Quadrant Information Services.
New Orleans Driver Profile
To assess the best and most affordable auto insurance options for New Orleans residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in New Orleans
In assessing the car insurance quotes for New Orleans, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Louisiana's mandated liability insurance parameters:
The minimum coverage requirements in Louisiana are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Louisiana providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in New Orleans
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in New Orleans.
For further details on how these analyses were conducted, you can view MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.