Average car insurance cost in New Orleans
Full coverage car insurance in New Orleans costs an average of $6,674 per year, or $556 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $1,639 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $3,337 |
| Average annual premium | $6,674 |
| State minimum premium | $1,639 |
Cheapest car insurance companies in New Orleans
Southern Farm Bureau is the cheapest car insurance company in New Orleans, with an average full coverage rate of $3,146 per year. GEICO is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in New Orleans.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Southern Farm Bureau | $1,573 | $3,146 |
| GEICO | $2,504 | $5,008 |
| Progressive | $3,368 | $6,737 |
| Auto Club Enterprises (AAA) | $3,531 | $7,063 |
| State Farm | $3,760 | $7,520 |
| Farmers | $4,037 | $8,073 |
| Safeway Insurance | $4,095 | $8,190 |
| Louisiana Farm Bureau | $4,171 | $8,341 |
| Allstate | $6,214 | $12,428 |
| USAA | $1,877 | $3,755 |
Cheapest car insurance cost in New Orleans by age group
Car insurance prices in New Orleans differ by age because insurers consider how driving experience impacts expected accident risk. Southern Farm Bureau is the cheapest company for teens, Southern Farm Bureau for young adults, Southern Farm Bureau for adults, and Southern Farm Bureau for seniors, based on the rates in our analysis.
Take a look at the cheapest companies in New Orleans by age below:.
- Cheapest for teens: Southern Farm Bureau
- Cheapest for young adults: Southern Farm Bureau
- Cheapest for adults: Southern Farm Bureau
- Cheapest for seniors: Southern Farm Bureau
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Southern Farm Bureau offers the cheapest car insurance for teens at $7,258 per year.
For young adults, Southern Farm Bureau offers the lowest average rate at $4,787 annually. Young adults pay less than teenagers as they gain experience, but their premiums remain higher than rates for older adult drivers.
Southern Farm Bureau is the least expensive insurer for adult drivers in New Orleans, with an average annual premium of $3,290. Adults benefit from greater driving experience and a lower likelihood of filing an accident claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing..
Senior drivers can find the cheapest average car insurance from Southern Farm Bureau at $3,545 per year. Premiums may increase for some older drivers when insurers account for changes in reaction time, vision and accident risk.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| Southern Farm Bureau | $7,258 | $4,787 | $3,290 | $3,545 |
| GEICO | $20,057 | $7,561 | $4,907 | $4,715 |
| Progressive | $30,450 | $10,305 | $6,437 | $5,246 |
| Auto Club Enterprises (AAA) | $23,801 | $12,347 | $7,149 | $7,726 |
| State Farm | $18,849 | $11,306 | $7,525 | $7,429 |
| Louisiana Farm Bureau | $22,525 | $14,764 | $7,855 | $7,623 |
| Safeway Insurance | $18,813 | $11,583 | $7,927 | $6,713 |
| Farmers | $32,168 | $14,810 | $8,033 | $7,037 |
| Allstate | $33,347 | $22,929 | $12,325 | $12,068 |
| USAA | $12,556 | $5,889 | $3,808 | $3,889 |
Cheapest car insurance companies in New Orleans by driver profile
The cheapest car insurance company in New Orleans depends on the driver's record and credit profile. Southern Farm Bureau is cheapest after an at-fault accident, Southern Farm Bureau after a DUI, and Southern Farm Bureau after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in New Orleans by driver profile.
- Cheapest for poor credit: Southern Farm Bureau
- Cheapest for an at-fault accident: Southern Farm Bureau
- Cheapest for a DUI: Southern Farm Bureau
- Cheapest for a driver with a speeding ticket: Southern Farm Bureau
Cheapest for a driver with poor credit: Southern Farm Bureau
Drivers with poor credit in New Orleans can find the lowest average car insurance rate from Southern Farm Bureau at $5,685 per year.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in New Orleans.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Southern Farm Bureau | $2,843 | $5,685 |
| GEICO | $3,822 | $7,645 |
| Progressive | $5,904 | $11,809 |
| Farmers | $8,840 | $17,680 |
| Auto Club Enterprises (AAA) | $9,780 | $19,560 |
| State Farm | $17,611 | $35,222 |
| USAA | $3,280 | $6,560 |
Cheapest auto insurance after an at-fault accident: Southern Farm Bureau
After an at-fault accident, Southern Farm Bureau has the cheapest average car insurance in New Orleans at $3,971 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in New Orleans.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Southern Farm Bureau | $1,986 | $3,971 |
| State Farm | $4,238 | $8,475 |
| Auto Club Enterprises (AAA) | $4,979 | $9,959 |
| GEICO | $5,047 | $10,095 |
| Safeway Insurance | $5,085 | $10,171 |
| Progressive | $5,509 | $11,019 |
| Farmers | $6,636 | $13,272 |
| USAA | $2,838 | $5,677 |
Cheapest auto insurance after a DUI: Southern Farm Bureau
Southern Farm Bureau offers the cheapest average car insurance after a first-offense DUI/DWI in New Orleans, with a rate of $4,075 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in New Orleans.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Southern Farm Bureau | $2,037 | $4,075 |
| Progressive | $3,726 | $7,452 |
| State Farm | $3,983 | $7,966 |
| Auto Club Enterprises (AAA) | $4,669 | $9,339 |
| GEICO | $5,348 | $10,695 |
| Safeway Insurance | $5,453 | $10,906 |
| Farmers | $9,692 | $19,383 |
| USAA | $3,016 | $6,033 |
Cheapest for drivers with a speeding ticket: Southern Farm Bureau
Southern Farm Bureau offers the cheapest car insurance at $3,529 in New Orleans for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Southern Farm Bureau | $1,764 | $3,529 |
| State Farm | $3,983 | $7,966 |
| Safeway Insurance | $4,168 | $8,335 |
| Progressive | $4,333 | $8,667 |
| Auto Club Enterprises (AAA) | $4,517 | $9,034 |
| GEICO | $4,728 | $9,457 |
| Farmers | $6,793 | $13,586 |
| USAA | $2,413 | $4,825 |
Car insurance discounts for New Orleans drivers
The biggest car insurance discount available in New Orleans is for the Years Insured category at 59%, offered by Auto Club Enterprises (AAA).
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to New Orleans drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $3,347 | $3,115 | 7% | $232 |
| Anti-Theft Device | GEICO | $3,347 | $3,304 | 1% | $43 |
| Anti-Theft Device | Farmers | $4,627 | $4,591 | 1% | $36 |
| Anti-Theft Device | State Farm | $4,761 | $4,674 | 2% | $87 |
| Anti-Theft Device | Auto Club Enterprises (AAA) | $4,853 | $4,733 | 2% | $120 |
| Comp and Coll Deductibles | Southern Farm Bureau | $2,223 | $2,128 | 4% | $95 |
| Comp and Coll Deductibles | GEICO | $3,347 | $2,980 | 11% | $367 |
| Comp and Coll Deductibles | Progressive | $4,218 | $3,947 | 6% | $271 |
| Comp and Coll Deductibles | State Farm | $4,761 | $4,523 | 5% | $239 |
| Comp and Coll Deductibles | Auto Club Enterprises (AAA) | $4,853 | $4,549 | 6% | $305 |
| Daily Commute | Farmers | $4,627 | $4,528 | 2% | $99 |
| Daily Commute | Louisiana Farm Bureau | $5,169 | $4,945 | 4% | $224 |
| Days Advanced Purchase | Auto Club Enterprises (AAA) | $4,853 | $4,756 | 2% | $97 |
| Education | Progressive | $4,218 | $4,118 | 2% | $100 |
| Electronic Funds Transfer | Southern Farm Bureau | $2,223 | $2,212 | 1% | $12 |
| Electronic Funds Transfer | Farmers | $4,627 | $4,488 | 3% | $138 |
| Homeowner | Progressive | $4,218 | $4,134 | 2% | $84 |
| Homeowner | Farmers | $4,627 | $4,389 | 5% | $238 |
| Homeowner | Auto Club Enterprises (AAA) | $4,853 | $4,612 | 5% | $241 |
| Lower Annual Mileage | GEICO | $3,347 | $3,213 | 4% | $134 |
| Lower Annual Mileage | Progressive | $4,218 | $3,951 | 6% | $267 |
| Lower Annual Mileage | State Farm | $4,761 | $4,339 | 9% | $423 |
| Lower Annual Mileage | Auto Club Enterprises (AAA) | $4,853 | $4,613 | 5% | $240 |
| Loyalty - Years Renewal With Company | Southern Farm Bureau | $2,223 | $2,154 | 3% | $69 |
| Loyalty - Years Renewal With Company | Safeway Insurance | $4,679 | $3,943 | 16% | $737 |
| Loyalty - Years Renewal With Company | Progressive | $4,218 | $4,167 | 1% | $51 |
| Loyalty - Years Renewal With Company | State Farm | $4,761 | $4,384 | 8% | $377 |
| Loyalty - Years Renewal With Company | Farmers | $4,627 | $4,518 | 2% | $109 |
| Loyalty - Years Renewal With Company | Auto Club Enterprises (AAA) | $4,853 | $4,531 | 7% | $322 |
| Marital Status | Southern Farm Bureau | $2,223 | $2,013 | 9% | $211 |
| Marital Status | GEICO | $3,347 | $3,309 | 1% | $38 |
| Marital Status | Progressive | $4,218 | $3,556 | 16% | $662 |
| Marital Status | Farmers | $4,627 | $3,931 | 15% | $695 |
| Marital Status | Safeway Insurance | $4,679 | $4,048 | 13% | $631 |
| Multi Policy | Southern Farm Bureau | $2,223 | $2,070 | 7% | $153 |
| Multi Policy | GEICO | $3,347 | $3,204 | 4% | $143 |
| Multi Policy | Progressive | $4,218 | $3,984 | 6% | $234 |
| Multi Policy | Louisiana Farm Bureau | $5,169 | $4,292 | 17% | $878 |
| Multi Policy | State Farm | $4,761 | $4,297 | 10% | $465 |
| Multi Policy | Farmers | $4,627 | $4,331 | 6% | $296 |
| Multi Policy | Safeway Insurance | $4,679 | $4,434 | 5% | $246 |
| Multi Policy | Auto Club Enterprises (AAA) | $4,853 | $4,531 | 7% | $322 |
| Paperless/Electornic Documents | Southern Farm Bureau | $2,223 | $2,200 | 1% | $23 |
| Payment Type | Safeway Insurance | $4,679 | $4,471 | 4% | $208 |
| Primary Use | Southern Farm Bureau | $2,223 | $1,922 | 14% | $301 |
| Primary Use | Progressive | $4,218 | $4,100 | 3% | $118 |
| Primary Use | State Farm | $4,761 | $4,280 | 10% | $481 |
| Primary Use | Farmers | $4,627 | $4,544 | 2% | $82 |
| Primary Use | Auto Club Enterprises (AAA) | $4,853 | $4,546 | 6% | $307 |
| Primary Use | Louisiana Farm Bureau | $5,169 | $4,720 | 9% | $449 |
| Profession | GEICO | $3,347 | $3,182 | 5% | $165 |
| Profession | Progressive | $4,218 | $3,534 | 16% | $684 |
| Safety Devices | GEICO | $3,347 | $3,308 | 1% | $39 |
| Safety Devices | Farmers | $4,627 | $4,565 | 1% | $62 |
| Telematics | Progressive | $4,218 | $3,585 | 15% | $633 |
| Telematics | State Farm | $4,761 | $4,434 | 7% | $328 |
| Years Insured | Southern Farm Bureau | $2,223 | $1,759 | 21% | $465 |
| Years Insured | Auto Club Enterprises (AAA) | $4,853 | $1,990 | 59% | $2,863 |
| Years Insured | GEICO | $3,347 | $3,087 | 8% | $260 |
| Years Insured | Progressive | $4,218 | $3,458 | 18% | $760 |
| Years Insured | Safeway Insurance | $4,679 | $4,041 | 14% | $638 |
| Years Insured | Farmers | $4,627 | $4,170 | 10% | $456 |
| Anti-Theft Device | USAA | $2,696 | $2,637 | 2% | $59 |
| Electronic Funds Transfer | USAA | $2,696 | $2,616 | 3% | $81 |
| Lower Annual Mileage | USAA | $2,696 | $2,560 | 5% | $137 |
| Marital Status | USAA | $2,696 | $2,454 | 9% | $243 |
| Multi Policy | USAA | $2,696 | $2,616 | 3% | $81 |
| Primary Use | USAA | $2,696 | $2,237 | 17% | $459 |
| Safety Devices | USAA | $2,696 | $2,674 | 1% | $23 |
| Years Insured | USAA | $2,696 | $2,469 | 8% | $227 |
How to get cheap car insurance in New Orleans in 2025
To get cheap car insurance in New Orleans in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in New Orleans by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in New Orleans.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in New Orleans
How much does car insurance cost in New Orleans?
Car insurance costs an average of $6,674 per year or about $556 per month for full coverage in New Orleans. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in LA?
No, you don't legally need full coverage in LA, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in New Orleans?
You can reduce your car insurance costs in New Orleans by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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