Buy Cheap New Orleans, LA Auto Insurance in 2024
New Orleans, LA auto insurance rates average $721 a month. Minimum auto insurance requirements in New Orleans, Louisiana are 15/30/25 to comply with Louisiana laws. To buy cheap auto insurance in New Orleans, LA, compare New Orleans auto insurance quotes from top companies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in New Orleans, LA after a DUI are $9,927/year
- Average auto insurance rates in New Orleans, LA are $721/month
- The most expensive auto insurance company in New Orleans after a DUI is Geico
Finding affordable New Orleans, Louisiana auto insurance can be challenging, but everything you need to know to buy cheap New Orleans, LA auto insurance with confidence is right here. Auto insurance rates in New Orleans are affected by local factors as well as personal ones like your driving record.
See how New Orleans, LA car insurance rates compare to Monroe auto insurance rates, New Orleans auto insurance rates, and Baton Rouge auto insurance rates before you read more about the cost of auto insurance in New Orleans.
Don’t buy New Orleans, LA auto insurance until you’ve compared rates. Get free New Orleans, Louisiana auto insurance quotes when you enter your ZIP code above.
New Orleans, LA Minimum Auto Insurance Requirements
The required auto insurance in New Orleans, LA is 15/30/25 according to the auto insurance laws in Louisiana. The minimum auto insurance in New Orleans, Louisiana is outlined here.
| 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 |
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Find Cheap New Orleans, LA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in New Orleans, LA. Take a look at New Orleans, Louisiana auto insurance rates by credit history.
| 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 |
Buy Cheap New Orleans, LA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect New Orleans, Louisiana auto insurance rates? Find out how car insurance rates in New Orleans, LA are impacted by demographics.
| 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 |
Buy Cheap New Orleans, LA Auto Insurance for Teen Drivers
Auto insurance for teenagers in New Orleans can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in New Orleans, LA are listed here.
| 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 |
Buy Cheap New Orleans, LA Auto Insurance for Seniors
You can save on senior auto insurance rates in New Orleans, Louisiana by comparing New Orleans senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in New Orleans, LA here.
| 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 |
Find Cheap Auto Insurance Rates in New Orleans, LA by Coverage Level
The amount of coverage you choose is a big factor in the cost of New Orleans, Louisiana auto insurance. Compare New Orleans, LA auto insurance rates by coverage level.
| 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 |
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Find Cheap New Orleans, LA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in New Orleans. Compare auto insurance rates in New Orleans, LA by commute length to see how your daily commute impacts your rates.
| 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 |
Find Cheap New Orleans, LA Auto Insurance Rates by ZIP Code
Auto insurance rates in New Orleans, Louisiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in New Orleans, LA to see how much where you live in New Orleans affects the cost of car insurance.
| 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 |
Find Cheap New Orleans, LA Auto Insurance Rates by Driving Record
Auto insurance rates in New Orleans, Louisiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in New Orleans, LA, take a look at the average cost for various violations versus rates for a clean driving record in New Orleans.
| 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 |
Find Cheap New Orleans, LA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in New Orleans, Louisiana is higher than for a clean driving record. You can buy auto insurance after a DUI in New Orleans for less when you shop around and compare rates from multiple New Orleans, LA auto insurance companies.
| Insurance Company | Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in New Orleans, LA
Compare rates from the cheapest auto insurance companies in New Orleans, LA for your needs. Take a look at how New Orleans, Louisiana auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap New Orleans, Louisiana Auto Insurance Companies
If you’re looking for the cheapest New Orleans, LA auto insurance companies overall, you can compare them here. Find the best price for New Orleans, Louisiana car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $9,604 |
| Geico | $9,475 |
| Progressive | $11,225 |
| State Farm | $6,997 |
| USAA | $5,945 |
What affects New Orleans, Louisiana auto insurance rates?
Local factors affect auto insurance rates in New Orleans, LA, including traffic, theft statistics, and commute length. Take a look at the things that impact New Orleans auto insurance rates.
Auto Theft in New Orleans
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for New Orleans, LA auto theft show a total of 2,994 vehicle thefts annually.
Commute Times in New Orleans
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in New Orleans, LA is 24.2 minutes according to City-Data.
Traffic in New Orleans
How is traffic in New Orleans, Louisiana? Inrix data shows that New Orleans, LA traffic makes it the 52nd-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in New Orleans, LA
You can buy cheap New Orleans, LA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free New Orleans, Louisiana auto insurance quotes from top companies.
Frequently Asked Questions
Why is it important to have auto insurance in Navasota, TX?
Having auto insurance in Navasota, TX is important for several reasons. Firstly, it is a legal requirement to have at least the minimum required coverage in Texas. Driving without insurance can result in fines, license suspension, and even legal consequences. Secondly, auto insurance provides financial protection in the event of an accident, helping to cover the costs of repairs, medical expenses, and liability claims. It offers peace of mind knowing that you are financially protected against unforeseen circumstances on the road.
What factors can affect the cost of auto insurance in Navasota, TX?
The cost of auto insurance in Navasota, TX can vary depending on several factors. These may include:
- Driving record: A clean driving record with no accidents or traffic violations can help lower insurance premiums, as it indicates a lower risk for the insurer.
- Vehicle type: The make, model, and year of your vehicle can impact insurance costs. Generally, more expensive or high-performance vehicles may have higher insurance premiums.
- Coverage limits: The level of coverage you choose, such as liability limits and comprehensive/collision coverage, can affect the cost of your insurance.
- Deductible: A higher deductible can lower your insurance premium, but it also means you’ll have to pay more out of pocket in the event of a claim.
- Age and gender: Younger drivers, particularly teenagers, often face higher insurance rates due to their limited driving experience. Additionally, statistically, males tend to have higher rates than females.
- Location: Where you live in Navasota, TX can impact insurance costs. Factors such as crime rates, population density, and accident frequency in your area can influence premiums.
How can I find cheap auto insurance in Navasota, TX?
To find cheap auto insurance in Navasota, TX, you can follow these tips:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options. Different insurers may offer varying rates based on their underwriting criteria.
- Maintain a good driving record: Avoid accidents and traffic violations, as a clean driving record can help you qualify for lower insurance premiums.
- Opt for higher deductibles: Choosing a higher deductible can lower your insurance premium, but make sure you can afford the deductible amount if you need to file a claim.
- Consider bundling policies: Some insurance companies offer discounts if you bundle your auto insurance with other policies like home insurance or renters insurance.
- Inquire about discounts: Ask insurance providers about available discounts such as safe driver discounts, good student discounts, or discounts for installing safety features in your vehicle.
- Evaluate coverage needs: Review your coverage needs and consider if you can adjust your coverage limits or remove any unnecessary add-ons to reduce costs.
Are there any specific auto insurance requirements in Navasota, TX?
In Navasota, TX, like the rest of Texas, drivers are required to have auto insurance that meets the state’s minimum liability coverage limits. As of my knowledge cutoff in September 2021, the minimum liability coverage in Texas is 30/60/25. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage per accident.
Can I get auto insurance if I have a poor driving record?
Yes, it is generally possible to get auto insurance even if you have a poor driving record. However, having a poor driving record may result in higher insurance premiums due to the increased risk you present to insurance companies. Some insurance providers may specialize in offering coverage to drivers with less-than-perfect records or offer specific programs for drivers who need to improve their record.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.