Metairie, LA Car Insurance

On average, Metairie drivers pay around $189 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Compared to their surrounding area, how do rates in Metairie stack up? What about against the rest of Louisiana? What can Metairie residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Metairie?

Area Average Monthly Car Insurance Premium
Metairie$189
LA$169
United States$80

Car insurance policies across the rest of Louisiana are about $20 a month cheaper than the rates drivers pay in Metairie.

Likewise, Metairie residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in Metairie is about $109 more expensive than it is for the rest of the U.S.

While these are the average car insurance rates for Metairie, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've done the heavy lifting for you and broken down the average rate for Metairie so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$319
25-34$169
35-44$147
45-54Not Enough Data
55-64$139
65+$175

It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates climb back up a bit in Metairie.

Average Car Insurance Rates by Gender

Gender Average
Male$193
Female$182

In general, car insurance rates for women are usually cheaper than they are for men. In Metairie, this difference shakes out to about $11 per month. Based on the chart above, you can see that male drivers pay $193 on average, while female drivers typically pay $182 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$192
Multiple Accidents$265
1 TicketNot Enough Data
Multiple Tickets$170

Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. The rate for drivers in Metairie with a single accident on their record is about $192 a month.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$203
2-3 Years$168
4-5 Years$168
6-7 Years$190
8-10 Years$208
11-14 Years$202
15 Years or Older$160

According to the first table above, the cheapest vehicles to insure in Metairie are typically SUVs, at $169 per month.

SUV owners, on the other hand, by and large pay around $169 a month, while truck and van drivers can expect to pay about $208 per month for auto insurance.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Metairie, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$207
Married$143
Divorced$121

More often than not, married policyholders will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Metairie as well, where the difference is around $64 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$187
Rent$188
Live with parents$281

Your housing status is another factor that affects your monthly rate. Renters can expect to pay around $1 a month more than those who own their own home in Metairie. But if you live with your parents, you can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Metairie, LA

Recent trends in car insurance for Metairie drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Metairie, car insurance rates went up consistently from 2016 through the present, where they hit $206 a month in 2021.

How does Metairie compare to neighboring areas?

Why are car insurance rates in Metairie different from other areas?

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Road Safety (frequency of local car accidents)
  • Local crime rates
  • Total amount of drivers in the community
  • Community laws
  • Off-street parking availability

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Metairie?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Metairie.

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Metairie Insurance FAQs

What factors affect car insurance quotes in Metairie?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Metairie different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Metairie?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Metairie?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Metairie or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes