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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Car insurance in New Orleans costs an average of $208 per month. That’s more expensive than Louisiana’s monthly average of $169. New Orleans’ above-average rates are largely due to the city’s high population density and increased accident risk. Louisiana ranks in the top 10 states for traffic deaths per mile traveled, according to the National Highway Traffic Safety Administration, and Orleans Parish accounts for nearly 10% of the traffic fatalities in the state.[1]
Despite these higher costs, many companies offer rates well below the citywide average. For example, State Farm, USAA, and National General provide some of the most affordable options, with State Farm offering the lowest average rates.
In this article, we’ll cover the cheapest insurers in New Orleans for various driver types, how to pick the right company, and tips on how to save on your car insurance.
State Farm offers the cheapest car insurance in New Orleans, at $84 per month on average.
New Orleans drivers pay an average of $160 monthly for liability coverage and $257 for full coverage.
Louisiana requires drivers to have liability coverage with minimum limits of 15/30/25, plus uninsured/underinsured motorist (UM/UIM) coverage.
Even with New Orleans’ higher-than-average insurance rates, you can still find affordable coverage if you know where to look. The table below shows the cheapest car insurance companies in New Orleans, according to our comprehensive data analysis.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $84 |
| USAA | $107 |
| National General | $119 |
| Direct Auto | $130 |
| Root | $133 |
| Allstate | $137 |
| GEICO | $138 |
| Progressive | $164 |
| Clearcover | $191 |
| The General | $215 |
| Liberty Mutual | $222 |
| Safeco | $285 |
State Farm offers the lowest average monthly rate, at $84.
But not everyone gets the same rates. Let’s look at how different driver profiles and coverage types can affect your insurance costs.
While the companies above offer great starting points for your search, your personal rates can vary significantly based on factors like your age, driving record, credit history, and more. That’s why you should compare rates from multiple companies that specialize in drivers with similar profiles to yours.
With that in mind, check out the below table with breakdowns of the cheapest insurer for all kinds of drivers and policies.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $84 |
| Full coverage | State Farm | $125 |
| Teens | State Farm | $167 |
| Seniors | State Farm | $63 |
| Drivers with a speeding ticket | State Farm | $110 |
| Drivers with an at-fault accident | State Farm | $116 |
| Drivers with a DWI | State Farm | $140 |
| Drivers with excellent credit | State Farm | $78 |
| Drivers with poor credit | State Farm | $115 |
Let’s break down the cheapest options for different driver types and coverage needs in the sections below.
Policies in New Orleans start as low as $84 per month.
New Orleans drivers pay an average of $160 per month for minimum-liability coverage, according to our research. But most insurance experts recommend purchasing more than the state-minimum coverage to better protect yourself financially in case of an accident.[2] The Insurance Information Institute suggests buying as much liability insurance as you can afford because medical and legal costs can quickly exceed minimum coverage limits.
But if you need only basic coverage that meets Louisiana’s minimum requirements, the chart below highlights the five cheapest companies, according to Compare.com data.
Most drivers should consider full-coverage car insurance for better protection. Full-coverage policies typically include liability insurance, plus comprehensive and collision coverage. Comprehensive insurance covers damage from non-collision incidents like theft, vandalism, or natural disasters, while collision insurance covers damage to your car from accidents, regardless of fault.
If you finance or lease your vehicle, your lender or leasing company usually requires you to purchase full coverage to protect its investment.[3]
New Orleans drivers pay a monthly average of $257 for full-coverage car insurance, according to Compare.com data. But several insurers offer full-coverage policies for prices closer to the city’s average liability rate, including the five in the chart below.
Teens pay some of the most expensive car insurance rates of any age group, primarily due to their lack of driving experience. Younger drivers have a higher likelihood of risky driving, which makes them more likely to get into accidents.[4]
Our data shows teens pay nearly double what drivers 20 or older pay for the same coverage. In New Orleans, teen drivers pay an average of $442 per month. But you can still find affordable coverage if you’re a teen driver or have one on your policy.
The chart below shows the five cheapest insurers for teens in New Orleans, according to Compare.com data.
Seniors typically enjoy some of the lowest insurance rates of any age group. That’s because older drivers generally have more experience behind the wheel, tend to drive fewer miles, and often have clean driving records built up over many years.[5]
Senior drivers in New Orleans pay an average of $163 monthly for auto insurance. But even with these already low rates, you can likely find even better deals from several companies.
The chart below shows the five cheapest insurers for seniors in New Orleans, according to Compare.com data.
Getting a ticket can cause your insurance rates to increase when your policy renews. Traffic violations indicate to insurers that you’re more likely to be involved in an accident in the future, making you a higher risk to insure.[6]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. New Orleans drivers with a recent ticket pay an average of $300 per month for auto insurance, but several insurers offer significantly lower rates.
The chart below shows the five cheapest insurers in New Orleans for people with a recent ticket, according to Compare.com data.
Causing an accident can make your insurance rates jump substantially because it tells insurers that you’re more likely to file claims in the future. And at-fault accidents typically remain on your record for three to five years.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide. Drivers in New Orleans with a recent accident pay an average monthly rate of $315 for car insurance.
But you might find a better deal with one of the five insurers highlighted in the chart below. These companies offer the cheapest coverage for New Orleans drivers with recent accidents on their records, according to Compare.com data.
A DWI conviction causes the sharpest increase in car insurance rates of any incident. Our research shows rates increase by an average of 59% nationwide after a DWI or similar conviction.
On top of that, getting a DWI can also make it difficult to find coverage at all — some standard insurers may refuse to cover you if you have a DWI conviction.[7] The good news is that some insurers specialize in high-risk drivers, including people with DWIs.
We found that New Orleans drivers with a DWI conviction pay an average of $356 per month, but you’re not necessarily stuck with sky-high rates. The chart below shows the five cheapest insurers in New Orleans for people with DWIs, according to Compare.com data.
Some insurance companies look at your credit history when setting your rates. They calculate a credit-based insurance score to determine your likelihood of filing claims or defaulting on your bill. Studies have shown a correlation between credit history and insurance claims.[8]
Our research shows drivers with poor credit pay 40% more for car insurance than people with excellent credit. In New Orleans specifically, drivers with poor credit pay a monthly average of $253 for car insurance. But not all companies use your credit history, and some offer extremely affordable rates regardless of your credit.
If you’re struggling to find affordable coverage because of your credit, check out the companies in the chart below.
Compare personalized quotes from New Orleans’ top insurers.
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Like nearly every state, Louisiana requires all drivers to have car insurance. The minimum coverage requirements you must meet to legally drive in Louisiana include:[9]
Bodily injury liability: $15,000 per person and $30,000 per accident
Property damage liability: $25,000 per accident
Uninsured/underinsured motorist coverage: $15,000 per person and $30,000 per accident
Most experts recommend buying more coverage than Louisiana’s required minimum limits. And you may want to check out optional coverages, too. For example, the Louisiana Department of Insurance recommends comparing your annual car insurance premium to your car’s “blue book” value — if your car is worth more, you should consider comprehensive and collision insurance.[10]
Even if you can afford to replace your car, state-minimum limits could leave you financially vulnerable. For example, if you cause an accident that totals someone’s $40,000 vehicle, your $25,000 in property damage coverage would leave you responsible for the remaining $15,000 — not to mention any medical costs that exceed your bodily injury limits.
We’ve answered some common questions about car insurance in New Orleans below.
New Orleans drivers pay an average of $160 per month for liability-only coverage and $257 for full coverage, according to Compare.com data.
It depends. Drivers in New Orleans pay an average of $208 per month for car insurance, compared to the national average of $150, according to Compare.com data. But your personal rates depend on several factors, including your address, driving history, age, and vehicle type.[11]
State Farm offers the cheapest car insurance in New Orleans, with an average monthly rate of $84, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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