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How much is car insurance in New Orleans?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $40 a month more expensive to insure your vehicle in New Orleans than it is in the rest of Louisiana.
The average cost of insuring your vehicle in New Orleans is above the national rate. The cost of insuring a vehicle in New Orleans is about $143 more expensive than the average rate for the rest of the U.S.
These rates may be the average amount drivers in New Orleans pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rates for New Orleans residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, your rates may creep back up in New Orleans.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While female drivers pay a little bit less than male drivers on their monthly insurance rates, the difference in New Orleans is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in New Orleans with one accident will pay around $277 a month. In addition, drivers with one ticket can expect to pay around $214 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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||$219|
|15 Years or Older||$219|
In terms of affordable coverage, the cheapest vehicles to insure in New Orleans are usually trucks and vans, at $198 per month.
Car owners will see a monthly bill of about $233, while SUV owners by and large pay around $215 a month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. In New Orleans, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$235|
On average, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in New Orleans reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $73 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$234|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $43 a month more than homeowners in New Orleans. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in New Orleans, LA
Recent trends in car insurance for New Orleans drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in New Orleans had been decreasing from 2017-2018, when they hit a low of $187. This pattern leveled out in 2021, when they began to rise, and have continued moving in that direction through the present, where car insurance rates finished at $381 per month.
How does New Orleans compare to neighboring areas?
Why are car insurance rates in New Orleans different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Regional crime rates
- Number of drivers in the area
- Off-street parking accessibility
- Area regulations
- Road Safety (total number of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge 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 New Orleans?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in New Orleans.
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New Orleans Insurance FAQs
What factors affect car insurance quotes in New Orleans?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in New Orleans different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in New Orleans?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to New Orleans?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to New Orleans or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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