What is the average cost of car insurance in New Orleans?


The average car insurance rate in New Orleans, Louisiana, is $3,735 per year. That's pricier than the statewide average in Louisiana ($2,379) and more expensive than the national average of $1,548. Our guide to New Orleans auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


NEW ORLEANS AUTO INSURANCE RATES
New Orleans Average (annual)Louisiana AverageNational Average
$3,735$2,379$1,548

Jump to New Orleans auto insurance rates by:

Or compare car insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.


New Orleans car insurance premiums by company


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In New Orleans, Southern Farm Bureau offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in New Orleans. Don't forget to get car insurance quotes based on your unique driving profile.


NEW ORLEANS CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Southern Farm Bureau$2,882
State Farm$3,247
GEICO$3,562
Progressive$4,075
Allstate$4,574

Read our guide to finding the best cheap auto insurance.



New Orleans car insurance premiums by age

The age group that enjoys the lowest auto insurance rates in New Orleans are drivers in their 50s, who pay an average of $3,290per year. Those in their 60s don't pay significantly more ($3,615).

The New Orleans drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in New Orleans is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in New Orleans is $12,150, the largest such difference between any two age brackets.


NEW ORLEANS CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$17,069
20s$4,919
30s$3,704
40s$3,626
50s$3,290
60s$3,615
70s$3,710

Learn more about the impact of age on car insurance premiums.



New Orleans auto insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In New Orleans, married motorists pay $141 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in New Orleans, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In New Orleans, female drivers pay $198 per year more than do male drivers.


NEW ORLEANS CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$3,933
Male$3,735
Single$3,594
Married$3,594
Divorced$3,735
Widowed$3,710

Learn more about the impact gender and marital status have on insurance rates.



New Orleans auto insurance costs by accident and citation history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

New Orleans drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,459 per year versus the city average. A ticket for speeding results in a $684 rate hike while a DWI or DUI violation costs $1,620per year in extra insurance expenditures.


AVERAGE NEW ORLEANS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$5,355
Reckless Driving$5,194
At-fault Accident (damages less than $1,000)$5,374
At-fault Accident (damages greater than $2,000)$5,410
Speeding Ticket (16-20 mph over speed limit)$4,420

Learn more about citations' impact on your auto insurance rates.



New Orleans car insurance premiums by credit level


A driver's credit level can be closely correlated with their auto insurance rates. In fact, New Orleans drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In New Orleans, moving into the "Fair" credit tier corresponds to an average of $2,587 in savings on insurance each year.


NEW ORLEANS AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$7,247
Fair$4,660
Good$3,735
Very Good$3,415
Exceptional$3,094

Get additional information on how credit impacts car insurance costs.



What drives up car insurance rates in New Orleans?

Where you live in New Orleans affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately New Orleans is no exception to the rule. From ZIP code 70124 to 70117, premiums rise by 21 percent—that’s $494.

Expensive New Orleans ZIP codes: 70146, 70119, 70116, 70145, 70117

Cheap New Orleans ZIP codes: 70124, 70115, 70114, 70118, 70131

New Orleans Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In New Orleans, you can expect 115 rainy days with an annual rainfall of 62.7 inches. New Orleans is also known to experience thunderstorms and occasional hurricanes.

115

Rainy Days a Year

63"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in NOLA

2
Major Highways
I-10 U.S. 90 U.S. 61
2
Public Transit

RTA Bus

RTA Streetcar NOLA Ferry
2
Popular Day Trips
Bayou St. John Honey Island Swamp Grand Isle
2
Parking

City of New Orleans Parking

Parking Panda in New Orleans

Find Local New Orleans Agents

Noah W. Lewis & Associates

4640 S Carrollton Ave Ste 200 A-1, New Orleans, LA 70119

International Sureties Ltd

701 Poydras St Ste 420, New Orleans, LA 70139

First Insurance Agency, Inc.

909 Poydras St Ste. 2260, New Orleans, LA 70112

Latter & Blum Insurance Services

2626 Canal Street, 3rd Floor, New Orleans, LA 70119

Brown & Brown of Greater New Orleans

1555 Poydras, #1700, New Orleans, LA 70112

Hughes Walmsley & Co Inc

729 Girod St, New Orleans, LA 70130

Hancock Insurance Agency

225 St. Charles Ave. Ste. 537, New Orleans, LA 70130

Gillis Ellis & Baker Inc

1615 Poydras St #700, New Orleans, LA 70112

Aon Risk Services Southwest, Inc.

639 Loyola Ave #2560, New Orleans, LA 70113

Bowen, Miclette & Britt, Inc.

1100 Poydras St., Ste. 1250, New Orleans, LA 70163

Standard Mortgage Insurance Agency, Inc.

701 Poydras St, Suite 400 Plaza, New Orleans, LA 70139

Michael Simon Agency

201 St. Charles Ave., Suite 2500, New Orleans, LA 70170

J. Everett Eaves

650 Poydras St., Ste 1500, New Orleans, LA 70130

Hartwig Moss Insurance Agency

2626 Canal Street 3rd Floor, New Orleans, LA 70119

Farrell Insurance Agency, LLC

812 Gravier Street, Suite 350, New Orleans, LA 70112

Southern Insurance Agency, LLC

725 Magazine St., Suite E, New Orleans, LA 70130

Lisa Breaux & Associates LLC. - Shield Insurance

7105 Jefferson Hwy Ste C, New Orleans, LA 70123

Hemmans Insurance Agency, LLC

4611 S. Carrollton Ave., New Orleans, LA 70119

R. Monsted Jr., LLC

1441 Eleonore Street, New Orleans, LA 70115

Not sure about New Orleans

Check out these other Louisiana cities:

Baton Rouge

2

$2,652

The average New Orleanian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

424

That's equal to 424 cups of coffee or $1,061 in savings

See How Much You Can Save in New Orleans

Just enter your ZIP code to get started

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Recent Questions:

New Orleans Car Insurance

My insurance company held me 10% responsible for not taking "evasive action." Will the 10% charge likely cause a higher rate elsewhere?

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable.

How should I handle a situation where I hit another car but the owner doesn't want to file a claim until next week?

While it is normally up to the party who was hit to initiate the claims process with your insurance company, you can always be proactive and contact your insurance provider to let them know what happened. You can provide pictures and the details of the incident to the claims department, but no repairs can begin until the other party decides to start the process.