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 Average||National Average|
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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 Company||Average Annual Rate|
|Southern Farm Bureau||$2,882|
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 group||Average Annual Rate|
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/Gender||Average Yearly Rate|
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
|Incident||Average Annual Rate|
|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|
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 Tier||Average Annual Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local New Orleans Agents
Hancock Insurance Agency
225 St. Charles Ave. Ste. 537, New Orleans, LA 70130
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
International Sureties Ltd
701 Poydras St Ste 420, New Orleans, LA 70139
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
First Insurance Agency, Inc.
909 Poydras St Ste. 2260, New Orleans, LA 70112
J. Everett Eaves
650 Poydras St., Ste 1500, New Orleans, LA 70130
Hughes Walmsley & Co Inc
729 Girod St, New Orleans, LA 70130
Bowen, Miclette & Britt, Inc.
1100 Poydras St., Ste. 1250, New Orleans, LA 70163
Noah W. Lewis & Associates
4640 S Carrollton Ave Ste 200 A-1, New Orleans, LA 70119
Hemmans Insurance Agency, LLC
4611 S. Carrollton Ave., New Orleans, LA 70119
Michael Simon Agency
201 St. Charles Ave., Suite 2500, New Orleans, LA 70170
Aon Risk Services Southwest, Inc.
639 Loyola Ave #2560, New Orleans, LA 70113
R. Monsted Jr., LLC
1441 Eleonore Street, New Orleans, LA 70115
Hartwig Moss Insurance Agency
2626 Canal Street 3rd Floor, New Orleans, LA 70119
Standard Mortgage Insurance Agency, Inc.
701 Poydras St, Suite 400 Plaza, New Orleans, LA 70139
Lisa Breaux & Associates LLC. - Shield Insurance
7105 Jefferson Hwy Ste C, New Orleans, LA 70123
Gillis Ellis & Baker Inc
1615 Poydras St #700, New Orleans, LA 70112
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