How Much Are Car Insurance Rates in New Orleans?


In New Orleans, it is especially vital to save while insuring a vehicle because Louisiana premiums are recognized for being pricey. They generally surpass the national average by $676. Let's compare car insurance costs in New Orleans versus premiums across the nation.


CAR INSURANCE PREMIUMS: NEW ORLEANS VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$3,686$2,245$1,569


New Orleans Car Insurance by Gender and Marital Status


Several driver characteristics, including marital status and gender, play a role in auto insurance premiums in New Orleans. Being married can save you around $150 per year compared to being single. Rates for those who are widowed are slightly cheaper than rates for those who are single. Premiums are cheaper for men. Men usually pay $69 less than women each year for insurance.


NEW ORLEANS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$3,755
Male$3,686
Single$3,686
Married$3,538
Divorced$3,686
Widowed$3,629


New Orleans Auto Insurance Premiums by Age

Drivers in their 70s save money on car insurance premiums, as they have the lowest rates among all age groups, paying only $3,149 each year. Those in their 50s ($3,304) also have relatively low premiums. In New Orleans, drivers see the largest decline in premiums when they reach their 20s, as they save an average of $10,843 from moving out of the teenage age range. In New Orleans, turning 60 means a rise in rates. Up until then, transitioning between age groups means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $13,991.


NEW ORLEANS AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$13,991
20s$4,957
30s$3,651
40s$3,579
50s$3,304
60s$3,592
70s$3,149


New Orleans Car Insurance by Credit Rating


Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) typically pay 2.3x more on premiums than those in the top credit tier (800-850). Drivers will see the biggest drop in premiums when they raise their credit from Very Poor (300-579) to Fair (580-669). That change can save them $2,706 per year.


NEW ORLEANS AUTO INSURANCE COSTS BY CREDIT TIER
CreditAverage Car Insurance Rate
Very Poor$7,151
Fair$4,445
Good$3,686
Very Good$3,300
Exceptional$3,093


New Orleans Car Insurance for Drivers With At-Fault Accidents or Violations


Maintaining a clean driving record is key to keep your rates low. In New Orleans, drivers with a DUI need to spend 45% more than the city average to insure their vehicle. Reckless driving will also drive your premiums up, with average rates of $5,462. The amount of damage caused by an accident plays a part in the degree to which insurance rates will rise. When comparing premiums for drivers with at-fault accidents in New Orleans, those with damages exceeding $2,000 pay 6% more than those with damages less than $1,000.


AVERAGE NEW ORLEANS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI$5,331
Reckless Driving$5,462
At-fault Accident (damages less than $1,000)$4,984
At-fault Accident (damages greater than $2,000)$5,270
Speeding Ticket (16-20 mph over speed limit)$4,418


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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
Popular Day Trips
Bayou St. John Honey Island Swamp Grand Isle

Find Local New Orleans Agents

Hemmans Insurance Agency, LLC

4611 S. Carrollton Ave. New Orleans, LA 70119

Hancock Insurance Agency

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

International Sureties Ltd

701 Poydras St Ste 420 New Orleans, LA 70139

Gillis Ellis & Baker Inc

1615 Poydras St #700 New Orleans, LA 70112

Farrell Insurance Agency, LLC

812 Gravier Street, Suite 350 New Orleans, LA 70112

Michael Simon Agency

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

Hartwig Moss Insurance Agency

2626 Canal Street New Orleans, LA 70119

Noah W. Lewis & Associates

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

First Insurance Agency, Inc.

909 Poydras St New Orleans, LA 70112

Standard Mortgage Insurance Agency, Inc.

701 Poydras St, New Orleans, LA 70139

Lisa Breaux & Associates LLC. - Shield Insurance

7105 Jefferson Hwy Ste C New Orleans, LA 70123

Southern Insurance Agency, LLC

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

Brown & Brown of Greater New Orleans

1555 Poydras, #1700 New Orleans, LA 70112

J. Everett Eaves

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

R. Monsted Jr., LLC

1441 Eleonore Street New Orleans, LA 70115

Bowen, Miclette & Britt, Inc.

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

Hughes Walmsley & Co Inc

729 Girod St New Orleans, LA 70130

Latter & Blum Insurance Services

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

Aon Risk Services Southwest, Inc.

639 Loyola Ave #2560 New Orleans, LA 70113

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

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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.