What's the Cost of Car Insurance in New Orleans?


If you are insuring a vehicle in New Orleans, saving money is critical because Louisiana premiums are recognized for being costly. They are generally 56% greater than the national average. We've analyzed how auto insurance rates in New Orleans compare to costs nationwide.


CAR INSURANCE PREMIUMS: NEW ORLEANS VS. STATE/US AVERAGES
City AverageState AverageNational Average
$3,433$2,225$1,427


New Orleans Auto Insurance by Accident or Violation History


Accidents and violations on your driving record can cost you in terms of car insurance rates. Drivers with a DUI in New Orleans have rates that exceed the city average of $3,433 by $1,717. Reckless driving will also push your premiums up, with average rates of $5,021. That is 46% higher than the city average. In New Orleans, individuals who are found at-fault in an accident end up paying 44% more than the city average on car insurance each year.


AVERAGE NEW ORLEANS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$5,150
Reckless Driving$5,021
At-fault Accident (damages less than $1,000)$4,936
At-fault Accident (damages greater than $2,000)$4,936
Speeding Ticket (16-20 mph over speed limit)$4,130


New Orleans Auto Insurance by Credit Level


For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are 52% less per year. In terms of percent change, the biggest benefit of better credit occurs when boosting from Very Good (740-799) to Exceptional (800-850), by which drivers can save approximately 18% per year.


NEW ORLEANS CAR INSURANCE RATES BY CREDIT LEVEL
CreditAverage Car Insurance Rate
Very Poor$6,229
Fair$5,133
Good$4,323
Very Good$3,626
Exceptional$2,976


New Orleans Car Insurance by Gender and Marital Status


Many driver characteristics, including marital status and gender, can have an effect on auto insurance premiums in New Orleans. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married can save you close to $150 per year compared to being single. Premiums are more expensive for women. Women usually pay $72 more than men every year for insurance.


NEW ORLEANS AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$3,505
Male$3,433
Single$3,433
Married$3,286
Divorced$3,433
Widowed$3,405


New Orleans Auto Insurance Costs by Driver Age

The largest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in New Orleans start paying 66% less in premiums. Car insurance premiums for drivers continue to shrink through their 50s, but they can anticipate a change when they turn 60. When you look across all age groups, drivers in their 50s tend to have the smallest insurance rates. Their rates usually average $3,053. With average rates of $13,490, teenage drivers are the ones who pay the most in car insurance premiums.


NEW ORLEANS CAR INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$13,490
20s$4,640
30s$3,398
40s$3,317
50s$3,053
60s$3,339
70s$3,432


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

Car Insurance Companies in New Orleans

Find Local New Orleans Agents

Bowen, Miclette & Britt, Inc.

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

Gillis Ellis & Baker Inc

1615 Poydras St #700 New Orleans, LA 70112

Standard Mortgage Insurance Agency, Inc.

701 Poydras St, New Orleans, LA 70139

Farrell Insurance Agency, LLC

812 Gravier Street, Suite 350 New Orleans, LA 70112

Hemmans Insurance Agency, LLC

4611 S. Carrollton Ave. New Orleans, LA 70119

International Sureties Ltd

701 Poydras St Ste 420 New Orleans, LA 70139

Hughes Walmsley & Co Inc

729 Girod St New Orleans, LA 70130

Michael Simon Agency

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

First Insurance Agency, Inc.

909 Poydras St New Orleans, LA 70112

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

R. Monsted Jr., LLC

1441 Eleonore Street New Orleans, LA 70115

Hancock Insurance Agency

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

Hartwig Moss Insurance Agency

2626 Canal Street New Orleans, LA 70119

Brown & Brown of Greater New Orleans

1555 Poydras, #1700 New Orleans, LA 70112

Lisa Breaux & Associates LLC. - Shield Insurance

7105 Jefferson Hwy Ste C New Orleans, LA 70123

J. Everett Eaves

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

Southern Insurance Agency, LLC

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

Noah W. Lewis & Associates

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

See All

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

icon_coffee

424

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

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Recent Questions:

New Orleans Car Insurance

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Jul 20, 2017

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New Orleans Car Insurance

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