Car Insurance in New Orleans
New Orleans premiums are 54% higher than the state average, which is why the city is known for its pricey premiums, so in New Orleans, it is imperative to cut costs while insuring a vehicle. Who doesn't like to save money? Check out some tips about how to save on car insurance in New Orleans.
- City Average: $3,433
- State Average: $2,225
- National Average: $1,427
New Orleans Car Insurance by Credit Rating
Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of 109% more each year on premiums than those in the top credit tier (800-850). Moving from Very Poor (300-579) to Fair (580-669) has the greatest favorable impact on premiums, as it saves drivers an average of $650 per year.
- Very Poor: $6,229
- Fair: $5,133
- Good: $4,323
- Very Good: $3,626
- Exceptional: $2,976
New Orleans Car Insurance by Accident or Violation History
Do you know the impact an accident or violation can have on your prices on car insurance? A DUI will increase your car insurance premiums more than other driving violations. Typically, a DUI in New Orleans will cost you 50% more in car insurance premiums versus the city average ($3,433). Reckless driving will push your premiums up as well, with typical rates of $5,021. That is 46% higher than the city average. Accidents happen, even to safe drivers, so be prepared and learn the effect one can have on your rates. In New Orleans, those who are found at-fault in an accident spend 44% more than the city average on car insurance each year.
- DUI: $5,150
- Reckless Driving: $5,021
- At-fault Accident (damages less than $1000): $4,936
- At-fault Accident (damages greater than $2000): $4,936
- Speeding Ticket (16-20 mph over speed limit): $4,130
New Orleans Car Insurance by Age
When drivers reach their 20s in New Orleans, therefore moving out of the teenage age range, they can save $8,850 annually. It is the largest gap between any age group. Insurance rates continue to trend downward up until drivers hit 60. Among all age groups, drivers in their 50s have the smallest car insurance payments, with rates of $3,053 per year. Teenage drivers have the largest premiums amongst all the age groups. They pay around $13,490 on car insurance premiums.
- Teenagers: $13,490
- 20s: $4,640
- 30s: $3,398
- 40s: $3,317
- 50s: $3,053
- 60s: $3,339
- 70s: $3,432
New Orleans Car Insurance by Gender and Marital Status
There are quite a few factors, including gender and marital status, that can have an effect on car insurance premiums in New Orleans. Being married, as opposed to single, can save you close to $150 per year on car insurance. Rates for those who are widowed are slightly cheaper than rates for those who are single. Premiums for women are usually 2% more pricey than for men.
- Female: $3,505
- Male: $3,433
- Single: $3,433
- Married: $3,286
- Divorced: $3,433
- Widowed: $3,405
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local New Orleans Agents
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
Farrell Insurance Agency, LLC
812 Gravier Street, Suite 350 New Orleans, LA 70112
Hancock Insurance Agency
225 St. Charles Ave. Ste. 537 New Orleans, LA 70130
Standard Mortgage Insurance Agency, Inc.
701 Poydras St, New Orleans, LA 70139
Hartwig Moss Insurance Agency
2626 Canal Street New Orleans, LA 70119
Michael Simon Agency
201 St. Charles Ave., Suite 2500 New Orleans, LA 70170
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
Hughes Walmsley & Co Inc
729 Girod St New Orleans, LA 70130
Gillis Ellis & Baker Inc
1615 Poydras St #700 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
Bowen, Miclette & Britt, Inc.
1100 Poydras St., Ste. 1250 New Orleans, LA 70163
Hemmans Insurance Agency, LLC
4611 S. Carrollton Ave. New Orleans, LA 70119
International Sureties Ltd
701 Poydras St Ste 420 New Orleans, LA 70139
R. Monsted Jr., LLC
1441 Eleonore Street New Orleans, LA 70115
First Insurance Agency, Inc.
909 Poydras St New Orleans, LA 70112
Noah W. Lewis & Associates
4640 S Carrollton Ave Ste 200 A-1 New Orleans, LA 70119
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