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 Average | State Average | National 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/Gender | Average 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
| Age | Average 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
| Credit | Average 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/Incident | Average 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
Major Highways
I-10 U.S. 90 U.S. 61Popular Day Trips
Bayou St. John Honey Island Swamp Grand IsleCar Insurance Companies in New Orleans
Find Local New Orleans Agents
Lisa Breaux & Associates LLC. - Shield Insurance
7105 Jefferson Hwy Ste C New Orleans, LA 70123
Brown & Brown of Greater New Orleans
1555 Poydras, #1700 New Orleans, LA 70112
Standard Mortgage Insurance Agency, Inc.
701 Poydras St, New Orleans, LA 70139
Noah W. Lewis & Associates
4640 S Carrollton Ave Ste 200 A-1 New Orleans, LA 70119
Southern Insurance Agency, LLC
725 Magazine St., Suite E New Orleans, LA 70130
R. Monsted Jr., LLC
1441 Eleonore Street New Orleans, LA 70115
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
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
Hancock Insurance Agency
225 St. Charles Ave. Ste. 537 New Orleans, LA 70130
Bowen, Miclette & Britt, Inc.
1100 Poydras St., Ste. 1250 New Orleans, LA 70163
First Insurance Agency, Inc.
909 Poydras St New Orleans, LA 70112
J. Everett Eaves
650 Poydras St., Ste 1500 New Orleans, LA 70130
Hartwig Moss Insurance Agency
2626 Canal Street New Orleans, LA 70119
Hughes Walmsley & Co Inc
729 Girod St New Orleans, LA 70130
International Sureties Ltd
701 Poydras St Ste 420 New Orleans, LA 70139
Aon Risk Services Southwest, Inc.
639 Loyola Ave #2560 New Orleans, LA 70113
Hemmans Insurance Agency, LLC
4611 S. Carrollton Ave. New Orleans, LA 70119
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$2,652
The average New Orleanian's annual cost of coverage
40%
Our customer's average savings after comparing insurance
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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?
How should I handle a situation where I hit another car but the owner doesn't want to file a claim until next week?
Additional Resources:
New Orleans Car Insurance
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