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

Car 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

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

See How Much You Can Save in New Orleans

Just enter your zip code to get started

Location pin icon
Your information is secure.

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.

Additional Resources:

New Orleans Car Insurance

Chevron left icon
How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...

Chevron right icon