New Orleans Car Insurance

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

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

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

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

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

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