Cheapest Auto Insurance in Metairie, Louisiana (2025)
State Farm offers the cheapest rates in Metairie, starting at $80 per month.
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Located along the Gulf of Mexico, Metairie, Louisiana, residents know all about severe weather events like hurricanes, floods, and tropical storms. The threat of these weather events affects the rates Metairie residents pay for car insurance.
The overall average cost of car insurance in Metairie is $181 per month. Drivers in Metairie pay more for car insurance than the Louisiana overall average rate, which is $150 per month.
Quick Facts
The average price for liability-only coverage in Metairie is $142, and the average rate for full coverage is $219.
Teen drivers in Metairie pay some of the highest rates for car insurance.
USAA is the best insurance company for military families living in Metairie.
Top car insurance companies in Metairie
Many top-rated car insurance companies offer coverage to drivers in Metairie. But the best and cheapest car insurance company in Metairie is different for every driver. Before you choose an auto insurance company, it’s a good idea to compare several car insurance companies to find the best one for your situation, coverage needs, and budget.
Here, you can see three insurers that might appeal to you, depending on your situation. You’ll also find their statewide average rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
Best insurer for military families: USAA
Best insurer for discounts: Direct Auto
How to get the cheapest car insurance in Metairie
Car insurance rates are different for every driver and depend on factors like your ZIP code, age, driving record, vehicle type, and more. Some of these things are out of your control. But you have many ways to get cheap car insurance in Metairie.
Here are some tips for getting the most affordable car insurance for your situation:
Compare quotes. It’s a good idea to compare rate quotes from several insurance insurers to find the cheapest policy for your coverage needs and circumstances.
Look for discounts. Many car insurance companies offer discounts that can reduce your monthly auto insurance premium.
Select high deductibles. Choosing a high deductible for policies like comprehensive insurance will lower your monthly premium. However, make sure you can afford to pay a higher deductible in the event of a claim.
Bundle your policies. You can often save money by bundling multiple insurance products from the same company, like car insurance with home insurance or renters insurance.
Find Cheap Car Insurance in Metairie
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Cheapest liability-only car insurance in Metairie: State Farm
Liability-only insurance covers your financial responsibilities when you cause an accident that results in someone else’s property damage or injury. But this coverage doesn’t provide any protection for your vehicle damages or injuries after an accident.
In Metairie, the average cost of liability-only car insurance is $142 per month. Below, you can see which companies have the cheapest liability-only insurance in the city.
Cheapest full-coverage car insurance in Metairie: State Farm
Full-coverage car insurance includes liability insurance as well as collision insurance, comprehensive insurance, and medical payments insurance. Full coverage is optional for most drivers, but lenders often require it for people who lease or finance their vehicles.
The average full-coverage car insurance premium in Metairie is $219 per month. In the following table, you can see which insurers have the cheapest car insurance in Metairie for full coverage.
Car insurance requirements in Louisiana
Louisiana requires all vehicle owners to carry a minimum amount of car insurance. The state minimum liability insurance limits are 15/30/25, but insurance professionals typically recommend that vehicle owners purchase higher coverage limits.4 This is because the minimum amount of liability insurance may not provide sufficient financial protection in the event of an at-fault accident.
You can see how 15/30/25 breaks down in the table below.
In addition to the required coverages, many Louisiana drivers can benefit from adding endorsements to their policy. Here are some of the most common optional car insurance policies that you might consider:
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, including speeding tickets and at-fault accidents, usually pay higher rates for car insurance than people with a clean record. Violations that are more serious, like driving under the influence, often have the biggest effect on rates. People with these types of incidents on their record are riskier to insure, so insurance companies charge them higher rates.
You can see how certain incident types affect your rates in the table below.
Average cost of car insurance by age
Age is one of the biggest factors that can affect the cost of auto insurance. Teen drivers pay the most expensive rates because they’re statistically more likely to be involved in accidents.5
Rates usually decrease around age 35 and increase again around age 70. Like young drivers, older drivers have higher accident rates and are more likely to make driving errors that can lead to a crash.6
Below, you can see the average cost of car insurance in Metairie for drivers based on age group.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Metairie
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Metairie car insurance quotes by credit tier
When calculating premiums, insurance companies in Louisiana are allowed to consider a person’s credit history as a way to gauge how risky a driver will be to insure. This means drivers with excellent credit scores usually pay less for car insurance than people with poor credit scores.
Below, you can see the average monthly car insurance premium for Metairie drivers in different credit tiers.
Metairie car insurance FAQs
Looking for more information to help you find the most affordable car insurance in Metairie? Consult the answers below.
How much is car insurance in Metairie?
The average monthly rate for car insurance in Metairie is $181. The average monthly rate for liability coverage is $142, and the average monthly rate for full coverage is $219.
Which company has the cheapest car insurance in Metairie?
State Farm offers the cheapest rates in Metairie, starting at $80 per month. Metairie drivers can also find low rates with USAA and National General, the city’s second- and third-cheapest insurers, which offer liability rates as low as $100 and $103 per month, respectively.
But the rates you’re offered may differ. That’s why it’s important to shop around to find the most affordable coverage for your needs.
What are the best car insurance companies in Metairie?
State Farm, USAA, and Direct Auto rank as three of the top insurers in Metairie.
State Farm continually offers some of the area’s most affordable rates, and USAA remains a top pick for area military members. Direct Auto, meanwhile, offers numerous discounts that can help make Metairie’s considerably higher average rates more affordable.
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