Cheapest Auto Insurance in New Orleans, Louisiana (2025)
State Farm has the cheapest car insurance in New Orleans, with a liability insurance rate of $95 per month.
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New Orleans drivers pay an average of $159 per month for liability coverage and $261 for full-coverage auto insurance, which is more than the state averages of $114 for liability and $204 for full coverage. It’s also higher than the national average of $103 for liability insurance and $182 for full coverage.
New Orleans is the largest city in the Pelican State and is prone to hurricanes and flooding, which could contribute to its higher car insurance costs.
Here’s what you should know about finding cheap car insurance in New Orleans, including how to compare quotes and coverage options.
3 of the cheapest car insurance companies in New Orleans
State Farm, Safeco, and USAA are some of the best car insurance options for New Orleans drivers. But the auto insurance company that’s best for you will depend on your unique situation and coverage needs. The quotes below reflect statewide insurance costs in Louisiana.
Best insurer for teen drivers: State Farm
Best insurer for good drivers: Safeco
Best insurer for military members: USAA
How to get the cheapest car insurance in New Orleans
Car insurance companies consider your age, driving history, gender, and location when evaluating your auto insurance rates. Here are the best ways to find cheap car insurance in New Orleans:
Buy a safe car. Most insurance companies will give you a discount for driving a safer vehicle. If you’re in the market for a new car, look for one that’s highly rated by the Insurance Institute for Highway Safety (IIHS).
Take advantage of discounts. Nearly all insurance companies offer discounts to drivers as a way to save money. You can earn a discount for bundling your auto and homeowners insurance, maintaining a good driving record, or getting good grades.
Ask about group discounts. You may receive a discount for belonging to a group plan through your employer or other professional organizations.
Shop around. Insurance premiums vary widely depending on the company you choose. It’s important to compare quotes from at least three different insurers before making a selection.
Cheapest liability-only car insurance in New Orleans: State Farm
Purchasing liability insurance is one way New Orleans drivers can save money on auto insurance. Liability-only insurance costs less than full coverage, but you’ll receive less coverage if you’re involved in an accident.
Liability insurance meets the minimum state requirements for auto insurance. It includes bodily injury liability and property damage liability and will pay for the other driver’s injuries and vehicle damage.3 But you’ll be responsible for covering your own hospital bills and damages to your car.
The average cost of liability insurance in New Orleans is $159 per month. The insurers below offer cheap liability-only insurance in New Orleans.
Cheapest full-coverage car insurance in New Orleans: State Farm
Full-coverage auto insurance includes liability, comprehensive, and collision coverages. It provides more robust coverage if you’re involved in an accident and will protect you if your car is broken into, vandalized, or hit by a falling object.
Your policy also provides coverage if someone else is driving your vehicle on your behalf. But a full-coverage policy costs more, so shopping around and finding the cheapest insurer is essential.
On average, New Orleans drivers pay $261 per month for full coverage. The below companies offer the cheapest full-coverage car insurance in New Orleans.
Car insurance requirements in Louisiana
Louisiana state law requires all drivers to carry the following minimum coverage:4
Although these are the minimum requirements, this won’t be enough coverage for some drivers. You can consider adding the following optional insurance coverages for more financial protection:
Cheapest car insurance for drivers with an incident
Your driving history is one of the biggest factors affecting how much you pay for insurance.5 You can expect to pay more for insurance if you have a history of at-fault accidents, speeding tickets, and DUIs. But different companies will be more forgiving about moving violations and may still offer you an affordable rate.
In New Orleans, drivers with an incident on their motor vehicle records pay an overall monthly average of $245 for car insurance. By comparison, drivers with a clean record pay an overall average of $210 per month.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding puts other drivers at risk and causes one-third of all motor vehicle fatalities. In Louisiana, the consequences of speeding vary depending on the municipality and how many miles over the limit you were driving.
But receiving even one speeding ticket will cause your insurance rates to go up, and you’ll receive a fine between $100 and $300. In some instances, speeding violations could lead to a reckless operation conviction.6
Drivers in New Orleans with a speeding ticket pay a monthly average of $187 for liability-only coverage, compared to $159 for a driver with a clean record. The insurers below offer the cheapest liability insurance quotes to drivers with a speeding ticket on their record.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Anytime you make a claim to your insurer for an at-fault accident, you can expect your insurance premiums to go up. How much your premiums increase will depend on your insurer. In some cases, an at-fault accident could be sufficient cause for your insurer to choose not to renew your policy.
A liability-only policy for New Orleans drivers with an at-fault accident costs $213 per month, on average. Explore the most affordable liability coverage options for drivers with an at-fault accident below.
Cheapest car insurance for drivers with a DUI: State Farm
Louisiana drivers aren’t allowed to operate a motor vehicle with a blood alcohol content (BAC) above 0.08%. Your first offense will result in a fine of up to $1,000, up to six months in jail, and possible probation. The more violations you incur, the steeper the penalties will be.
If you’re convicted of a DUI, you can expect your insurance premiums to increase. And if the insurance company feels you’re too risky, it may choose to cancel your policy altogether.
If you’ve been convicted of a DUI in New Orleans, you might pay an average of $256 per month for liability-only coverage. The insurers below offer the cheapest liability car insurance for New Orleans drivers with a DUI on their record.
Cheapest car insurance for seniors: State Farm
Insurance rates start to decrease around age 35 but start going back up around age 70. That’s because the risk of being killed in an auto accident increases with age.7
But seniors can save on auto insurance by enrolling in a defensive driving course. And seniors who spend little time behind the wheel may qualify for low-mileage discounts.
Senior drivers in New Orleans pay a monthly average of $146 for liability-only coverage and $239 for full-coverage insurance. Explore the lowest monthly quotes for senior drivers in New Orleans in the table below.
Cheapest car insurance for teens: State Farm
Teen drivers receive some of the highest rates on car insurance, mainly due to their lack of driving experience. And teen drivers have crash rates that are almost four times as high as drivers older than 20, according to data from the Insurance Institute for Highway Safety (IIHS).8
The best way young drivers can save on car insurance is by demonstrating how responsible they are. For example, most insurance companies offer discounts for teens who can maintain good grades and demonstrate good driving behavior.
Teens in New Orleans pay an average of $314 per month for a liability-only policy and $516 for full-coverage insurance. The insurers below offer the most affordable options for New Orleans teens.
New Orleans car insurance quotes by credit tier
Louisiana allows insurance companies to consider your credit-based insurance score when setting insurance premiums. Data shows that drivers with poor credit history are more likely to file an insurance claim.
As you can see from the chart below, New Orleans drivers with poor credit pay substantially higher rates than drivers with excellent or good credit history.
Is car insurance more expensive in New Orleans?
New Orleans drivers pay an average of $261 per month for full-coverage auto insurance, which is more than the state monthly full-coverage average of $204. It’s also higher than the national average of $143 for full-coverage insurance.
Drivers in New Orleans, and elsewhere in Louisiana, face high insurance costs because of the state’s risk of property damage from hurricanes and flooding.
More cities in Louisiana
Your car insurance rates can differ depending on your ZIP code. As you can see from the table below, New Orleans is more expensive than the other Louisiana cities listed.
New Orleans car insurance FAQs
If you’re shopping for car insurance in The Big Easy, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in New Orleans?
Car insurance in New Orleans costs an average of $159 per month for liability-only coverage and $261 per month for full-coverage insurance. How much you pay for your auto insurance will depend on your driving record, credit history, age, chosen coverage, and more.
Which company has the cheapest car insurance in New Orleans?
State Farm, National General, and USAA have the cheapest car insurance in New Orleans. State Farm’s rates start at $95 per month for liability-only coverage. National General has liability rates as low as $109 per month, and USAA’s rates start at $121 per month.
But the cheapest company for you will depend on many factors, such as your age, ZIP code, driving record, and more.
What are the best car insurance companies in New Orleans?
State Farm, Safeco, and USAA are some of the best car insurance companies in New Orleans. In addition to offering competitive rates, these companies have strong financial strength ratings from AM Best, relatively high Insurify Quality (IQ) Scores, and offer several discounts. On average, State Farm car insurance in Louisiana costs $69 per month for liability insurance and $105 for full-coverage insurance.
How much car insurance do you need in Louisiana?
To drive legally in Louisiana, you need to carry minimum auto insurance coverage of $15,000 per person and $30,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability.
Why does Louisiana have such expensive car insurance?
A number of factors affect the cost of car insurance in a particular city or state, including population density, risk of severe weather, and crime rates. Louisiana’s car insurance rates could be so high partly due to an increased number of accidents, severe weather such as floods and hurricanes, and car thefts.
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