Louisiana Farm Bureau has the cheapest car insurance in New Orleans, according to our survey of the city’s top insurance providers. Louisiana Farm Bureau’s rates were the lowest for all the driver profiles we looked at, including teens, seniors and drivers with DUIs, accidents or tickets on their records.
State Farm and Progressive also offer affordable auto insurance to drivers in New Orleans. So does USAA, though you need to have ties to the military to benefit from USAA’s low rates.
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Where to get cheap car insurance in New Orleans
Louisiana Farm Bureau has the cheapest car insurance rates in New Orleans, charging $70 a month for minimum coverage. This average rate is for a typical, 35-year-old driver with a clean driving record.
USAA, State Farm and Progressive also offer minimum-coverage car insurance to New Orleans drivers that is cheaper than the city average of $176 a month for such policies. You need to be current or former military, or an eligible family member of one, to take advantage of USAA’s cheap rates, however.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $70 |
| USAA | $107 |
| State Farm | $121 |
| Progressive | $171 |
| City average | $176 |
| Allstate | $215 |
| Safeway | $252 |
| GEICO | $294 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Louisiana, minimum-coverage car insurance satisfies the state’s requirements for liability coverage, which protects you if you cause injuries or damage to others.
Louisiana Farm Bureau offers the cheapest car insurance rates in New Orleans for full-coverage policies, too, at an average of $124 a month.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $124 |
| USAA | $204 |
| State Farm | $243 |
| Safeway | $347 |
| City average | $386 |
| Progressive | $386 |
| Allstate | $562 |
| GEICO | $832 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA charges an affordable full-coverage rate, too, averaging $204 a month, but you must have military associations to qualify.
Compare car insurance quotes from State Farm and Safeway as well if you want to get your best rate in New Orleans. Both companies offer average rates that are cheaper than the city average of $386 a month.
Full-coverage car insurance includes liability, collision and comprehensive coverages. We recommend full coverage to drivers who have newer or expensive vehicles. You may need to buy a full-coverage policy if you finance or lease your vehicle.
Compare car insurance quotes from top companies
Cheapest car insurance in New Orleans by driving record
New Orleans drivers with DUIs, accidents and/or speeding tickets on their records will find the cheapest car insurance from Louisiana Farm Bureau, based on our data.
Louisiana Farm Bureau charges $168 a month to New Orleans drivers after a DUI, by far the cheapest average rate in the city. Still, compare rates from State Farm and USAA, if you qualify, as well, as both offer rates that are lower than the city average of $583 a month in this situation.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $168 |
| State Farm | $263 |
| USAA | $324 |
| Safeway | $463 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Louisiana Farm Bureau’s average rate of $159 a month for car insurance after an accident also is the cheapest in New Orleans.
Again, get rate quotes from State Farm and USAA, and Safeway as well, if your goal is the most affordable policy after an accident. Louisiana Farm Bureau was the cheapest for our sample driver, but you may find cheaper coverage at one of these companies due to factors like your age, the vehicle you drive, where you live and more.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $159 |
| State Farm | $284 |
| USAA | $309 |
| Safeway | $433 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For the cheapest car insurance in New Orleans after a speeding ticket, Louisiana Farm Bureau is once again your best bet, charging an average of $142 a month.
USAA, State Farm and Safeway remain your best alternate options for low rates after a speeding ticket. All three providers offer average rates well below the city average of $465 a month.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $142 |
| USAA | $263 |
| State Farm | $263 |
| Safeway | $358 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Although you’ll pay higher car insurance rates after a DUI, accident and/or speeding ticket, shopping around and comparing quotes from several companies can help. This is because companies weigh multiple factors when calculating rates. Your factors may get you cheaper rates than our sample driver.
Where can I get cheap car insurance in New Orleans as a teen driver?
The cheapest car insurance for New Orleans teens comes from Louisiana Farm Bureau at an average rate of $166 a month. This is for a minimum-coverage policy.
USAA also offers low-cost car insurance to teens in New Orleans who are eligible, with an average rate of $207 a month.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $166 |
| USAA | $207 |
| State Farm | $348 |
| Allstate | $444 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Louisiana Farm Bureau and USAA are also the cheapest car insurance companies for teens in New Orleans who want full coverage. Louisiana Farm Bureau’s average monthly rate here is $292, while USAA’s is $424.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $292 |
| USAA | $424 |
| State Farm | $707 |
| Safeway | $934 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers almost always pay more for car insurance than older drivers. Insurance companies charge teens higher rates for car insurance because they’re more likely to cause accidents.
That said, your age is only one of the many rate factors that determine what you pay for car insurance. This is why it’s important to get quotes from several companies and compare them before settling on the one that best suits your needs.
Get cheap car insurance in New Orleans no matter your age
Where can I get cheap car insurance in New Orleans as a senior driver?
The best source for cheap auto insurance in New Orleans is Louisiana Farm Bureau if you’re a senior driver. Louisiana Farm Bureau charges $69 a month, on average, for minimum coverage in this situation, and $120 a month for full coverage.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $69 |
| USAA | $109 |
| State Farm | $116 |
| Progressive | $156 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For those who qualify, USAA also offers cheap car insurance to New Orleans seniors, with average monthly rates of $109 for minimum coverage and $200 for full coverage.
| Company | Monthly rate |
|---|---|
| Louisiana Farm Bureau | $120 |
| USAA | $200 |
| State Farm | $226 |
| Safeway | $296 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t forget State Farm while shopping for car insurance in New Orleans as a senior. Its average monthly rate for minimum coverage is $116, which is far lower than the city average of $171. For full coverage, State Farm’s rate of $226 a month is more than $100 cheaper than the city average of $353.
What are the car insurance requirements in New Orleans?
New Orleans drivers must buy at least state-minimum car insurance, which includes 15/30/25 liability coverage. That means all policies need, at a minimum:
- Bodily insurance liability limits of $15,000 per person and $30,000 per accident
- A property damage liability limit of $25,000 per accident
Frequently asked questions about New Orleans car insurance
How much is car insurance in New Orleans?
Car insurance in New Orleans costs $176 a month, on average, if you want state-minimum coverage. If you want full-coverage car insurance, the average cost is $386 a month.
Is car insurance more expensive in New Orleans?
Car insurance in New Orleans tends to be more expensive than it is elsewhere in Louisiana. The state average for minimum-coverage car insurance is $135 a month; for full coverage, it’s $348 a month.
Is Louisiana a no-fault insurance state?
Louisiana is not a no-fault state when it comes to car insurance. Drivers in no-fault insurance states usually need to buy personal injury protection (PIP), which covers you and your passengers’ medical expenses, loss of income and more after an accident, regardless of who was “at fault” for it.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every New Orleans ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Louisiana’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- New Orleans
- Shreveport
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