Car Insurance Quotes New Orleans
Car Insurance Quotes New Orleans
Car insurance in New Orleans is notably more expensive than in other parts of Louisiana and the nation. The average cost of car insurance in New Orleans is $3,735, significantly higher than the Louisiana state average of $2,379 and the national average of $1,548. Full coverage policies are more expensive while opting for less comprehensive coverage can lower costs. in 2025, a full coverage policy in New Orleans averages around $4,752 annually. In comparison, cities like Baton Rouge, Shreveport, and Lafayette have lower average annual premiums for full coverage, at $3,091, $2,436, and $2,819, respectively.
Several insurance companies offer competitive rates in New Orleans. USAA is among the cheapest, with a six-month policy costing $1,206, or $201 per month. However, USAA is exclusively available to military members, veterans, and their families. Southern Farm Bureau is the second cheapest, with policies starting at $1,540 for six months. GEICO is also a strong contender, with average monthly premiums at $260, amounting to $1,561 every six months.
Louisiana law mandates minimum car insurance coverage, including bodily injury liability coverage of $15,000 per person and $30,000 per accident, as well as property damage liability coverage of $25,000. Driving without insurance can lead to serious penalties, such as suspension of registration, removal of license plates, and impoundment of the vehicle. Reinstatement fees and fines for vehicle storage and wreckage can also add to the financial burden.
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The cheapest car insurance companies in New Orleans
the best three insurance companies in New Orleans include the following:
- USAA
A six-month policy with USAA costs $1,206 or $201 per month.
- Southern Farm Bureau
Southern Farm Bureau policies start at $1,540 for six months.
- GEICO
GEICO has an average monthly premium of $260 ($1,561 every six months).
Average cost of car insurance in New Orleans’s largest ZIP codes
The cost of car insurance varies based on where you live, even from one neighbourhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. here are the most populated ZIP codes in New Orleans and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
ZIP Median rate
70119……..$6,413
70118……..$6,059
70122……..$6,230
70115………$5,926
70126……..$6,392
70117……….$6,844
70131……….$6,118
70123………$4,815
70127……..$6,392
70114……..$6,190
How Much Is Car Insurance in New Orleans?
Unfortunately, the car coverage in New Orleans is expensive on average. Compared to the Louisiana car insurance cost of $2,379, that average cost of $3,735 is significantly higher. The state average, in turn, is greater than the $1,548 national average.
Information about key cities in the state and the expected cost of car insurance is provided in the table below to help you better understand the costs of car insurance in New Orleans. Know that it covers the full cost of coverage; your expenses will be reduced if you do not have full coverage.
City Average Annual Premium for Full Coverage
Baton Rouge………..$3,091
Shreveport ………….$2,436
Lafayette……………..$2,819
New Orleans………..$4,234
What Will I Need for Proof of Insurance?
You must receive car insurance ID card from your insurance provider for every vehicle they insure. When operating your vehicle, you must always have this with you. As you move from one state to another, your minimum limits of liability increase per each state’s requirements at no extra expense.
What happens if I don’t carry insurance?
If you are caught driving without the required minimum insurance coverage of 15/30/25, you will be subject to fines, license suspension, and car towing.
According to state laws, “No-Pay, No-Play” insurance law, anyone without mandatory liability is not eligible to receive compensation for property damage and personal injuries sustained in an auto accident. You are therefore not covered by anyone else’s insurance if you do not have liability insurance. for additional information, click here
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