Cheapest car insurance in New Orleans, Louisiana

Louisiana requires minimum liability coverage of 15/30/25. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Louisiana →

Pulled directly from carrier rate filings for this city.

With 369,749 residents, New Orleans sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 58% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 171% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Southern Farm BureauFiled rate, credit/record adjusted $327.67
02 USAAFiled rate, credit/record adjusted $353.40
03 GEICOFiled rate, credit/record adjusted $521.32
04 FarmersFiled rate, credit/record adjusted $611.11
05 Auto Club EnterprisesFiled rate, credit/record adjusted $640.05
06 ProgressiveFiled rate, credit/record adjusted $741.11
07 Louisiana Farm Bureau InsuranceFiled rate, credit/record adjusted $772.83
Rate explainer
Why is your best rate $327.67 and not $209.31?

New Orleans is priced against 7 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$247.77
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$109.70
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.