Cheap Car Insurance in New Orleans

Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

Cheap Car Insurance in New Orleans

Compare car insurance costs by age, coverage level and driving history as you shop for a low rate in New Orleans.

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Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

The streets of New Orleans are great for dances, parties and parades, but they’re not always ideal thoroughfares for drivers. The city’s unconventional layout can confuse visitors — of which the city gets millions each year — and pedestrians enjoying the area’s nightlife can slow drivers down as they cross the city.

A strong car insurance policy can help protect the finances of New Orleans locals who regularly navigate the city by car. Jerry has gathered quote data from real customers in New Orleans to show you how factors like your age and driving history can affect your rate.

More: Best car insurance in Louisiana

Cheapest minimum coverage insurance in New Orleans

To legally drive in Louisiana, drivers must carry these minimum coverages:

$15,000 for bodily injury to one person.
$30,000 for bodily injury to more than one person in an accident.
$25,000 for property damage.

Here are the cheapest insurance rates for minimum coverage in New Orleans, according to quotes received by Jerry customers.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$20	$242	Progressive	39	06/16/25	New Orleans, LA	70117
$27	$328	Progressive	37	06/13/25	New Orleans, LA	70115
$30	$364	Geico	30	09/22/25	New Orleans, LA	70118
$34	$410	Progressive	40	06/18/25	New Orleans, LA	70115
$40	$480	Progressive	38	06/15/25	New Orleans, LA	70130
$43	$512	Geico	39	09/29/25	New Orleans, LA	70123
$53	$632	Geico	28	09/21/25	New Orleans, LA	70122
$55	$662	Progressive	50	10/01/25	New Orleans, LA	70117
$60	$722	Progressive	43	06/21/25	New Orleans, LA	70115
$64	$770	Progressive	46	06/27/25	New Orleans, LA	70115

Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Cheapest car insurance in Louisiana

Cheapest full coverage insurance in New Orleans

New Orleans suffers from natural disasters like flooding and hurricanes that can damage your property. In fact, natural disasters have cost the state over $50 billion since 2020, according to the National Oceanic and Atmospheric Administration. If a storm damages your car, the state’s minimum required coverage can’t help you make repairs, but full coverage may.

Here are the cheapest quotes for full coverage that drivers in New Orleans have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$74	$890	Progressive	42	08/18/25	New Orleans, LA	70117
$82	$988	Progressive	49	07/06/25	New Orleans, LA	70131
$84	$1,008	Progressive	41	06/19/25	New Orleans, LA	70117
$99	$1,188	Progressive	39	06/16/25	New Orleans, LA	70112
$104	$1,244	National General	54	08/16/25	New Orleans, LA	70117
$109	$1,308	Progressive	45	06/25/25	New Orleans, LA	70124
$113	$1,350	National General	51	06/14/25	New Orleans, LA	70126
$113	$1,354	National General	46	06/26/25	New Orleans, LA	70131
$114	$1,366	National General	37	06/13/25	New Orleans, LA	70130
$116	$1,392	National General	72	07/20/25	New Orleans, LA	70122

Last Updated Oct. 15, 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

Cheapest car insurance for young drivers in New Orleans (18-29 years old)

Young drivers often pay high car insurance rates, but policies tend to get more affordable with age and experience.

Check out the cheapest quotes for young drivers in New Orleans, based on Jerry customer data.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$82	$978	Geico	23	No	09/16/25	New Orleans, LA	70126
$88	$1,056	National General	27	No	08/14/25	New Orleans, LA	70131
$96	$1,150	Progressive	29	No	07/28/25	New Orleans, LA	70113
$106	$1,272	Progressive	28	No	09/16/25	New Orleans, LA	70131
$108	$1,294	National General	22	No	09/21/25	New Orleans, LA	70117
$109	$1,308	Progressive	45		06/25/25	New Orleans, LA	70124
$113	$1,350	National General	51		06/14/25	New Orleans, LA	70126
$113	$1,354	National General	46		06/26/25	New Orleans, LA	70131
$114	$1,366	National General	37		06/13/25	New Orleans, LA	70130
$116	$1,392	National General	72		07/20/25	New Orleans, LA	70122

Last Updated Oct. 15, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in New Orleans (30-54 years old)

Drivers between 30 and 54 years old are likely to get better insurance rates than younger drivers.

Here are the cheapest quotes that mature drivers in New Orleans have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$30	$364	Geico	30	No	09/22/25	New Orleans, LA	70118
$60	$722	Progressive	43	No	06/21/25	New Orleans, LA	70115
$64	$770	Progressive	46	No	06/27/25	New Orleans, LA	70115
$66	$788	Progressive	31	No	08/08/25	New Orleans, LA	70123
$68	$816	Progressive	36	No	06/14/25	New Orleans, LA	70127
$109	$1,308	Progressive	45		06/25/25	New Orleans, LA	70124
$113	$1,350	National General	51		06/14/25	New Orleans, LA	70126
$113	$1,354	National General	46		06/26/25	New Orleans, LA	70131
$114	$1,366	National General	37		06/13/25	New Orleans, LA	70130
$116	$1,392	National General	72		07/20/25	New Orleans, LA	70122

Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers in New Orleans (55+ years old)

Older drivers typically pay low insurance rates, but costs may rise as you reach your 70s. Here are the cheapest rates that seniors in New Orleans age 55 and older have received via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code	Has Full Coverage

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code	Has Full Coverage

$64	$772	Progressive	59	09/25/25	New Orleans, LA	70119	No
$68	$820	Geico	70	08/21/25	New Orleans, LA	70128	No
$71	$846	Bristol West	56	09/08/25	New Orleans, LA	70125	No
$71	$854	Progressive	65	09/30/25	New Orleans, LA	70131	No
$80	$956	Progressive	62	09/15/25	New Orleans, LA	70128	No
$109	$1,308	Progressive	45	06/25/25	New Orleans, LA	70124
$113	$1,350	National General	51	06/14/25	New Orleans, LA	70126
$113	$1,354	National General	46	06/26/25	New Orleans, LA	70131
$114	$1,366	National General	37	06/13/25	New Orleans, LA	70130
$116	$1,392	National General	72	07/20/25	New Orleans, LA	70122

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in New Orleans

The best insurance rates tend to go to drivers with clean records.

Here are the cheapest rates New Orleanians with clean records have been quoted via Jerry.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

$30	$364	Geico	30	09/22/25	No	New Orleans, LA	70118
$60	$722	Progressive	43	06/21/25	No	New Orleans, LA	70115
$64	$770	Progressive	46	06/27/25	No	New Orleans, LA	70115
$64	$772	Progressive	59	09/25/25	No	New Orleans, LA	70119
$66	$788	Progressive	31	08/08/25	No	New Orleans, LA	70123
$68	$816	Progressive	36	06/14/25	No	New Orleans, LA	70127
$68	$820	Geico	70	08/21/25	No	New Orleans, LA	70128
$71	$846	Bristol West	56	09/08/25	No	New Orleans, LA	70125
$71	$854	Progressive	65	09/30/25	No	New Orleans, LA	70131
$73	$880	National General	44	08/13/25	No	New Orleans, LA	70131

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in New Orleans

In Louisiana, insurers can use a driver's credit score to help determine their rate, and a lower score may lead to a more expensive premium. Check out the cheapest quotes that Jerry customers in New Orleans with credit scores below 550 have received.

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

<550	$132	$1,580	Progressive	48	07/16/25	New Orleans, LA	70128
<550	$147	$1,762	Progressive	42	03/26/25	New Orleans, LA	70121
<550	$158	$1,890	National General	37	09/16/25	New Orleans, LA	70131
<550	$172	$2,068	National General	49	02/03/25	New Orleans, LA	70114
<550	$181	$2,174	Progressive	55	07/15/25	New Orleans, LA	70127
	$68	$816	Progressive	36		New Orleans, LA	70127
	$68	$820	Geico	70		New Orleans, LA	70128
	$71	$846	Bristol West	56		New Orleans, LA	70125
	$71	$854	Progressive	65		New Orleans, LA	70131
	$73	$880	National General	44		New Orleans, LA	70131

Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in New Orleans

An at-fault accident will likely cause your rate to rise, meaning you may have to compare quotes from multiple providers to find a low-cost policy. Check out the cheapest quotes that drivers in New Orleans with at-fault accidents on their records have received via Jerry.

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At Fault With No Injury	$73	$874	National General	27	No	10/16/24	New Orleans, LA	70122
At Fault With No Injury	$74	$888	Progressive	46	No	03/10/25	New Orleans, LA	70115
At Fault With No Injury	$92	$1,099	Progressive	47	No	09/20/25	New Orleans, LA	70119
At Fault With No Injury	$92	$1,102	Progressive	46	Yes	05/06/25	New Orleans, LA	70118
At Fault With No Injury	$95	$1,136	Bristol West	66	Yes	05/26/24	New Orleans, LA	70116
	$68	$816	Progressive	36	No		New Orleans, LA	70127
	$68	$820	Geico	70	No		New Orleans, LA	70128
	$71	$846	Bristol West	56	No		New Orleans, LA	70125
	$71	$854	Progressive	65	No		New Orleans, LA	70131
	$73	$880	National General	44	No		New Orleans, LA	70131

Last Updated Oct. 15, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.