Cheap Car Insurance in New Orleans

Written by Xuyun Zeng and 1 other
Updated Feb 20, 2025
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Cheap Car Insurance in New Orleans

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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.

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 Policy
City, State
ZIP Code
$55 $654 Progressive 76 November 1, 2024 New Orleans, LA 70126
$72 $866 Progressive 47 March 12, 2025 New Orleans, LA 70128
$83 $998 Progressive 33 November 12, 2024 New Orleans, LA 70119
$98 $1,178 Progressive 32 December 19, 2024 New Orleans, LA 70119
$104 $1,248 Progressive 33 March 25, 2024 New Orleans, LA 70119
$107 $1,278 Progressive 35 March 13, 2025 New Orleans, LA 70126
$109 $1,306 Progressive 47 October 20, 2024 New Orleans, LA 70119
$111 $1,337 Aspire Advantage 34 April 10, 2024 New Orleans, LA 70126
$115 $1,376 Progressive 54 March 12, 2025 New Orleans, LA 70114
$116 $1,390 Progressive 47 August 20, 2024 New Orleans, LA 70131
Last Updated May 6, 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.

Find affordable car insurance in minutes.

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 Policy
City, State
ZIP Code
$83 $998 Progressive 33 November 12, 2024 New Orleans, LA 70119
$95 $1,136 Bristol West 66 May 26, 2024 New Orleans, LA 70116
$116 $1,390 Progressive 47 August 20, 2024 New Orleans, LA 70131
$122 $1,466 Bluefire 68 January 27, 2024 New Orleans, LA 70116
$130 $1,556 Progressive 64 November 19, 2024 New Orleans, LA 70129
$138 $1,656 Progressive 61 March 6, 2025 New Orleans, LA 70114
$148 $1,774 Progressive 76 November 2, 2024 New Orleans, LA 70126
$152 $1,826 National General 51 October 9, 2024 New Orleans, LA 70131
$152 $1,828 Progressive 48 October 30, 2024 New Orleans, LA 70125
$161 $1,936 National General 60 October 18, 2024 New Orleans, LA 70131
Last Updated May 6, 2025

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 Policy
City, State
ZIP Code
$73 $874 National General 27 No October 16, 2024 New Orleans, LA 70122
$159 $1,908 Progressive 28 No December 30, 2024 New Orleans, LA 70130
$179 $2,152 National General 26 Yes January 3, 2025 New Orleans, LA 70125
$181 $2,168 Progressive 29 Yes February 25, 2025 New Orleans, LA 70125
$183 $2,196 National General 23 Yes November 8, 2024 New Orleans, LA 70125
Last Updated May 6, 2025

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 Policy
City, State
ZIP Code
$72 $866 Progressive 47 No March 12, 2025 New Orleans, LA 70128
$83 $998 Progressive 33 Yes November 12, 2024 New Orleans, LA 70119
$98 $1,178 Progressive 32 No December 19, 2024 New Orleans, LA 70119
$104 $1,248 Progressive 33 No March 25, 2024 New Orleans, LA 70119
$107 $1,278 Progressive 35 No March 13, 2025 New Orleans, LA 70126
Last Updated May 6, 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 drivers in New Orleans age 55 and older have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$55 $654 Progressive 76 November 1, 2024 New Orleans, LA 70126 No
$95 $1,136 Bristol West 66 May 26, 2024 New Orleans, LA 70116 Yes
$122 $1,466 Bluefire 68 January 27, 2024 New Orleans, LA 70116 Yes
$130 $1,556 Progressive 64 November 19, 2024 New Orleans, LA 70129 Yes
$132 $1,578 Bristol West 56 November 30, 2023 New Orleans, LA 70115 No
Last Updated May 6, 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 Policy
Has Full Coverage
City, State
ZIP Code
$55 $654 Progressive 76 November 1, 2024 No New Orleans, LA 70126
$104 $1,248 Progressive 33 March 25, 2024 No New Orleans, LA 70119
$116 $1,390 Progressive 47 August 20, 2024 Yes New Orleans, LA 70131
$122 $1,462 National General 48 March 19, 2025 No New Orleans, LA 70126
$122 $1,466 Bluefire 68 January 27, 2024 Yes New Orleans, LA 70116
$127 $1,526 Progressive 37 November 23, 2024 No New Orleans, LA 70123
$130 $1,556 Progressive 64 November 19, 2024 Yes New Orleans, LA 70129
$132 $1,578 Bristol West 56 November 30, 2023 No New Orleans, LA 70115
$133 $1,594 Progressive 53 May 2, 2025 No New Orleans, LA 70125
$135 $1,622 National General 55 April 27, 2025 No New Orleans, LA 70130
Last Updated May 6, 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
<550 $132 $1,578 Bristol West 56 November 30, 2023 New Orleans, LA 70115
<550 $172 $2,068 National General 49 February 3, 2025 New Orleans, LA 70114
<550 $196 $2,350 Bristol West 55 January 22, 2024 New Orleans, LA 70126
<550 $210 $2,524 Progressive 59 January 31, 2025 New Orleans, LA 70123
<550 $237 $2,842 Progressive 25 November 22, 2024 New Orleans, LA 70131
Last Updated May 6, 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 With No Injury $72 $866 Progressive 47 No March 12, 2025 New Orleans, LA 70128
At Fault With No Injury $73 $874 National General 27 No October 16, 2024 New Orleans, LA 70122
At Fault With No Injury $95 $1,136 Bristol West 66 Yes May 26, 2024 New Orleans, LA 70116
At Fault With No Injury $98 $1,178 Progressive 32 No December 19, 2024 New Orleans, LA 70119
At Fault With No Injury $107 $1,278 Progressive 35 No March 13, 2025 New Orleans, LA 70126
Last Updated May 6, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

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Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.