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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $48 | $578 | Progressive | 46 | May 6, 2025 | New Orleans, LA | 70118 |
| $53 | $636 | Progressive | 52 | January 27, 2025 | New Orleans, LA | 70115 |
| $55 | $654 | Progressive | 76 | November 1, 2024 | New Orleans, LA | 70126 |
| $63 | $754 | Progressive | 69 | March 28, 2025 | New Orleans, LA | 70114 |
| $68 | $816 | National General | 64 | June 26, 2025 | New Orleans, LA | 70117 |
| $70 | $840 | Progressive | 55 | May 3, 2025 | New Orleans, LA | 70115 |
| $72 | $862 | Progressive | 54 | January 7, 2025 | New Orleans, LA | 70113 |
| $72 | $866 | Progressive | 47 | March 12, 2025 | New Orleans, LA | 70128 |
| $73 | $870 | Progressive | 35 | June 8, 2025 | New Orleans, LA | 70117 |
| $73 | $870 | Progressive | 35 | October 5, 2024 | New Orleans, LA | 70125 |
If you have a loan or lease on your vehicle, the lender will require
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $53 | $636 | Progressive | 52 | January 27, 2025 | New Orleans, LA | 70115 |
| $72 | $862 | Progressive | 54 | January 7, 2025 | New Orleans, LA | 70113 |
| $73 | $870 | Progressive | 35 | October 5, 2024 | New Orleans, LA | 70125 |
| $81 | $972 | Progressive | 60 | October 18, 2024 | New Orleans, LA | 70131 |
| $83 | $998 | Progressive | 33 | November 12, 2024 | New Orleans, LA | 70119 |
| $92 | $1,106 | National General | 54 | January 6, 2025 | New Orleans, LA | 70116 |
| $95 | $1,136 | Bristol West | 66 | May 26, 2024 | New Orleans, LA | 70116 |
| $98 | $1,180 | Progressive | 31 | June 21, 2024 | New Orleans, LA | 70125 |
| $103 | $1,240 | Progressive | 79 | February 25, 2025 | New Orleans, LA | 70131 |
| $116 | $1,390 | Progressive | 47 | August 20, 2024 | New Orleans, LA | 70131 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $73 | $874 | National General | 27 | No | October 16, 2024 | New Orleans, LA | 70122 |
| $81 | $968 | Progressive | 26 | No | March 12, 2025 | New Orleans, LA | 70126 |
| $153 | $1,840 | National General | 28 | No | December 30, 2024 | New Orleans, LA | 70130 |
| $154 | $1,844 | National General | 28 | No | April 25, 2025 | New Orleans, LA | 70123 |
| $179 | $2,152 | National General | 26 | Yes | January 3, 2025 | New Orleans, LA | 70125 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $48 | $578 | Progressive | 46 | Yes | May 6, 2025 | New Orleans, LA | 70118 |
| $53 | $636 | Progressive | 52 | Yes | January 27, 2025 | New Orleans, LA | 70115 |
| $72 | $862 | Progressive | 54 | Yes | January 7, 2025 | New Orleans, LA | 70113 |
| $72 | $866 | Progressive | 47 | No | March 12, 2025 | New Orleans, LA | 70128 |
| $73 | $870 | Progressive | 35 | Yes | October 5, 2024 | New Orleans, LA | 70125 |
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 Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $55 | $654 | Progressive | 76 | November 1, 2024 | New Orleans, LA | 70126 | No |
| $63 | $754 | Progressive | 69 | March 28, 2025 | New Orleans, LA | 70114 | No |
| $68 | $816 | National General | 64 | June 26, 2025 | New Orleans, LA | 70117 | No |
| $70 | $840 | Progressive | 55 | May 3, 2025 | New Orleans, LA | 70115 | No |
| $81 | $972 | Progressive | 60 | October 18, 2024 | New Orleans, LA | 70131 | Yes |
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
|
|---|---|---|---|---|---|---|---|
| $53 | $636 | Progressive | 52 | January 27, 2025 | Yes | New Orleans, LA | 70115 |
| $55 | $654 | Progressive | 76 | November 1, 2024 | No | New Orleans, LA | 70126 |
| $72 | $862 | Progressive | 54 | January 7, 2025 | Yes | New Orleans, LA | 70113 |
| $73 | $870 | Progressive | 35 | June 8, 2025 | No | New Orleans, LA | 70117 |
| $74 | $884 | National General | 51 | May 29, 2025 | No | New Orleans, LA | 70114 |
| $81 | $972 | Progressive | 60 | October 18, 2024 | Yes | New Orleans, LA | 70131 |
| $103 | $1,240 | Progressive | 79 | February 25, 2025 | Yes | New Orleans, LA | 70131 |
| $104 | $1,248 | Progressive | 33 | March 25, 2024 | No | New Orleans, LA | 70119 |
| $110 | $1,314 | Progressive | 55 | April 27, 2025 | No | New Orleans, LA | 70130 |
| $110 | $1,314 | Progressive | 37 | May 28, 2025 | No | New Orleans, LA | 70112 |
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 | $140 | $1,674 | National General | 42 | March 26, 2025 | New Orleans, LA | 70121 |
| <550 | $166 | $1,988 | Progressive | 32 | May 1, 2025 | New Orleans, LA | 70117 |
| <550 | $172 | $2,068 | National General | 49 | February 3, 2025 | New Orleans, LA | 70114 |
| <550 | $188 | $2,260 | Progressive | 65 | February 28, 2025 | New Orleans, LA | 70131 |
| <550 | $196 | $2,350 | Bristol West | 55 | January 22, 2024 | New Orleans, LA | 70126 |
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 | $48 | $578 | Progressive | 46 | Yes | May 6, 2025 | New Orleans, LA | 70118 |
| 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 | $74 | $888 | Progressive | 46 | No | March 10, 2025 | New Orleans, LA | 70115 |
| At Fault With No Injury | $92 | $1,106 | National General | 54 | Yes | January 6, 2025 | New Orleans, LA | 70116 |
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.
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 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.
