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
|
|---|---|---|---|---|---|---|
| $40 | $480 | Progressive | 45 | June 25, 2025 | New Orleans, LA | 70124 |
| $42 | $503 | Geico | 36 | May 12, 2025 | New Orleans, LA | 70115 |
| $42 | $506 | Progressive | 39 | June 16, 2025 | New Orleans, LA | 70118 |
| $48 | $572 | Progressive | 39 | June 16, 2025 | New Orleans, LA | 70125 |
| $49 | $588 | Progressive | 72 | July 20, 2025 | New Orleans, LA | 70122 |
| $50 | $598 | Progressive | 45 | June 25, 2025 | New Orleans, LA | 70148 |
| $55 | $656 | National General | 37 | June 14, 2025 | New Orleans, LA | 70118 |
| $57 | $680 | Progressive | 44 | April 28, 2025 | New Orleans, LA | 70117 |
| $59 | $706 | Progressive | 26 | June 15, 2025 | New Orleans, LA | 70129 |
| $59 | $712 | Progressive | 38 | June 14, 2025 | New Orleans, LA | 70130 |
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 Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $53 | $640 | Progressive | 39 | June 16, 2025 | New Orleans, LA | 70118 |
| $59 | $712 | Progressive | 38 | June 14, 2025 | New Orleans, LA | 70130 |
| $72 | $868 | Progressive | 39 | June 16, 2025 | New Orleans, LA | 70117 |
| $76 | $912 | Progressive | 40 | June 17, 2025 | New Orleans, LA | 70112 |
| $82 | $988 | Progressive | 49 | July 6, 2025 | New Orleans, LA | 70131 |
| $89 | $1,062 | Progressive | 44 | June 23, 2025 | New Orleans, LA | 70130 |
| $93 | $1,120 | Progressive | 41 | June 19, 2025 | New Orleans, LA | 70127 |
| $96 | $1,146 | National General | 46 | June 27, 2025 | New Orleans, LA | 70125 |
| $105 | $1,256 | National General | 48 | July 16, 2025 | New Orleans, LA | 70128 |
| $105 | $1,261 | Geico | 46 | February 13, 2025 | New Orleans, LA | 70123 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|---|---|---|---|---|---|---|
| $59 | $706 | Progressive | 26 | No | June 15, 2025 | New Orleans, LA | 70129 |
| $163 | $1,958 | National General | 24 | No | May 8, 2025 | New Orleans, LA | 70126 |
| $175 | $2,097 | Geico | 25 | Yes | February 16, 2025 | New Orleans, LA | 70119 |
| $176 | $2,116 | Geico | 23 | No | February 21, 2025 | New Orleans, LA | 70119 |
| $192 | $2,308 | Geico | 26 | Yes | April 7, 2025 | New Orleans, LA | 70115 |
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
|
|---|---|---|---|---|---|---|---|
| $42 | $506 | Progressive | 39 | No | June 16, 2025 | New Orleans, LA | 70118 |
| $59 | $712 | Progressive | 38 | Yes | June 14, 2025 | New Orleans, LA | 70130 |
| $65 | $782 | Progressive | 44 | No | June 23, 2025 | New Orleans, LA | 70130 |
| $67 | $808 | Progressive | 46 | No | June 26, 2025 | New Orleans, LA | 70127 |
| $70 | $842 | Progressive | 37 | No | June 13, 2025 | New Orleans, LA | 70131 |
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
|
|---|---|---|---|---|---|---|---|
| $49 | $588 | Progressive | 72 | July 20, 2025 | New Orleans, LA | 70122 | No |
| $66 | $796 | Progressive | 70 | May 29, 2025 | New Orleans, LA | 70129 | No |
| $99 | $1,188 | Progressive | 57 | May 10, 2025 | New Orleans, LA | 70117 | No |
| $100 | $1,200 | National General | 62 | February 18, 2025 | New Orleans, LA | 70117 | No |
| $102 | $1,221 | Geico | 61 | June 11, 2025 | New Orleans, LA | 70126 | No |
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
|
|---|---|---|---|---|---|---|---|
| $42 | $506 | Progressive | 39 | June 16, 2025 | No | New Orleans, LA | 70118 |
| $49 | $588 | Progressive | 72 | July 20, 2025 | No | New Orleans, LA | 70122 |
| $59 | $706 | Progressive | 26 | June 15, 2025 | No | New Orleans, LA | 70129 |
| $59 | $712 | Progressive | 38 | June 14, 2025 | Yes | New Orleans, LA | 70130 |
| $65 | $782 | Progressive | 44 | June 23, 2025 | No | New Orleans, LA | 70130 |
| $66 | $796 | Progressive | 70 | May 29, 2025 | No | New Orleans, LA | 70129 |
| $67 | $808 | Progressive | 46 | June 26, 2025 | No | New Orleans, LA | 70127 |
| $70 | $842 | Progressive | 37 | June 13, 2025 | No | New Orleans, LA | 70131 |
| $72 | $864 | Progressive | 32 | June 30, 2025 | No | New Orleans, LA | 70130 |
| $72 | $868 | Progressive | 39 | June 16, 2025 | Yes | New Orleans, LA | 70117 |
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 | $1,580 | Progressive | 48 | July 16, 2025 | New Orleans, LA | 70128 |
| <550 | $147 | $1,762 | Progressive | 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 | $204 | $2,450 | National General | 25 | November 22, 2024 | New Orleans, LA | 70131 |
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 | No | May 6, 2025 | New Orleans, LA | 70118 |
| At Fault With No Injury | $73 | $874 | National General | 27 | No | October 16, 2024 | New Orleans, LA | 70122 |
| At Fault With No Injury | $76 | $906 | Progressive | 47 | No | September 8, 2024 | New Orleans, LA | 70119 |
| 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 |
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.
