Farm Bureau offers the lowest car insurance rates in New Orleans, with average annual premiums of $953 for minimum coverage and $2,344 for full coverage. GEICO, State Farm and Progressive also offer affordable coverage in the city.
Car Insurance in New Orleans
Updated: August 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in New Orleans include Farm Bureau, GEICO and State Farm, with rates up to 52% lower than the city average.
In New Orleans, monthly car insurance costs average $379 for full coverage and $164 for minimum coverage.
You'll find the best cheap auto insurance in New Orleans by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in New Orleans?
| Farm Bureau | $79 | $195 | -52% |
| GEICO | $87 | $252 | -41% |
| State Farm | $117 | $341 | -21% |
| Progressive | $121 | $352 | -18% |
| Safeway | $187 | $297 | -16% |
Cheapest New Orleans Car Insurance by Category
Farm Bureau ranks as the most affordable car insurance option across all nine driver categories in New Orleans, from young drivers to those with accidents or DUIs.
| Young Drivers | Farm Bureau | $189 |
| Adult Drivers | Farm Bureau | $79 |
| Senior Drivers | Farm Bureau | $84 |
| Drivers With an Accident | Farm Bureau | $91 |
| Drivers With a DUI | Farm Bureau | $88 |
| Drivers With a Speeding Ticket | Farm Bureau | $83 |
| Drivers With Bad Credit | Farm Bureau | $104 |
| Drivers With Newer Cars | Farm Bureau | $113 |
| Drivers With Old Cars | Farm Bureau | $73 |
Compare the Cheapest New Orleans Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance. Check the table below to find companies offering the best rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Farm Bureau | $79 | $954 | -55% |
| Geico | $87 | $1,049 | -50% |
| State Farm | $117 | $1,402 | -33% |
| Progressive | $121 | $1,454 | -31% |
| AAA | $141 | $1,695 | -20% |
Best Car Insurance Companies in New Orleans
In New Orleans, the top car insurance companies are Progressive, Farm Bureau, GEICO and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 95 | 4 | 1 | 2 |
| Farm Bureau | 95 | 1 | 2 | 5 |
| GEICO | 91 | 2 | 5 | 4 |
| State Farm | 90 | 3 | 3 | 4 |
| AAA | 88 | 6 | 4 | 4 |
Progressive: Best Customer Service
pros
Excellent claims handling experience
Strong coverage options available
24/7 customer support access
cons
Higher rates than some competitors
Limited local agent availability
COMPANY HIGHLIGHTS
Progressive ranks first in New Orleans for customer service quality. The company offers comprehensive coverage options and stands out for its smooth claims process. While its rates run higher than the city average, Progressive makes up for it with strong digital tools and responsive customer support. The company particularly excels in coverage options, ranking second citywide for policy add-ons and customization choices.
Farm Bureau: Best Affordable Coverage
pros
Lowest rates in New Orleans
Multiple driver discounts available
Strong local agent network
cons
Limited coverage options
Basic digital tools
COMPANY HIGHLIGHTS
Farm Bureau offers the most affordable car insurance in New Orleans, with rates well below the city average. Their minimum coverage starts at $79 monthly, while full coverage costs $195 monthly. The company ranks first for affordability across several categories, including adult drivers, seniors, and young drivers. While Farm Bureau's coverage options are basic, their local agents provide personalized service and help customers find additional savings through various discounts.
How Much Is Car Insurance in New Orleans?
In New Orleans, minimum coverage costs about $164 per month or $1,965 per year, ranking 468th out of all Louisiana cities for affordability. Full coverage averages $379 monthly or $4,542 annually, ranking 468th among Louisiana cities.
| Full Coverage | $379 | $4,542 |
| Minimum Coverage | $164 | $1,965 |
New Orleans Car Insurance Cost by Category
In New Orleans, monthly car insurance costs range from $164 to $842 based on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $372 | $842 |
| Adult Drivers | $164 | $379 |
| Senior Drivers | $167 | $380 |
| Drivers With an Accident | $224 | $506 |
| Drivers With a DUI | $249 | $540 |
| Drivers With a Speeding Ticket | $195 | $447 |
| Drivers With Bad Credit | $224 | $492 |
| Drivers With Newer Cars | $217 | $480 |
| Drivers With Old Cars | $164 | $367 |
New Orleans Car Insurance Costs by ZIP Code
In New Orleans, car insurance rates by ZIP code range from $116 to $508 per month. ZIP code 70117 is the most expensive, while 70124 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:70117
| 70117 | $223 | $508 |
Compare Personalized New Orleans Car Insurance Costs
While earlier breakdowns show basic rates, you'll find your exact New Orleans premium by filtering this table's combinations of age, driving history and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $181 | $2,171 | 75% |
How to Get the Best Cheap New Orleans Car Insurance
With New Orleans drivers facing some of the highest car insurance rates in Louisiana, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you how to secure better rates and choose the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your New Orleans driving situation. Consider factors like your car's value, your savings and local accident rates. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore alternative insurance options
Different types of car insurance can save you money while meeting your needs. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the local price range
Research average vehicle insurance costs in New Orleans to set realistic expectations. Understanding typical rates for your neighborhood and driver profile helps you recognize good deals and avoid overpaying.
- 4
Stack available insurance discounts
Maximize your savings with car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, defensive driving courses and telematics options that reward careful driving.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer satisfaction ratings. Focus on companies with strong records in claims handling and customer service in Louisiana. Read local reviews to understand how each insurer treats drivers during claims and service interactions.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct provider websites to ensure you're seeing all available options.
- 7
Review your policy yearly
Set a reminder to review your car insurance policy annually. Life changes like moving within New Orleans, buying a new car, or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in New Orleans: Bottom Line
Car insurance rates vary based on your driving history, credit and coverage needs. In New Orleans, Farm Bureau and GEICO have the cheapest average premiums overall, but compare quotes from multiple providers to find your best match.
Cheap New Orleans Car Insurance: FAQ
Find straightforward answers about affordable car insurance in New Orleans. Our research helps you compare coverage options and rates, so you can choose the right protection for your budget.
What is the cheapest car insurance company in New Orleans, Louisiana?
Farm Bureau offers New Orleans drivers the lowest rates, averaging $953 for minimum coverage and $2,344 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in New Orleans?
Progressive leads New Orleans car insurance providers with a MoneyGeek score of 95 out of 100, scoring just slightly higher than Farm Bureau. Progressive offers excellent customer service and competitive rates.
What is the average cost of car insurance in New Orleans?
In New Orleans, drivers pay $4,542 for full coverage and $1,965 for minimum coverage car insurance annually. Actual rates vary based on individual factors.
Is car insurance in New Orleans expensive?
Car insurance in New Orleans is more expensive than average, ranking 468th for both minimum and full coverage affordability compared to other Louisiana cities.
How We Chose the Best and Cheapest Car Insurance in New Orleans, LA
To help New Orleans drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Louisiana Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Louisiana to tailor options as closely as possible to you.
New Orleans Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in New Orleans
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Louisiana are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.