New Orleans, LA Auto Insurance Rates

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$1,886 $3,390 $5,878
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California Casualty, New Orleans, LA
$125/1 month
Car Insurance Policy Holder
  • Single 21 Years old Male licensed 3 years ago with Own Mitsubishi Lancer ES used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • high school education & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $10K (Per Person Bodily Injury) / $20K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 25 K Personal Injury Protection
  • 10 K Uninsured Motorists Bodily Injury
  • 20 K Uninsured Motorists Property Damage

Latest Auto Insurance Reviews

Why are drivers in New Orleans and Baton Rouge paying the highest auto insurance premiums in Louisiana?

New Orleans and Baton Rouge are the second and fifth most expensive cities in the United States to buy auto insurance. The average annual premium in New Orleans is $2,778 and that in Baton Rouge is $1,750. Industry expert and Insurance Commissioner of Louisiana, Jim Donelon, attributed this to the fact that the likelihood of drivers filing lawsuits in these areas is higher, which is a trend in the poorer populations of the two largest cities in Louisiana.

Donelon echoed the recent recommendations of the Louisiana Property and Casualty Insurance Commission for reducing claims. The main recommendations are:


· Lower the jury trial threshold from the current $50,000 to $10,000

· Bar “pain and suffering” for uninsured motorists

· Clarify that uninsured motorist claims are to be settled just like bodily injury claims, i.e., the insurer is not required to make undisputed tenders prior to a determination of full and final uninsured motorist settlement value upon agreement by the parties or when a judgment is entered

Donelon also expressed views about considering the “no-pay, no-play” law by the state Legislature as a part of the auto liability reform package in the late 1990s. Under the “no-pay, no-play” provision, drivers who didn’t buy insurance have to forgo the first $15,000 in damages. He expects an effort to take all the pain-and-suffering or non-economic damages off the table.

According to recent estimates of Insurance Information Institute, there are approximately 13% uninsured motorists on Louisiana roads. This number is slightly under the national average of 13.8% but still presents a major threat to uninsured and insured drivers alike.

To reduce the percentage of uninsured drivers in Louisiana, the state government has started imposing fines on uninsured motorists for driving without car insurance. In June 2014, Governor Bobby Jindal signed a legislation (Act 641) which came into effect in July. Under this new law, uninsured vehicles will be impounded and licences and registrations may be revoked. The new law also increases the reinstatement charge for these products and establishes a separate minimum $75 fine for driving without auto insurance.

Uninsured PeriodRevised FeeOld Fee
Less than 30 days $100 $25
31-90 days $250 $100
91 days or more $500 $200
Notice of violation 1st offense: $100 $50
Notice of violation 2nd offense:$250 $150

Source: Louisiana Legislative Fiscal Office

All these initiatives are expected to reduce the percentage of uninsured motorists in the long run and to help reduce premiums.

Methodology:

Uautoinsurance.com compiled average car insurance rates of all the largest cities in the US. Rates are based on full coverage for a married, 38-year-old male (median age of the US) who averagely commutes 7,500 miles to work per year. Our hypothetical driver has a clean record and is insuring a 2014 Toyota Camry LE 4 Cyl 4 Door Sedan.

Policy characteristics include –

  • $100k / $300k Bodily Injury (BI); $50k Property Damage; $100k / $300k Uninsured Motorist BI Coverage
  • $50k Uninsured Motorist Property Damage Coverage; $500 Deductible; $75 Towing Coverage; $600 Rental Car Coverage

New Orleans Car Insurance Rate Comparisons

New Orleans, LA's average car insurance of $3390 differs from Eden Isle, LA (+$230), Timberlane, LA (-$1090), Poydras, LA (+$80) and Louisiana (-$691)

New Orleans Eden Isle, LA Timberlane, LA Poydras, LA Louisiana
Median Insurance Rates $3390 +$230 -$1090 +$80 -$691

New Orleans Car Insurance Savings By Neighborhood & Street Area

New Orleans Driver Street Residence & Car Locations Car Details in New Orleans New Orleans Driver Demographics New Orleans Auto Insurance Estimates Recent New Orleans Insurance Savings
Little Woods
Forum Blvd2004 Audi A4 3.0 quattro19 year teenager$8,473$753
Sun St2005 Buick Rendezvous CX36 year married man$3,875$439
Gentilly Woods
Lipsey St2008 Acura TSX Base28 year married woman$2,806$663
Gaines St2012 Honda Civic LX22 year man$4,067$532
Greenville
McAlister Pl2011 Hyundai Sonata GLS84 year female senior$3,982$507
McAlister Dr2007 Jeep Grand Cherokee Overland16 year male teenager$7,129$907
Idlewood
Waterford Blvd2009 Ford Fusion V6 SEL48 year woman$2,794$433
Parkwood Ct E2005 Chevrolet Silverado 2500HD Work Truck79 year male senior$3,958$332
West Lake
Arbor Dr2010 Toyota Prius III19 year female teenager$6,711$440
Thornley Dr2011 Lincoln MKZ Base63 year senior$4,247$417

New Orleans Post DUI Car Insurance Rates

New Orleans Eden Isle Lacombe Poydras Louisiana
Median Post DUI Insurance Rate $6305 +$428 -$2027 +$149 -$1285
Male Teenager Post DUI Insurance Rate $16518 +$1122 -$5310 +$391 -$3366
Female Teenager Post DUI Insurance Rate $14439 +$978 -$4643 +$340 -$2945

The Post DUI insurance in New Orleans, LA's is $6305 compared to Eden Isle (+$428), Lacombe (-$2027), Poydras (+$149) and Louisiana (-$1285)

In New Orleans, a male teenager with Post DUI pays $2079 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2008 Acura TSX Base in New Orleans, LA would pay $14707 on auto insurance while a female teenager POST DUI would pay $12854.

New Orleans Car Insurance by Segment

New Orleans Teenagers Car Insurance Rates Comparison

23191 New Orleans Teenagers (6% of total population), 49% Male & 51% Female.

New Orleans Lacombe Bridge City Terrytown Louisiana
All Teenagers $8237 -$2648 -$73 -$2721 -$1679
Male Teenager $8881 -$2855 -$78 -$2934 -$1810
Female Teenager $7763 -$2496 -$69 -$2565 -$1583

New Orleans teenagers pay $8237 in insurance in contrast with Lacombe (-$2648), Bridge City (-$73), Terrytown (-$2721) and Louisiana (-$1679). The difference between Male & Female teenagers in New Orleans is $1118

Example

  • 2011 Kia Sorento LX Male Teenager Insurance Rate $7,346
  • 2012 Dodge Journey SXT Female Teenager Insurance Rate $6,851

New Orleans Men & Women Car Insurance

341407 New Orleans Adults (100% of total population), 48% Men & 52% Women.

New Orleans Westwego Eden Isle Chalmette Louisiana
All Women $3254 -$509 +$221 -$490 -$663
Married Women $3152 -$493 +$214 -$474 -$642
All Men $4949 -$774 +$336 -$745 -$1009
Married Men $4712 -$737 +$319 -$709 -$961

The typical insurance rate of $4949 that New Orleans Men pay varies from Westwego (-$774), Eden Isle (+$336), Chalmette (-$745) and Louisiana (-$1009). In New Orleans, married men pay $1560 more than married women.

Example

  • 2013 Nissan Rogue S Married Men Insurance Rate $3,986
  • 2013 Volkswagen Jetta GLI PZEV Married Women Insurance Rate $4,133

New Orleans Senior Car Insurance

57768 New Orleans Seniors (16% of total population), 43% Senior Men & 57% Senior Women.

New Orleans Terrytown Timberlane Marrero Louisiana
All Seniors $4474 -$1478 -$1438 -$752 -$912
Senior Men $4407 -$1456 -$1417 -$741 -$899
Senior Women $4542 -$1501 -$1460 -$764 -$926

New Orleans seniors pay $4474 in insurance compared to Terrytown (-$1478), Timberlane (-$1438), Marrero (-$752) and Louisiana (-$912). In New Orleans, senior men pay $135 less than senior women.

New Orleans Car Insurance Discounts for Multiple Vehicles

New Orleans Population with 1 Vehicle 65273 (45% of New Orleans population), 2 Vehicles 39338 (27% of the New Orleans population) and 3 vehicles 9925 (7% of the population)

New Orleans Bridge City Marrero Arabi Louisiana
2 Vehicles $6441 -$57 -$1083 -$1482 -$1312
3 Vehicles $9831 -$87 -$1653 -$2262 -$2003
4 Vehicles $13221 -$117 -$2223 -$3042 -$2694