What Auto Insurance is Cheapest for Felons in New Orleans?

The words “affordable” and “insurance” really don’t belong together, especially when looking for the best insurance rates for felons. Because of the high cost, let’s introduce you to a few of the factors that determine insurance prices, and see how we can help you reduce the cost of the next policy you buy.

One of the many criteria that are looked at to determine the price you pay for insurance is where you live. Areas with more people or more claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The illustration below lists the highest-priced places in Louisiana for felons in which to buy car insurance. New Orleans is ranked #1 with a yearly premium of $2,827 for the average insurance policy, which is approximately $236 each month.

How much does auto insurance cost in New Orleans?
Rank City Annual Premium
1 New Orleans $2,827
2 Harvey $2,589
3 Marrero $2,544
4 Terrytown $2,455
5 Metairie $2,254
6 Baton Rouge $2,209
7 Shenandoah $2,204
8 Central $2,201
9 Kenner $2,159
10 Hammond $2,128
11 Prairieville $2,127
12 Alexandria $2,054
13 Lafayette $1,995
14 Laplace $1,991
15 Monroe $1,989
16 Slidell $1,957
17 Sulphur $1,954
18 Lake Charles $1,915
19 New Iberia $1,909
20 Shreveport $1,838
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Premium costs are estimated as the specific area where the vehicle is garaged can increase or decrease insurance rates significantly.

Determining which company offers the most affordable car insurance rates for felons will require more time in order to find the lowest price quote. Each auto insurer has a unique approach for setting prices, so we will examine the car insurance companies with the overall best prices in Louisiana.

Find the Cheapest Car Insurance for Felons

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Rankings for the cheapest Louisiana auto insurance companies
Rank Company Cost Per Year
1 USAA $1,594
2 MetLife $1,854
3 GEICO $1,945
4 Progressive $1,946
5 Safeway $2,132
6 Southern Farm Bureau $2,181
7 California Casualty $2,338
8 State Farm $2,383
9 Safe Auto $2,549
10 Allstate $2,975
11 Encompass $3,170
12 Liberty Mutual $3,756
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USAA may have some of the lowest car insurance rates in New Orleans at around $1,594 annually. MetLife, GEICO, Progressive, and Safeway would also be considered some of the most economical New Orleans, LA insurance companies.

In the above rates, if you are a policyholder with Safeway and switched to MetLife, you could earn yearly savings of in the neighborhood of $278. Insureds with Southern Farm Bureau might save as much as $327 a year, and California Casualty customers might reduce rates by $484 a year.

To see if you’re overpaying, click here to start your custom quote or click several companies below for low rates.

Be aware that those estimates are averages for all insureds and vehicles and do not factor in an exact zip code location for felons. So the insurer that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to get rate quotes using your own individual information.

Discounts on New Orleans auto insurance

Discounts on car insurance for felonsInsurance providers that offer coverage for felons could also offer rate discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. Large car insurance companies and some of the discounts can be read below.

The chart below illustrates the comparison of premium costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, Louisiana state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, homeowner, accident-free, passive restraint, multiple vehicle, and anti-theft discounts applied. In this example, theaverage amount saved on car insurance for felons is 28% or $815.

New Orleans car insurance companies

Ending up with the highest-rated insurer can be a challenge considering how many different insurance companies sell coverage in New Orleans. The ranking information below could help you analyze which auto insurers you want to consider buying from. These ratings are for large insurance companies, so companies that only write business in Louisiana or surrounding areas are not included in the list.

Top Ten Car Insurance Companies for Felons in New Orleans, LA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
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Data Source: Insure.com Best Car Insurance Companies

The importance of shopping around

Louisiana car insurance rates are determined by lots of factors that may substantially change the price you have to pay. Simply improving your credit, filing a claim, or getting caught speeding may prompt premium changes resulting in some companies being cheaper in comparison to the competition. Not only may your situation change, but auto insurance companies modify rates every year in order to maintain liquidity for claims. Heavy losses may result in more expensive premiums, while profitable underwriting may result in more affordable New Orleans car insurance rates.

The data below shows which company has the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with a clean driving record, no accidents, and good credit. When quoting prices based on his personal risk profile, USAA quotes the best car insurance rates in New Orleans at $2,754 per year. This is $340 more than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway also make the list of the cheapest New Orleans, LA auto insurance companies.

Now we will pretend the driver from the first example some claims, less-than-perfect credit, and a speeding ticket. Due to the fact that each insurance company has a unique approach for setting rates, comparing insurance quotes may now show a different ranking of the cheapest car insurance companies in New Orleans as shown below.

California Casualty now has the cheapest car insurance in New Orleans with USAA, State Farm, MetLife, and Safe Auto now being in the top five. This demonstrates why consumers need to perform an extensive rate comparison to find the best car insurance rates for felons.

Auto insurance prices are made up of many factors and can increase or decrease at any time, so the cheapest option the last time you shopped your coverage around may now be wasting a lot of money.

Tips for finding low-cost car insurance for felons

Below you’ll find some of the better penny-pinching solutions that can help drivers locate lower-cost auto insurance.

That last piece of advice is extremely crucial, as was stressed in the prior article. Auto insurance rates can change considerably in a year, so don’t hesitate to buy a policy from a new company if a cheaper rate is available.

Sticking with a specific company is fine, but we do not recommend it if it’s costing you money that could be spent on other things. In just a couple of minutes you could shop around to find cheaper insurance for felons in New Orleans.

If you wish to get some help when trying to find the best insurance rates for felons, the agents below are willing to answer your questions and help you decide which car insurance company is the best fit. To locate an agency nearest to you, click the button following the list.

View map of New Orleans, LA insurance agents