What Auto Insurance is Cheapest for Police Officers in New Orleans?

One of the more important components that are used to help calculate auto insurance rates is where you keep your vehicle in New Orleans. More densely populated places tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.

The next table sorts the highest-priced areas in Louisiana for police officers to purchase car insurance in. New Orleans ranks #1 with an annual rate of $2,856 for the average insured, which is about $238 monthly.

How much does car insurance cost in New Orleans, LA?
Rank City Premium Per Year
1 New Orleans $2,856
2 Harvey $2,589
3 Marrero $2,569
4 Terrytown $2,480
5 Metairie $2,232
6 Baton Rouge $2,209
7 Shenandoah $2,183
8 Kenner $2,159
9 Central $2,135
10 Hammond $2,107
11 Prairieville $2,105
12 Laplace $2,051
13 Alexandria $2,034
14 Lafayette $1,976
15 Slidell $1,957
16 Lake Charles $1,934
17 Monroe $1,911
18 Sulphur $1,896
19 New Iberia $1,871
20 Houma $1,846
21 Shreveport $1,838
22 Natchitoches $1,781
23 Bayou Cane $1,764
24 Bossier City $1,727
25 Ruston $1,652
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Rates are comparative as the specific New Orleans residence address can lower or raise auto insurance rates considerably.

Finding out which companies quote the lowest-priced insurance rates for police officers requires more work in order to find the best price.

Every auto insurer has their own formula to set policy rates, so we’ll take a look at the most affordable insurance companies in New Orleans. It’s important that you understand New Orleans, LA insurance rates are based on many factors which can substantially change the price you have to pay. Simply having a birthday, getting married, or getting a DUI can cause premium changes that can cause some rates to be much cheaper than others.

Best Insurance Companies for Law Enforcement

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Rankings for the cheapest Louisiana auto insurance companies
Rank Company Cost Per Year
1 USAA $1,642
2 MetLife $1,836
3 GEICO $1,887
4 Progressive $1,927
5 Southern Farm Bureau $2,181
6 Safeway $2,198
7 California Casualty $2,315
8 State Farm $2,431
9 Safe Auto $2,627
10 Allstate $3,035
11 Encompass $3,170
12 Liberty Mutual $3,756
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USAA may offer some of the best car insurance rates in New Orleans at around $1,642 annually. MetLife, GEICO, Progressive, and Southern Farm Bureau would also be considered some of the cheaper New Orleans, LA auto insurance companies.

As the rates illustrate above, if you currently have coverage with Progressive and switched to USAA, you might realize savings of in the vicinity of $285. Drivers with Southern Farm Bureau could save as much as $539 a year, and Safeway insureds might realize rate reductions of up to $556 a year.

Understand that those policy rates are averaged for all drivers and vehicles in Louisiana and are not factoring in an exact location for police officers. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.

The car, truck, or SUV needing coverage is probably the largest consideration that determines whether or not you find low-cost auto insurance for police officers. Vehicles with average performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than high performance models.

The next list shows insurance costs for the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in New Orleans, LA
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $2,347
Ford Escape Limited 2WD $2,724
Toyota RAV4 Sport 2WD $2,786
Jeep Grand Cherokee Laredo 2WD $2,795
Dodge Grand Caravan Hero $2,786
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,824
Toyota Prius $2,862
Ford Explorer XLT 2WD $2,883
Toyota Camry SE $2,934
Ford Edge Limited AWD $2,942
Hyundai Elantra SE 4-Dr Sedan $2,934
Ford Fusion Sport 4-Dr Sedan $2,986
Chevrolet Equinox LS AWD $3,048
GMC Sierra Denali Crew Cab 2WD $3,187
Toyota Camry Hybrid $3,193
Toyota Tacoma Double Cab 4WD $3,204
Ford F-150 Lariat Crew Cab 2WD $3,214
Honda Odyssey EX-L W/Navigation $3,218
Dodge Ram Crew Cab Sport 2WD $3,239
Chevrolet Malibu LTZ $3,277
Volkswagen Jetta SEL 4-Dr Sedan $3,283
Nissan Altima 3.5 SR 4-Dr Sedan $3,277
GMC Sierra 2500HD SLE Regular Cab 4WD $3,285
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in vehicle location which can revise coverage rates considerably.

Based upon the table data, you can presume that cars like the Honda CR-V, Ford Escape, Toyota RAV4, Jeep Grand Cherokee, and Dodge Grand Caravan are most likely to be some of the cheapest vehicles to insure for law enforcement personnel.

How accidents and violations affect rates

The best way to score the cheapest insurance prices for law enforcement personnel is to be an attentive driver and avoid tickets and accidents. The information below shows how speeding tickets and at-fault collisions drive up annual premium costs for each different age group. The information is based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in New Orleans per year with no accidents or violations is $2,281. Add in one speeding ticket and the average cost hikes up to $2,651, an increase of $370 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for police officers jumps again to an average of $5,674. That’s an increase of $3,393, or $283 per month, just for not paying attention while driving!

Get discount New Orleans car insurance rates

Save on insurance for law enforcement personnel in New OrleansInsurers that offer coverage for police officers may also offer rate discounts that could potentially reduce rates by 25% or more if you qualify for them. Larger insurance companies and a selection of discounts can be read below.

The example below shows the comparison of auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, marriage, defensive driving course, multiple policy, claim-free, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on insurance for police officers is 28% or $544.

Best insurance in Louisiana

Picking the top car insurance company can be difficult considering how many companies sell coverage in Louisiana. The company rank data shown next could help you select which auto insurance companies you want to consider when comparing auto insurance rates for police officers. The ratings below are for the companies with a significant amount of written premium nationwide, so companies that may only write in Louisiana will not be included in these rankings.

Top 15 Insurance Companies for Police Officers in Louisiana
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
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The importance of shopping around

New Orleans, LA insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Improving your credit rating, moving to a new city, or getting into an accident may prompt premium changes that may make certain companies cheaper than before.

Not only may things change on your end, but auto insurance companies modify rates without warning in order to remain profitable. Significantly higher losses can result in higher prices, while lower claim expenses may result in cheaper New Orleans car insurance rates.

The data below demonstrates which company has the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with no violations or accidents, and a high credit rating. If we estimate rates based on his current situation, USAA might quote the lowest car insurance rates in New Orleans at $2,727 annually. This is $313 more than the average price paid by Louisiana drivers of $2,414. MetLife, Progressive, GEICO, and Safeway are also included in the cheapest New Orleans, LA auto insurance companies.

Now we will give the driver from above an accident claim, a lower credit rating, and a speeding ticket. Since each company has a different formula to establish rates, comparing quotes may now show a completely different list of affordable New Orleans car insurance companies as shown below.

California Casualty now has the best car insurance rate in New Orleans with State Farm, MetLife, USAA, and Safe Auto now being in the top five. This illustrates why New Orleans drivers need to compare lots of rates when trying to get the most affordable auto insurance quotes for police officers.

Rates are determined by many factors and change dramatically, so the best option the last time you shopped around may now be an over-priced policy.

The New Orleans car insurance agencies listed below can most likely help you make a decision which policy is best, as some drivers aren’t sure which coverage they need and prefer to have professional advice when shopping for the best coverage for law enforcement personnel. It’s not always simple to find the cheapest auto insurance company, and getting advice from a licensed agent can give comfort knowing your policy gives you adequate asset protection.

To find an agent closest to you, click the link after the list.

Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202New Orleans, LA 70124(504) 486-7441

Alan Jackson – State Farm Insurance Agent
7045 Read Blvd Ste 108New Orleans, LA 70127(504) 241-6799

Hartwig Moss Insurance Agency
2626 Canal St #3New Orleans, LA 70119(504) 525-9901

Allstate Insurance: Aaron Gable
2073 Caton StNew Orleans, LA 70122(504) 283-0034

View more New Orleans, LA insurance agents