The words “low-cost” and “insurance” really shouldn’t be used together, in particular when searching for the lowest insurance prices for drivers with a DUI. To help control this cost, let’s open your eyes to a few of the things that help determine auto insurance premiums, and come up with some ideas to take the sting out of your next policy.
The vehicle model requiring insurance is one of the main factors when trying to find low-priced car insurance for drivers with a DUI. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The information below ranks insurance prices for a handful of the most affordable automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $3,435 |
| Ford Escape XLS 4WD | $3,441 |
| Toyota Tacoma 2WD | $3,740 |
| Volkswagen Jetta S 2.5 Station Wagon | $3,747 |
| Chevrolet Silverado LS Regular Cab 4WD | $3,757 |
| Chevrolet Equinox LS 2WD | $3,811 |
| Toyota Prius | $3,825 |
| Ford F-150 XLT Super Cab 2WD | $3,838 |
| Dodge Grand Caravan CV | $3,845 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $3,899 |
| Ford Explorer Eddie Bauer 2WD | $3,947 |
| Chevrolet Impala LT | $4,069 |
| Nissan Rogue SL 2WD | $4,075 |
| Jeep Grand Cherokee Laredo 2WD | $4,153 |
| Toyota RAV4 Limited 4WD | $4,160 |
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Premium data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in your specific New Orleans, LA location which can modify auto insurance rates noticeably.
Based upon these rates, we can tell that makes and models like the Honda CR-V, Ford Escape, Toyota Tacoma, Volkswagen Jetta, and Chevrolet Silverado are most likely going to be some of the less-costly vehicles to insure after getting a DUI. Car insurance rates will tend to be more expensive because there is more liability exposure for drivers with a DUI, but overall those makes and models will probably have the best insurance prices compared to other vehicles.
One of the many factors that help determine the annual cost of car insurance is where you live in New Orleans. More populated areas tend to have higher auto insurance costs, whereas less populated areas have the benefit of cheaper auto insurance prices.
The information below shows the most expensive areas in Louisiana for drivers with a DUI in which to purchase auto insurance. New Orleans makes the list at #1 with an annual cost of $2,827 for the average policyholder, which is around $236 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New Orleans | $2,827 |
| 2 | Marrero | $2,569 |
| 3 | Harvey | $2,563 |
| 4 | Terrytown | $2,480 |
| 5 | Baton Rouge | $2,231 |
| 6 | Central | $2,223 |
| 7 | Kenner | $2,181 |
| 8 | Metairie | $2,166 |
| 9 | Shenandoah | $2,139 |
| 10 | Prairieville | $2,105 |
| 11 | Alexandria | $2,096 |
| 12 | Hammond | $2,044 |
| 13 | Laplace | $2,031 |
| 14 | Lafayette | $1,995 |
| 15 | Sulphur | $1,974 |
| 16 | Lake Charles | $1,974 |
| 17 | New Iberia | $1,928 |
| 18 | Slidell | $1,919 |
| 19 | Monroe | $1,911 |
| 20 | Shreveport | $1,894 |
| 21 | Houma | $1,865 |
| 22 | Natchitoches | $1,817 |
| 23 | Bayou Cane | $1,782 |
| 24 | Bossier City | $1,744 |
| 25 | Ruston | $1,652 |
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Rates are estimated as the specific geographic location can alter coverage prices significantly.
Determining which company quotes the best insurance rates for drivers with a DUI requires more time than just comparing rates from one or two companies. Each insurer uses their own method for setting prices, so we’ll take a look at the overall cheapest insurance companies in New Orleans.
It’s a good idea to know that New Orleans insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Improving your credit rating, adding a teenager to your policy, or getting a couple of tickets can trigger changes in premium that can now make some companies cheaper in comparison to the competition.
Best Cheap Insurance Rates after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,626 |
| 2 | GEICO | $1,907 |
| 3 | MetLife | $1,910 |
| 4 | Progressive | $1,986 |
| 5 | Southern Farm Bureau | $2,181 |
| 6 | Safeway | $2,198 |
| 7 | California Casualty | $2,315 |
| 8 | State Farm | $2,359 |
| 9 | Safe Auto | $2,549 |
| 10 | Allstate | $2,975 |
| 11 | Encompass | $3,170 |
| 12 | Liberty Mutual | $3,719 |
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USAA may have some of the lowest car insurance rates in New Orleans at around $1,626 each year. This is $788 less than the average price paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Southern Farm Bureau are also some of the cheapest New Orleans, LA auto insurance companies.
As shown in the rates above, if you currently have coverage with MetLife and switched to USAA, you may see a yearly savings of around $284. Insureds with Progressive could save as much as $360 a year, and Southern Farm Bureau customers might lower prices by $555 a year.
To get a fast rate comparison, click here to start your free quote or click several companies below for low rates.
It’s important to note that these estimates are averages across all insureds and vehicles and and are not figured with a vehicle location for drivers with a DUI. So the company that has the cheapest rates for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.
Get discount New Orleans auto insurance rates
Car insurance companies that provide coverage for drivers with a DUI may additionally offer special discounts that can reduce rates by as much as 40% or more if you are eligible for them. A list of insurance companies and the discounts they provide are shown below.
- Farmers Insurance offers discounts including business and professional, youthful driver, good student, alternative fuel, pay in full, mature driver, and early shopping.
- State Farm offers premium reductions for good driver, multiple policy, safe vehicle, defensive driving training, good student, and multiple autos.
- Liberty Mutual includes discounts for multi-car, safety features, newly married, new vehicle discount, and hybrid vehicle.
- MetLife has savings for multi-policy, good driver, defensive driver, good student, and claim-free.
- Progressive may offer discounts for good student, online signing, online quote discount, homeowner, multi-vehicle, and continuous coverage.
The chart below illustrates the difference between insurance costs with and without some available policy discounts. The prices are based on a female driver, no accidents and three traffic tickets, Louisiana state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paperless filing, multiple vehicle, anti-theft, continuous coverage, vehicle safety, and paid-in-full discounts applied. In this example, the average amount saved each year on insurance for drivers with a DUI is 28% or $1,082.
Selecting a high-quality auto insurance company can be a challenge considering how many different companies there are to choose from in New Orleans. The ranking information below may help you select which companies to look at when comparing auto insurance rates for drivers with a DUI.
The rankings below are only made up of the largest companies in the United States, so companies that may only write in Louisiana are not included in the list. To get price quotes from these and other competitive companies, click here.
Top 10 Major Auto Insurance Providers in New Orleans Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
- GEICO – 87%
- 21st Century – 84%
How careless driving impacts New Orleans insurance rates
The recommended way to get cheap insurance premiums in New Orleans after getting a DUI is to drive cautiously and avoid accidents and traffic violations. The example below highlights how speeding tickets and at-fault fender-benders drive up insurance costs for different insured age categories. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy in New Orleans per year with no violations or accidents is $1,860. Get written up for one speeding ticket and the average cost increases to $2,137, an increase of $278 each year. Then add one accident along with the one speeding ticket and the 12-month cost of insurance for drivers with a DUI increases to an average of $2,911. That’s an increase of $1,052, or $88 per month, just for not being a responsible driver!
Last year’s bargain might be this year’s rip off
New Orleans, LA insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Improving your credit score, adding a teenager to your policy, or getting a ticket for careless driving can cause premium changes that can cause some rates to be cheaper than competitors. In addition, insurance companies amend pricing multiple times each year to help ensure profitability. Unexpectedly high claims may cause rate hikes, while a better loss history can produce lower-priced New Orleans car insurance rates.
To illustrate this example, the chart below compares the cheapest car insurance in New Orleans, LA for a 35-year-old female driver with no violations or accidents, and good credit. Based on her personal profile, USAA quotes the most affordable car insurance rates in New Orleans at $2,754 per year. This is $340 more than the average rate paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are the rest of the cheapest New Orleans, LA auto insurance companies.
Now let’s give the driver from the first example a couple of claims, a lower credit rating, and a speeding citation. Since every car insurance company has a different process for filing rates in each state, analyzing rates may now present a slightly different list of the cheapest companies as shown below.
Southern Farm Bureau now has the best price in New Orleans with State Farm, MetLife, Safe Auto, and USAA also being competitive. This shows why it is critical to shop around with many companies to find the most economical insurance rates for drivers with a DUI. Insurance prices can be altered by many risk factors and change substantially, so the best price six months ago may now cost much more than other companies.