Who Has Cheap New Orleans Auto Insurance Quotes for 19 Year Olds?

The words “cheap” and “insurance” really don’t belong together, especially when comparison shopping for the best car insurance rates for 19 year olds. In an attempt to save some money, let’s learn about some things that help determine insurance rates, and see if we can help you take the sting out of your next policy.

The vehicle model you are buying coverage for is probably the largest consideration in finding the lowest-priced coverage for 19 year olds. Vehicles with higher performance characteristics, a lack of advanced safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.

The next table ranks coverage prices for the cheapest vehicles to buy coverage for.

Cheapest Vehicles to Insure in New Orleans, LA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $7,243
Ford Escape Limited 4WD $7,741
Toyota Prius $7,831
Jeep Wrangler Sahara 4WD 2-Dr $7,993
Dodge Grand Caravan CV $8,001
Volkswagen Jetta SE 2.5 Station Wagon $8,329
Toyota Tacoma 2WD $8,399
Ford Edge SEL AWD $8,404
Honda Odyssey EX W/Rear Entertainment $8,399
Jeep Grand Cherokee Laredo 4WD $8,492
Ford Fusion S 4-Dr Sedan $8,502
Chevrolet Malibu LS $8,492
Toyota RAV4 Sport 2WD $8,500
Chevrolet Impala LT $8,492
Ford F-150 FX2 2WD $8,581
Ford Explorer Limited 4WD $8,589
Hyundai Elantra Blue 4-Dr Sedan $8,897
Ford Focus SEL 4-Dr Sedan $8,907
Toyota Corolla XLE $8,990
Nissan Altima 2.5 S 4-Dr Sedan $8,996
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Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location which can alter premiums considerably.

Looking at the numbers, you can assume that cars like the Honda CR-V, Ford Escape, and Toyota Prius will be a few of the most budget-friendly vehicles to insure for teenage drivers. The cost of auto insurance will be more expensive because of the fact that there is more claim risk for 19 year olds, but overall those models will most likely have the lowest insurance rates available.

Shopping around for cheap insurance is hard enough, and finding out which company offers the cheapest auto insurance rates for 19 year olds will involve even more rate comparisons. Each auto insurer has a unique approach to set policy rates, so first we will examine the lowest cost auto insurance companies in Louisiana.

Cheapest Insurance Rates for Teens

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Louisiana car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,578
2 MetLife $1,892
3 GEICO $1,907
4 Progressive $1,946
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 $2,945
11 Encompass $3,138
12 Liberty Mutual $3,608
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USAA has some of the best car insurance rates in New Orleans at around $1,578 a year. MetLife, GEICO, Progressive, and Southern Farm Bureau are also some of the best New Orleans, LA insurance companies.

In the rate table above, if you are a customer of GEICO and switched to USAA, you may realize a yearly savings of upwards of $329. Drivers with Progressive could save as much as $368 a year, and Southern Farm Bureau customers might see rate reductions of $603 a year.

Understand that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in an exact zip code location for 19 year olds. So the auto insurance company that is most affordable for your situation may not even be in the top 12 companies shown above. That point stresses why you need to compare as many prices as possible using your own individual information.

For teenage drivers, one of the more important factors that determine auto insurance rates is where you keep your vehicle in New Orleans. Cities with more crime and/or more people tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.

The illustration below shows the most expensive cities in Louisiana for 19 year olds to buy auto insurance in. New Orleans ranks #1 with an annual rate of $2,943 for the average insurance policy, which is about $245 each month.

How much does auto insurance cost in New Orleans?
Rank City Annual Premium
1 New Orleans $2,943
2 Harvey $2,589
3 Marrero $2,469
4 Terrytown $2,455
5 Metairie $2,254
6 Kenner $2,247
7 Baton Rouge $2,209
8 Shenandoah $2,204
9 Central $2,201
10 Hammond $2,107
11 Prairieville $2,105
12 Alexandria $2,096
13 Monroe $1,989
14 Laplace $1,971
15 Lafayette $1,917
16 Sulphur $1,916
17 Lake Charles $1,915
18 Slidell $1,899
19 New Iberia $1,852
20 Shreveport $1,838
21 Houma $1,791
22 Bayou Cane $1,782
23 Natchitoches $1,781
24 Bossier City $1,780
25 Ruston $1,652
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Price information shown is estimated as the specific geographic location can impact rates substantially.

New Orleans auto insurance companies

Picking a highly-rated insurance provider can be challenging considering how many companies sell insurance in New Orleans. The information shown below may help you choose which auto insurance companies to look at purchasing a policy from. The rankings below are for large nationwide companies, so companies with more of a regional focus are not included in these rankings.

Top 15 Auto Insurance Companies for 19 Year Olds 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 information below illustrates how choosing a deductible can affect insurance rates when quoting cheap insurance for 19 year olds. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could lower rates by $316 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $478 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, could roll back prices as much as $788 every year by choosing a higher deductible.

When using a larger deductible, it is important to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Shop around and save

Louisiana auto insurance rates are based on many factors that may substantially change the policy price. Turning one year older, getting divorced, or getting caught speeding may prompt premium changes that may make certain companies cheaper in comparison to the competition.

Additionally, insurance companies change rates every year or even multiple times each year to reflect underwriting profits or losses. Higher than normal claim frequency or severity can result in more expensive premiums, while less frequent claims can produce lower-priced New Orleans car insurance rates.

To help illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in New Orleans, LA for a 30-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her personal risk profile, USAA might offer the lowest car insurance rates in New Orleans at $2,727 annually. This is $313 more than the average premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are also on the list of the cheapest New Orleans, LA auto insurance companies.

Now we will give the driver from the first rate comparison an at-fault accident, a lower credit rating, and a stop sign violation. Since each auto insurance company has their own process for setting prices, comparing prices could result in a significantly different list of the cheapest companies as shown below.

California Casualty now has the lowest car insurance rate in New Orleans, LA with State Farm, MetLife, GEICO, and Safe Auto also being competitive. This example demonstrates why consumers need to take the time to shop around to get the most economical insurance quotes for 19 year olds.

Prices are impacted by many risk factors and can change substantially, so the most economical option a year ago may now be quite expensive.