Who Has the Cheapest New Orleans Car Insurance Rates for State Employees?

The type of vehicle to be insured is one of the largest considerations when shopping around for cheap coverage for state employees. Vehicles with limited speed and performance, a great safety record, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models. The table below ranks insurance costs for a number of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in New Orleans, LA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $2,142
Ford Edge SE 2WD $2,355
Ford Explorer Eddie Bauer 2WD $2,404
Honda CR-V LX 2WD $2,454
Hyundai Elantra GLS Touring Station Wagon $2,463
Jeep Grand Cherokee Laredo 4WD $2,537
Chevrolet Impala LT $2,546
Ford Focus SES 4-Dr Sedan $2,617
Honda Accord LX-P 4-Dr Sedan $2,624
Ford F-150 XLT Regular Cab 2WD $2,697
Chevrolet Malibu LTZ $2,717
Toyota Prius $2,727
Ford Fusion SEL 4-Dr Sedan $2,717
Honda Odyssey EX $2,849
Volkswagen Jetta SE 2.5 Station Wagon $2,869
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific garaging location which can affect auto insurance rates greatly.

Looking at the numbers, you can presume that makes and models like the Ford Escape, Ford Edge, Ford Explorer, Honda CR-V, and Hyundai Elantra are most likely to be a few of the most affordable vehicles to insure for state workers.

Figuring out which companies have the cheapest insurance rates for state employees involves a bit more work in order to find the best price. Every insurance provider uses a different method for determining rates, so let’s take a look at the insurance companies with the most affordable rates in New Orleans, LA.

Compare Cheap Insurance Quotes in Louisiana

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Rankings for the cheapest car insurance companies in Louisiana
Rank Company Cost Per Year
1 USAA $1,594
2 MetLife $1,910
3 GEICO $1,965
4 Progressive $2,005
5 Southern Farm Bureau $2,181
6 Safeway $2,220
7 California Casualty $2,269
8 State Farm $2,359
9 Safe Auto $2,627
10 Allstate $3,035
11 Encompass $3,138
12 Liberty Mutual $3,645
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USAA quotes some of the best car insurance rates in New Orleans at around $1,594 annually. MetLife, GEICO, Progressive, and Southern Farm Bureau would also make the list of some of the lowest-priced New Orleans, LA auto insurance companies.

As shown above, if you are currently insured with Southern Farm Bureau and switched to MetLife, you may realize yearly savings of in the neighborhood of $271. Insureds with Safeway may save as much as $310 a year, and California Casualty insureds might reduce prices by as much as $359 a year.

To compare your rates to other Louisiana insurance companies, click here to start your free quote or visit any of the low-priced companies below.

It’s important to note that these policy prices are averages for all drivers and vehicles and do not factor in a specific zip code for state employees. So the auto insurance company that fits your needs best may not even be in the list above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.

Insuring your vehicle with the best company is hard considering how many companies there are in New Orleans. The ranking data shown next may help you pick which companies you want to consider when shopping around. The rankings below only include large nationwide companies, so companies that focus mainly on Louisiana business are not taken into consideration for the list.

Top 10 Major Car Insurance Companies Overall in New Orleans

  1. USAA
  2. AAA Insurance
  3. Allstate
  4. State Farm
  5. The Hartford
  6. Safeco Insurance
  7. Progressive
  8. American Family
  9. Esurance
  10. The General

Top 10 Major Car Insurance Companies in New Orleans Ranked by Claims Service

  1. Allstate
  2. State Farm
  3. American Family
  4. GEICO
  5. Liberty Mutual
  6. Esurance
  7. AAA Insurance
  8. The Hartford
  9. 21st Century
  10. The General

Illustration showing the impact of accidents and violations

The best way to enjoy the most affordable insurance premiums in Louisiana for state workers is to drive safely and maintain a clean driving record. The diagram below illustrates how violations and accidents raise insurance costs for each different age category. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.

The data above shows the average cost of auto insurance in Louisiana per year with no accidents and a clean driving record is $1,860. Receive two speeding tickets and the average cost increases to $2,561, an increase of $701 each year. Now add one accident along with the two speeding tickets and the 12-month cost of insurance for state employees goes up to an average of $3,265. That’s an increase of $1,405, or $117 per month, just for being a less-than-perfect driver!

Can you find cheaper New Orleans car insurance?

New Orleans insurance rates are based on many factors that may substantially change the cost of having a policy. Simply getting older, moving to a new city, or getting a reckless driving citation can cause premium changes that may make certain companies cheaper than competitors.

And not only may your rating factors change, but insurance companies change the rates they charge in Louisiana as needed as an adjustment for underwriting gains or losses. Heavy losses may result in higher rates, while a better loss history may produce cheaper New Orleans car insurance rates.

The graph below analyzes the cheapest car insurance in New Orleans, LA for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When quoting prices based on her personal profile, USAA has the most affordable car insurance rates in New Orleans at $2,647 a year. This is $233 more than the average policy premium paid by Louisiana drivers of $2,414. MetLife, GEICO, Progressive, and Safeway are the rest of the cheapest New Orleans, LA auto insurance companies.

In this example, we will give the driver from the above example an at-fault accident, a lower credit rating, and a stop sign violation. Since each insurance company has a unique formula to determining premium rates, comparing insurance quotes could now result in a new list of affordable New Orleans car insurance companies as shown below.

California Casualty now has the cheapest insurance rate in New Orleans, LA with State Farm, USAA, MetLife, and Safe Auto completing the list. This illustrates why drivers need to compare as many rates as possible when trying to get the most budget-friendly auto insurance quotes for state employees. Rates are determined by many things and can increase or decrease at any time, so the best price two years ago may now be an over-priced policy.