New Orleans drivers pay over $400 a year more for car insurance as compared to the U.S. average, but the real problem lies in the fact that consumers do not proactively shop their coverage around enough to find cheaper rates.

A recent study showed that on average drivers overpay almost $900 a year because they fail to find and switch to the lowest-cost car insurance. If you could spend a few minutes comparing rates and save up to $900 would you?

The cost of New Orleans car insurance depends on many variables, and one of the primary components is the type of car or truck you own. The rate information below details insurance cost for the top-selling vehicles insured in New Orleans.

Car Insurance Rates for Popular Vehicles in New Orleans
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LTZ 2WD $1,326 $663 $111
Chevrolet Silverado Crew Cab Hybrid 2WD $1,392 $696 $116
Dodge Grand Caravan Hero $1,232 $616 $103
Dodge Ram Crew Cab TRX 2WD $1,342 $671 $112
Ford Escape XLS 2WD $1,040 $520 $87
Ford F-150 SVT Raptor Super Cab 4WD $1,258 $629 $105
Ford Focus SEL 4-Dr Sedan $1,272 $636 $106
Honda Accord LX 4-Dr Sedan $1,040 $520 $87
Honda CR-V LX 4WD $1,040 $520 $87
Honda Civic EX-L 2-Dr Coupe $1,528 $764 $127
Honda Odyssey LX $1,138 $569 $95
Kia Optima LX $1,316 $658 $110
Nissan Altima 3.5 SR 2-Dr Coupe $1,476 $738 $123
Nissan Rogue S 2WD $1,316 $658 $110
Toyota Camry XLE $1,300 $650 $108
Toyota Corolla XLE $1,300 $650 $108
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in vehicle garaging location which can increase or decrease rates considerably.

The diagram below demonstrates how deductibles and can affect yearly insurance costs for different age groups. The data is based on a married male driver, comp and collision included, and no discounts are applied.

How to find cheaper New Orleans car insurance rates

The steps below demonstrate how to compare rates and find cheaper prices on auto insurance.

Step 1: Gain an understanding of how companies set rates and the things you can change to prevent high rates. Many rating criteria that result in higher prices such as at-fault accidents, speeding tickets, and a not-so-good credit rating can be rectified by paying attention to minor details.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like Progressive, State Farm, or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.

Step 3: Compare the price quotes to your existing policy and determine if cheaper coverage is available in New Orleans. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.

Step 4: Notify your current company to cancel the current policy and submit a down payment and signed policy application to your new carrier. Once coverage is bound, keep your new certificate of insurance along with your vehicle registration.

One tip to remember is to use identical deductibles and limits on every quote and and to get rates from as many companies as you can. This enables a fair rate comparison and a complete price analysis.

New Orleans, Louisiana Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
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
Titan Insurance 86 82 92 86% A+ 86.5
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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Decisions you make can lower your premiums

A large part of saving on auto insurance is knowing some of the things that play a part in calculating auto insurance rates. If you have some idea of what influences your rates, this enables informed choices that can earn you lower premium levels.

The items below are some of the most rate-impacting factors companies use to determine prices.