Cheapest Auto Insurance in Metairie, Louisiana (2024)
State Farm offers the cheapest rates in Metairie, starting at $86 per month.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Updated October 30, 2024
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Table of contents
Located along the Gulf of Mexico, Metairie, Louisiana, residents know all about severe weather events like hurricanes, floods, and tropical storms. The threat of these weather events affects the rates Metairie residents pay for car insurance.
The overall average cost of car insurance in Metairie is $258 per month. Drivers in Metairie pay more for car insurance than the Louisiana overall average rate, which is $203 per month.
Quick Facts
The average price for liability-only coverage in Metairie is $184, and the average rate for full coverage is $331.
Teen drivers in Metairie pay some of the highest rates for car insurance.
USAA is the best insurance company for military families living in Metairie.
Top car insurance companies in Metairie
Many top-rated car insurance companies offer coverage to drivers in Metairie. But the best and cheapest car insurance company in Metairie is different for every driver. Before you choose an auto insurance company, it’s a good idea to compare several car insurance companies to find the best one for your situation, coverage needs, and budget.
Here, you can see three insurers that might appeal to you, depending on your situation. You’ll also find their statewide average rates.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $116 | $70 | Cheap rates |
| USAA | 9.4 | $146 | $87 | Military families |
| Direct Auto | 7.3 | $209 | $140 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
State Farm is the largest U.S. auto insurer by market share and offers some of the lowest average premiums for drivers in Metairie. State Farm also offers a great selection of discounts in Louisiana for even more savings. Drivers can get discounts for good students, being accident-free, military personnel, insuring a vehicle with safety features, bundling policies, and many others.
Pros
Award-winning customer service
Great selection of available discounts
Cons
Few add-on coverage options
Gap insurance not available to all drivers
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for military families: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $109/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $178/mo |
USAA is a great car insurance company to consider for drivers stationed at the nearby Naval Air Station Joint Reserve Base in New Orleans. USAA only sells car insurance to active-duty military, veterans, and their qualifying family members.
USAA has affordable average rates and a big selection of discounts. It also has some of the best third-party ratings for overall customer satisfaction, claims satisfaction, and financial strength.[1] [2]
Pros
Highest third-party ratings
Many available discounts
Cons
Limited endorsements
Only available to eligible military personnel
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
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Best insurer for discounts: Direct Auto
Direct AutoCompare personalized, real-time quotes
| User Reviews | 2.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $142/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $270/mo |
Drivers in Metairie pay rates that are higher than the state average, but Direct Auto can help reduce those rates with a wide array of discounts. Direct Auto offers more than a dozen discounts, with savings for good students, safe drivers, military personnel, drivers older than 55, homeowners, bundling your policies, taking a driver education course, and more.
The insurer also offers multiple payment plans and payment options. You can pay your premium online, through the mobile app, over the phone, or pay cash at a local Direct Auto location.
Pros
Excellent selection of available discounts
Multiple payment plans
Cons
Few add-on coverage options
Many complaints from customers[3]
Read more driver reviews of Direct Auto
Charles - October 29, 2024
Verified
Desire for Better Discounts for Good Drivers
If you reside in the State of Michigan or any no-fault state, be prepared to pay a significant amount for insurance.
Marjorie - October 29, 2024
Verified
Used to be great, but now not so good.
They keep messing up our premiums. They went from $187 to $525. We called four days in a row trying to find out why, and someone was supposed to call us back but never did. We still don't have an explanation.
Janell - October 29, 2024
Verified
Insurance Rates
They are too expensive.
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How to get the cheapest car insurance in Metairie
Car insurance rates are different for every driver and depend on factors like your ZIP code, age, driving record, vehicle type, and more. Some of these things are out of your control. But you have many ways to get cheap car insurance in Metairie.
Here are some tips for getting the most affordable car insurance for your situation:
Compare quotes. It’s a good idea to compare rate quotes from several insurance insurers to find the cheapest policy for your coverage needs and circumstances.
Look for discounts. Many car insurance companies offer discounts that can reduce your monthly auto insurance premium.
Select high deductibles. Choosing a high deductible for policies like comprehensive insurance will lower your monthly premium. However, make sure you can afford to pay a higher deductible in the event of a claim.
Bundle your policies. You can often save money by bundling multiple insurance products from the same company, like car insurance with home insurance or renters insurance.
Find Cheap Car Insurance in Metairie
Minimum coverage policies start at $86 per month
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Cheapest liability-only car insurance in Metairie: State Farm
Liability-only insurance covers your financial responsibilities when you cause an accident that results in someone else’s property damage or injury. But this coverage doesn’t provide any protection for your vehicle damages or injuries after an accident.
In Metairie, the average cost of liability-only car insurance is $184 per month. Below, you can see which companies have the cheapest liability-only insurance in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $86 |
| USAA | $109 |
| National General | $128 |
| Allstate | $141 |
| GEICO | $141 |
| Direct Auto | $142 |
| Progressive | $167 |
| Clearcover | $192 |
| The General | $197 |
| Liberty Mutual | $222 |
| Midvale Home & Auto | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Metairie: State Farm
Full-coverage car insurance includes liability insurance as well as collision insurance, comprehensive insurance, and medical payments insurance. Full coverage is optional for most drivers, but lenders often require it for people who lease or finance their vehicles.
The average full-coverage car insurance premium in Metairie is $331 per month. In the following table, you can see which insurers have the cheapest car insurance in Metairie for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $142 |
| USAA | $178 |
| Allstate | $231 |
| GEICO | $232 |
| National General | $259 |
| Direct Auto | $270 |
| Progressive | $274 |
| Clearcover | $317 |
| Liberty Mutual | $334 |
| The General | $376 |
| Midvale Home & Auto | $386 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Metairie, Louisiana
Drivers using Insurify have found quotes as cheap as $64/mo for liability only and $112/mo for full coverage in Metairie and other Louisiana cities.
*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Metairie, Louisiana within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana requires all vehicle owners to carry a minimum amount of car insurance. The state minimum liability insurance limits are 15/30/25, but insurance professionals typically recommend that vehicle owners purchase higher coverage limits.[4] This is because the minimum amount of liability insurance may not provide sufficient financial protection in the event of an at-fault accident.
You can see how 15/30/25 breaks down in the table below.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the required coverages, many Louisiana drivers can benefit from adding endorsements to their policy. Here are some of the most common optional car insurance policies that you might consider:
Roadside assistance
This policy pays for basic roadside car repairs and services, such as fuel delivery, flat-tire changes, battery replacements, and towing, up to a certain distance.
Gap insurance
If you lease or finance your car, having gap insurance can be a good investment. If your car gets totaled and you have negative equity, gap insurance will pay the difference between the car’s diminished value and what you still owe.
Accident forgiveness
Accident forgiveness waives your first at-fault accident so your premium doesn’t increase. Accident forgiveness often only applies to accidents under a certain monetary limit.
Cheapest car insurance for drivers with an incident
Drivers with incidents on their record, including speeding tickets and at-fault accidents, usually pay higher rates for car insurance than people with a clean record. Violations that are more serious, like driving under the influence, often have the biggest effect on rates. People with these types of incidents on their record are riskier to insure, so insurance companies charge them higher rates.
You can see how certain incident types affect your rates in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $86 | $113 | $119 | $146 |
| USAA | $109 | $144 | $152 | $184 |
| National General | $128 | $171 | $180 | $217 |
| Allstate | $141 | $187 | $197 | $239 |
| GEICO | $141 | $187 | $197 | $239 |
| Direct Auto | $142 | $188 | $202 | $240 |
| Progressive | $167 | $221 | $236 | $283 |
| Clearcover | $192 | $258 | $287 | $325 |
| The General | $197 | $264 | $280 | $333 |
| Liberty Mutual | $222 | $318 | $331 | $376 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is one of the biggest factors that can affect the cost of auto insurance. Teen drivers pay the most expensive rates because they’re statistically more likely to be involved in accidents.[5]
Rates usually decrease around age 35 and increase again around age 70. Like young drivers, older drivers have higher accident rates and are more likely to make driving errors that can lead to a crash.[6]
Below, you can see the average cost of car insurance in Metairie for drivers based on age group.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $658 |
| 20s | $441 |
| 30s | $328 |
| 40s | $295 |
| 50s | $267 |
| 60s | $271 |
| 70s | $268 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Metairie
Check quotes from 100+ top insurance companies
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Metairie car insurance quotes by credit tier
When calculating premiums, insurance companies in Louisiana are allowed to consider a person’s credit history as a way to gauge how risky a driver will be to insure. This means drivers with excellent credit scores usually pay less for car insurance than people with poor credit scores.
Below, you can see the average monthly car insurance premium for Metairie drivers in different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Metairie car insurance FAQs
Looking for more information to help you find the most affordable car insurance in Metairie? Consult the answers below.
How much is car insurance in Metairie?
The average monthly rate for car insurance in Metairie is $258. The average monthly rate for liability coverage is $184, and the average monthly rate for full coverage is $331.
Which company has the cheapest car insurance in Metairie?
State Farm offers the cheapest rates in Metairie, starting at $86 per month. Metairie drivers can also find low rates with USAA and National General, the city’s second- and third-cheapest insurers, which offer liability rates as low as $109 and $128 per month, respectively.
But the rates you’re offered may differ. That’s why it’s important to shop around to find the most affordable coverage for your needs.
What are the best car insurance companies in Metairie?
State Farm, USAA, and Direct Auto rank as three of the top insurers in Metairie.
State Farm continually offers some of the area’s most affordable rates, and USAA remains a top pick for area military members. Direct Auto, meanwhile, offers numerous discounts that can help make Metairie’s considerably higher average rates more affordable.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Louisiana
Sources
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- AM Best. "AM Best Affirms Credit Ratings of United Services Automobile Association, Its Subsidiaries and USAA Capital Corporation."
- NAIC. "Results by complaint index."
- Louisiana Department of Insurance. "Consumer's Guide to Auto Insurance."
- CDC. "Teen Drivers and Passengers: Get the Facts."
- CDC. "Older Adult Drivers."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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