Cheapest Auto Insurance in Slidell, Louisiana (2024)

A suburb of New Orleans on Lake Pontchartrain, Slidell offers quick access to one of the nation’s most bustling cities. Drivers in Slidell pay an average of $153 per month for liability car insurance, which is less than the New Orleans average of $188 and similar to the Louisiana state average of $141.

Slidell has a high risk of flooding from storm surge following hurricanes and other weather in the area, which likely contributes to higher rates.

Here’s what you need to know to compare quotes and find the best car insurance rates in Slidell.

3 of the cheapest car insurance companies in Slidell

Drivers in Slidell can expect car insurance rates to vary based on their driving record and coverage selection. As you shop for the best deal on car insurance, you should consider your budget and coverage needs. The goal is to find a balance between affordable pricing and adequate coverage.

As you consider the best coverage options for your circumstances, gather quotes from multiple insurers to compare rates. State Farm, Auto Direct, and Allstate are some of the best car insurance companies in the city. The quotes below reflect statewide average costs.

Best insurer for cheap rates: State Farm

Best insurer for coverage options: Allstate

Best insurer for high-risk drivers: Direct Auto

How to get the cheapest car insurance in Slidell

Insurers consider various factors when determining car insurance rates, including your credit score, age, driving record, and location. You can take steps to secure a better deal.

The following strategies can help you get the best deal on car insurance in Slidell:

• Focus on car safety features. If you’re in the market for a new car, select a vehicle known for its safety features. Insurers typically offer discounts and lower rates for car safety features like additional airbags. Anti-theft devices that reduce the likelihood of theft can also help reduce your insurance costs.

• Increase your deductible. Your deductible is the amount you must pay when you file a claim. For example, imagine you have a $500 deductible, and your claim is $4,000. You’ll need to pay $500. The insurance company pays the remaining $3,500. Higher deductibles usually equate to lower monthly premiums. Weigh the benefits and ensure you can afford the higher amount if you need to file a claim.

• Assess your needs. Not every car needs the same amount of insurance. Even though insurance experts typically recommend full-coverage car insurance, you may not need it if you have a particularly old or inexpensive vehicle. Assess your finances and consult with your car insurance agent to determine how much coverage you need.

• Bundle your insurance coverage. Most insurers offer a discount for customers who bundle multiple insurance policies. Auto insurance, homeowners insurance, renters insurance, and condo insurance policies usually qualify for savings.

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Cheapest liability-only car insurance in Slidell: State Farm

Per Louisiana state law, drivers must have a minimum amount of liability car insurance. This coverage helps pay for vehicle repairs and medical costs for the other driver if you cause an accident. It doesn’t cover any costs associated with your repairs or medical expenses.^[2]

Drivers in Slidell pay an average of $153 per month for liability-only coverage. Here are the cheapest options in the city.

Cheapest full-coverage car insurance in Slidell: State Farm

Full-coverage car insurance includes liability, comprehensive, and collision coverage, which help pay for your vehicle repairs. The additional policies protect against accidents, theft, vandalism, natural disasters, and other events not included in liability-only coverage.

If you lease or finance your vehicle, your lender will likely require you to purchase full-coverage insurance. Insurance experts recommend full-coverage insurance for most drivers to avoid expensive repair costs following vehicle damage or loss.

The average cost of full-coverage car insurance in Slidell is $286 per month. Here are the top companies for full-coverage insurance in Slidell.

Car insurance requirements in Louisiana

Drivers in Louisiana must carry liability auto insurance, including coverage for bodily injury and property damage. Louisiana is a comparative fault state. This means drivers receive insurance claim payouts based on their percentage of fault in an auto accident.

Here are the minimum car insurance amounts required by law in Slidell. The state determines the minimum amounts, but you can choose to increase your limits.^[3]

Drivers in Slidell might want to consider adding higher coverage amounts or additional policies. Purchasing more coverage can help ensure you protect your finances in the event of an accident. Extra coverage can help prevent out-of-pocket costs.

Here are additional auto insurance policies to consider when shopping around for coverage:

• 

  Comprehensive coverage

  Comprehensive coverage helps pay for damages caused by non-collision events, including theft, vandalism, and natural disasters.

• 

  Collision coverage

  If you have an accident, collision coverage helps pay for the costs of your repairs. It kicks in regardless of fault.

• 

  Medical payments coverage

  If you have injuries due to an accident, a medical payments policy helps pay for medical care for you and your passengers up to a certain limit.

• 

  Uninsured/underinsured motorist coverage

  If you have an accident with an uninsured or underinsured driver, an uninsured or underinsured motorist policy covers your medical expenses and vehicle repairs.

Louisiana’s No-Pay, No-Play statute

Nearly 12% of drivers in Louisiana don’t have car insurance, according to the Insurance Research Council. Uninsured drivers in Louisiana can’t collect money for property damage or personal injury from another driver, per the state’s No-Pay, No-Play statute. 

The No-Pay, No-Play statute encourages drivers to buy state-mandated coverage minimums. If both drivers involved in a car accident have auto insurance, the driver who causes the accident is responsible for paying for the other driver’s medical expenses and vehicle repairs. But if the other driver doesn’t have insurance, the at-fault driver isn’t responsible for paying.

Cheapest car insurance for drivers with an incident

Insurance companies use a variety of factors to determine how risky it is to insure each customer. The more expensive it is for an insurer to provide coverage, the more the driver will have to pay for insurance.

Auto incidents, which include driving under the influence (DUI) charges, speeding tickets, and at-fault accidents, are some of the risk factors that cause insurance rates to increase. Because of that, car insurance rates usually increase after an incident.^[4]

On average, drivers in Slidell with an incident on their record pay $205 per month for liability car insurance and $286 for full-coverage insurance. How much your premium increases depends on the severity of the offense and whether you have other incidents on your record.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

If you receive a speeding ticket, your car insurance costs will likely increase. These violations demonstrate a level of risk to insurers. Slidell drivers with a speeding ticket pay $225 per month for liability car insurance, on average.

Here are the best liability insurance options for people with a speeding ticket in Slidell.

Cheapest car insurance for drivers with an at-fault accident: State Farm

When you cause a car accident, it’ll remain on your driving record for a few years. During that time, you can expect to pay more for car insurance.

On average, Slidell drivers with an at-fault accident pay $235 per month for liability-only car insurance. The following insurers offer the best liability insurance rates for drivers with an at-fault accident in Slidell.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence can result in license suspension, non-renewal of your insurance policy, and increased rates. The violation can stay on your record for up to 10 years, but some insurers specialize in coverage for high-risk drivers.^[5] Drivers with a past DUI pay average rates of $153 per month for liability coverage.

If you’re struggling to find coverage after a DUI or want more competitive rates, consider these top insurers in Slidell for liability insurance.

Cheapest car insurance for seniors: State Farm

Your age is one of the factors that affects your car insurance rates the most. Around age 35, your costs will begin to decrease with age, and you’ll likely have your lowest rates around retirement age. At age 70, however, prices start to increase again because insurers start accounting for aging-related risk factors.^[6]

Here are the best car insurance options for senior drivers in Slidell, who pay an average of $120 per month for liability-only insurance and $224 for full-coverage insurance.

Cheapest car insurance for teens: State Farm

Due to inexperience on the road and risky habits behind the wheel, teenage drivers can expect to pay the highest car insurance rates. If you need to insure a teenage driver, you can find ways to lower costs. Encourage your teenager to complete a defensive driving course and utilize a family insurance plan for as long as possible.^[7]

Comparing quotes from multiple insurers is the most effective way to secure the best rates. Some insurance companies specialize in coverage for teenage drivers and offer discounts for good students or teenagers away at college. Check with each insurer about special offers and ways to save.

The following companies offer the best rates for teenage drivers in Slidell. On average, Slidell teens pay $311 per month for liability and $582 for full coverage.

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Slidell car insurance quotes by credit tier

Your credit-based insurance score affects your car insurance costs in Louisiana. Insurers consider lower scores to indicate higher risk, which equates to higher costs for the company. Because of that, you can expect to pay more for insurance if you have a poor credit history. If you have a good or excellent credit history, you’ll usually pay less for coverage.

Here’s how much you can expect to pay for full-coverage car insurance in Slidell by credit tier.

Is car insurance more expensive in Slidell?

Car insurance in Slidell costs an average of $153 per month for liability coverage and $286 for full coverage, which is much more than the national averages of $104 for liability insurance and $211 for full coverage. The Louisiana state average of $141 per month for liability and $265 for full coverage also exceeds the national average.

Your ZIP code affects your car insurance rates, including where you live within a state. Even though car insurance in Slidell is more expensive than the national average, it’s cheaper than in other parts of Louisiana. Since Slidell is a small city, drivers can expect to pay less than they would in a larger city like New Orleans.

More cities in Louisiana

Slidell has a population of around 29,000. Car insurance rates increase as population size increases, so drivers in the same state may pay vastly different rates for car insurance. Drivers in Slidell pay less for car insurance than Louisiana drivers in larger cities like Metairie and New Orleans.

Slidell drivers pay $286 per month for liability coverage and $286 for full-coverage insurance. Here are the average liability-only and full-coverage rates for car insurance in different Louisiana cities.

Slidell car insurance FAQs