Cheap Car Insurance in New Orleans

New Orleans is one of the most beautiful and exciting cities you can visit. But the last kind of “excitement” you want is getting into a car accident!

If you want to enjoy visiting the Crescent City with genuine peace of mind, you need to have the right car insurance. Unfortunately, many drivers don’t fully understand the car insurance requirements, driving conditions, and other important factors about driving in New Orleans.

Quick Facts

As you can tell, getting full-coverage insurance protection in New Orleans can get very expensive. The rest of our guide will help you discover what level of coverage you need and how to save money on your monthly premiums.

How Many Fatal Accidents Happen in New Orleans?

In 2020, there were a total of 36 fatal car accidents in New Orleans. This is a fairly large increase compared to the 24 fatal car accidents reported to the police in 2019.

How Are the Road Infrastructure and Bridges in New Orleans?

Obviously, the driving behavior of others on the road can influence how safe it is to drive in a city. But another major factor concerns the state of the road infrastructure and bridges. And in New Orleans, the infrastructure and bridges are something of a mixed bag.

On the one hand, the city is very committed to making the roads safer. In 2020, the city began a $200 million project to fix potholes, improve the drainage system, and even provide better equipment to the city’s police and fire departments. And this is part of a previously approved $500 million plan to improve infrastructure, including crumbling roads.

However, that investment is so high, particularly because New Orleans has long needed better infrastructure.

To protect yourself as a driver in New Orleans, you need the right level of insurance coverage. While you are the only one who can determine how much insurance you really need, it’s important to get at least the minimum level of insurance required by the state.

Louisiana car insurance minimum requirements are as follows:

Several different factors determine your exact insurance premium. Here’s a breakdown of the factors allowed in New Orleans car insurance rates:

Different car insurance companies in Louisiana will offer various discounts for different things. While you’ll need to contact your insurance carrier to verify which discounts are available, our list below outlines common discounts available to drivers throughout the state.

We have outlined the minimum car insurance coverage for driving in New Orleans. But what if you are caught driving without any insurance at all?

For your first offense, the police are likely to suspend your registration, remove your license plates, and impound your vehicle. You may get a Temporary Vehicle Use Authorization sticker that allows you to drive for three days so you can go to the Office of Motor Vehicles with your insurance info.

The same thing happens on your second offense, though the penalties are much worse if you fail to provide insurance paperwork within the three-day period. You will need to pay a $160 reinstatement fee on top of fines for vehicle storage and vehicle wreckage.

The same things will happen on the third offense, but the reinstatement fee is now $510. And if you are in a car accident without insurance, you likely cannot get compensation even if you were the victim and even if this is your first offense.

In this scenario, the only way to get compensation is to pay out of pocket for damages: $25,000 for property damage and $15,000 for your personal injuries. After you meet that threshold, the remaining costs will be compensated by the other driver’s insurance if they were at fault.