New Orleans Car Insurance Cost (2022 Cheapest + Rankings)

What is the average cost of car insurance in New Orleans? We look at six popular automotive segments to find the vehicles with the cheapest New Orleans car insurance rates.

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  • Average car insurance cost in New Orleans is $3,564 per year, or $297 per month for full coverage.
  • New Orleans auto insurance costs an average of $1,358 per year more than the Louisiana state average cost ($2,206) and $1,997 per year more than the U.S. national average rate ($1,567).
  • Monthly car insurance rates for a few popular models in New Orleans include the Honda Civic at $294, Honda CR-V at $260, and Honda Accord at $310.
  • For cheap car insurance in New Orleans, the Acura RDX ($3,054 per year), Mercedes-Benz A220 ($3,504 per year), Subaru Impreza ($3,094 per year), and Chevrolet Colorado ($2,934 per year) rank well for affordable rates.
  • A few vehicles with the lowest cost auto insurance in New Orleans in their automotive segment include the Chevrolet Tahoe at $3,578 per year, Subaru Impreza at $3,094 per year, Cadillac XT5 at $3,506 per year, and Subaru Legacy at $3,454 per year.

How much does car insurance cost in New Orleans?

Average car insurance cost in New Orleans is $3,564 per year, or around $297 per month for a full-coverage car insurance policy. It costs 127.4% more to insure the average vehicle in New Orleans than the U.S. overall average rate of $1,567.

The average car insurance expense in Louisiana is $2,206 per year, so New Orleans drivers pay an average of $1,358 more per year than the overall Louisiana state-wide average rate. The average cost to insure a car in New Orleans compared to other Louisiana cities is approximately $1,326 per year more than in Lake Charles, $1,260 per year more expensive than in Lafayette, and $828 per year more expensive than in Baton Rouge.

The chart below shows additional information for drivers age 20 to 60 by showing a range of rates for a range of driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in New Orleans includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
New Orleans, LA Car Insurance Cost by Driver Risk Profile
Average Car Insurance Cost in New Orleans, LA
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$8,072$673
Safe Driver Age 20$7,074$590
At-fault Accidents Age 40$5,026$419
Low Deductibles Age 40$4,628$386
Safe Driver Age 30$3,752$313
Safe Driver Age 40$3,564$297
Safe Driver Age 50$3,244$270
Safe Driver Age 60$3,184$265
High Deductibles Age 40$3,014$251
Discount Rate Age 40$2,960$247

In the chart above, the cost of car insurance in New Orleans ranges from $2,960 per year for a 40-year-old driver who shops around for the cheapest New Orleans car insurance rates to $8,072 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy. From a monthly budget point of view, the average cost in the previous chart ranges from $247 to $673 per month.

New Orleans car insurance rates are priced differently for everyone and minor changes in driver risk profiles can have substantial effects on car insurance cost. The potential for large differences in cost stresses the need for accurate free auto insurance quotes when searching online for the cheapest auto insurance.

The age of the rated driver is the single-largest factor that determines the cost of auto insurance, so the list below illustrates this point by breaking out average car insurance rates in New Orleans for driver ages from 16 to 60.

New Orleans car insurance cost for drivers age 16 to 60

  • 16-year-old driver – $12,768 per year or $1,064 per month
  • 17-year-old driver – $11,924 per year or $994 per month
  • 18-year-old driver – $11,134 per year or $928 per month
  • 19-year-old driver – $10,070 per year or $839 per month
  • 20-year-old driver – $7,074 per year or $590 per month
  • 30-year-old driver – $3,752 per year or $313 per month
  • 40-year-old driver – $3,564 per year or $297 per month
  • 50-year-old driver – $3,244 per year or $270 per month
  • 60-year-old driver – $3,184 per year or $265 per month

The rates above for insuring teen drivers age 16 to 19 assumed a male driver. The chart below goes into more detail regarding the cost of insuring teen drivers and separates average car insurance rates for teen drivers by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in New Orleans includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
New Orleans Car Insurance Cost for Drivers Age 16 to 19
Average Car Insurance Cost in New Orleans, LA for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$12,768$11,924$11,134$10,070
Female$11,240$10,604$9,656$8,954

Car insurance for a 16-year-old female in New Orleans costs an average of $1,528 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is less but males still pay an average of $1,116 more per year.

The car insurance rates discussed up to this point consist of an average based on every 2022 vehicle model, which is helpful for making big picture comparisons such as the cost difference between driver ages or locations. For more accurate cost comparisons, however, the data will be more accurate if we perform a rate analysis for the specific model of vehicle being insured.

Later in this article, we explore rates in detail for all different kinds of vehicles, but for now, a handful of the most popular vehicles will be shown to see how car insurance prices size up in New Orleans.

The list below details average insurance rates for both annual and monthly policy terms in New Orleans for some of the more popular vehicles.

Auto insurance cost for popular New Orleans vehicles

Which cars have cheap insurance in New Orleans?

The vehicles with the lowest cost average auto insurance prices in New Orleans, LA, tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Mazda CX-5, and Subaru Crosstrek. Average auto insurance quotes for those vehicles cost $3,516 or less per year for full coverage.

Some other models that come in near the top in our cost comparison are the Ford Maverick, Buick Envision, Subaru Forester, and Hyundai Kona. Average auto insurance rates are somewhat higher for those models than the cheapest compact SUVs at the top of the list, but they still have an average insurance cost of $3,656 or less per year ($305 per month).

The next table breaks down the top 25 models with the cheapest car insurance rates in New Orleans, sorted by annual and monthly insurance cost.

Top 25 Cheapest Cars, Trucks, and SUVs to Insure in New Orleans
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$2,712$226
2Nissan Kicks$2,780$232
3Chevrolet Trailblazer$2,798$233
4Subaru Crosstrek$2,862$239
5Honda Passport$2,866$239
6Toyota C-HR$2,932$244
7Chevrolet Colorado$2,934$245
8Buick Encore$2,946$246
9Nissan Rogue Sport$2,972$248
10Hyundai Venue$3,028$252
11Buick Envision$3,034$253
12Kia Seltos$3,036$253
13Ford Maverick$3,048$254
14Acura RDX$3,054$255
15Toyota Corolla Cross$3,060$255
16Subaru Ascent$3,062$255
17Hyundai Kona$3,080$257
18Mazda MX-5 Miata$3,088$257
19Subaru Forester$3,088$257
20Subaru Impreza$3,094$258
21Volkswagen Tiguan$3,094$258
22Chevrolet Spark$3,108$259
23Honda CR-V$3,122$260
24Cadillac XT4$3,132$261
25Mazda CX-30$3,154$263

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
    Top 25 Cheapest Cars, Trucks, and SUVs to Insure in New Orleans

    The table above that contains 25 ranked vehicles is fine if you just want a vehicle with dirt cheap insurance rates. Due to the fact that we track over 700 vehicles, there is a lot of rate data no being shown. Let’s try a different approach and list the models with the cheapest rates in New Orleans a more sensible way.

    The next section goes into detail about the average cost of car insurance by vehicle segment. The rates shown should give you a better understanding of which segments have the best auto insurance rates in New Orleans. After the chart, the next sections break out the vehicles with the cheapest insurance rates in each unique segment.

    New Orleans auto insurance rates by automotive segment

    When shopping for a different vehicle, it’s advantageous to know which kinds of vehicles are more affordable to insure. For instance, maybe you’re wondering if SUVs have more affordable insurance than minivans or if luxury cars cost less to insure than sports cars.

    The next chart shows the average car insurance cost in New Orleans for each automotive segment. From a segment comparison perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the least expensive rates, with exotic performance models having the highest average cost to insure.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average New Orleans car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all New Orleans Zip Codes.Data last updated on June 24, 2022
    Average New Orleans Auto Insurance Rates by Vehicle Segment
    New Orleans Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$3,332$278
    Midsize Pickup$3,422$285
    Minivan$3,590$299
    Midsize SUV$3,606$301
    Compact Car$3,668$306
    Midsize Car$3,716$310
    Half-ton Pickup$3,874$323
    Compact Luxury SUV$4,006$334
    Large SUV$4,022$335
    Compact Luxury Car$4,046$337
    Large Car$4,120$343
    Heavy Duty Pickup$4,252$354
    Midsize Luxury SUV$4,308$359
    Midsize Luxury Car$4,720$393
    Sports Car$5,028$419
    Large Luxury SUV$5,384$449
    Large Luxury Car$5,636$470

    Rates by automotive segment are precise enough for general comparisons, but the insurance cost for specific vehicles ranges substantially within each of the segments shown in the chart above.

    For example, in the midsize SUV segment, New Orleans insurance rates range from the Honda Passport at $2,866 per year to the Rivian R1S at $4,450 per year, a difference of $1,584 within that segment. Also, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe costing $3,578 per year to the Jeep Grand Wagoneer at $4,748 per year.

    In the next parts of this article, we will eliminate a lot of this variability by looking at car insurance rates for specific makes and models of vehicles.

    Cheapest car insurance rates in New Orleans

    For 2022 models, the five most budget-friendly non-luxury cars to insure in New Orleans are the Subaru Impreza, Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. Average rates for for these vehicles range from $3,094 to $3,464 per year.

    Other cars that rank well include the Nissan Sentra, Toyota Corolla, Honda Insight, and Kia K5, with an average cost to insure of $3,508 per year or less.

    Some additional cars that made the list include the Mazda 6, Hyundai Veloster, Hyundai Accent, and Mazda 3, which average between $3,508 and $3,704 to insure per year in New Orleans.

    Full-coverage auto insurance in New Orleans for this segment for a middle-age safe driver will start around $258 per month, depending on your company and location.

    When prices are compared by vehicle size, the most budget-friendly non-luxury compact car to insure in New Orleans is the Subaru Impreza at $3,094 per year, or $258 per month. For midsize models, the Subaru Legacy has the cheapest rates at $3,454 per year, or $288 per month. And for full-size cars, the Toyota Avalon has the most affordable rates at $3,742 per year, or $312 per month.

    The comparison table below ranks the twenty cars with the lowest-cost average insurance rates in New Orleans, starting with the Subaru Impreza at $258 per month and ending with the Chevrolet Malibu at $309 per month.

    Cheapest Cars to Insure in New Orleans
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$3,094$258
    Chevrolet SparkCompact$3,108$259
    Volkswagen GolfCompact$3,428$286
    Subaru LegacyMidsize$3,454$288
    Volkswagen JettaCompact$3,464$289
    Honda InsightMidsize$3,468$289
    Nissan SentraCompact$3,476$290
    Kia K5Midsize$3,504$292
    Toyota CorollaCompact$3,506$292
    Toyota CamryMidsize$3,508$292
    Kia RioCompact$3,518$293
    Volkswagen PassatMidsize$3,522$294
    Honda CivicCompact$3,532$294
    Mazda 3Compact$3,544$295
    Mazda 6Midsize$3,552$296
    Toyota PriusCompact$3,562$297
    Hyundai AccentCompact$3,610$301
    Hyundai VelosterCompact$3,644$304
    Kia ForteCompact$3,646$304
    Chevrolet MalibuMidsize$3,704$309

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
      Cheapest Cars to Insure in New Orleans

      A few popular car models that did not make the list above include the Nissan Maxima costing an average of $3,980 per year ($332 per month), the Volkswagen Jetta at an average of $3,464 ($289 per month), the Volkswagen GTI costing $3,572 ($298 per month), and the Chrysler 300 costing an average of $3,728 ($311 per month).

      See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

      Looking for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap New Orleans car insurance quotes from the best auto insurance companies in Louisiana.

      Cheapest SUVs to insure in New Orleans

      Ranking in the top five for the lowest-cost New Orleans car insurance rates in the non-luxury SUV segment are the Nissan Kicks, Mazda CX-5, Chevrolet Trailblazer, Subaru Crosstrek, and Honda Passport. Car insurance prices for these 2022 models average $2,862 or less per year, or around $239 per month.

      Not the cheapest SUVs to insure, but still affordable, are models like the Buick Encore, Hyundai Venue, Toyota C-HR, and Nissan Rogue Sport, with an average cost of $3,034 per year or less.

      Some additional models that rank well include the Ford Edge, Kia Seltos, Subaru Ascent, Volkswagen Tiguan, and Toyota Corolla Cross, which average between $3,034 and $3,210 to insure per year.

      On a monthly basis, car insurance rates in New Orleans on this segment for a good driver starts at around $226 per month, depending on the company. The table below ranks the SUVs with the lowest-cost car insurance in New Orleans.

      Cheapest SUVs to Insure in New Orleans
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$2,712$226
      Nissan KicksCompact$2,780$232
      Chevrolet TrailblazerCompact$2,798$233
      Subaru CrosstrekCompact$2,862$239
      Honda PassportMidsize$2,866$239
      Toyota C-HRCompact$2,932$244
      Buick EncoreCompact$2,946$246
      Nissan Rogue SportCompact$2,972$248
      Hyundai VenueCompact$3,028$252
      Buick EnvisionCompact$3,034$253
      Kia SeltosCompact$3,036$253
      Toyota Corolla CrossCompact$3,060$255
      Subaru AscentMidsize$3,062$255
      Hyundai KonaCompact$3,080$257
      Subaru ForesterCompact$3,088$257
      Volkswagen TiguanCompact$3,094$258
      Honda CR-VCompact$3,122$260
      Mazda CX-30Compact$3,154$263
      Honda HR-VCompact$3,204$267
      Ford EdgeMidsize$3,210$268

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
        Cheapest SUVs to Insure in New Orleans

        Some of the more popular SUVs that were not in the top 20 cheapest include the Ford Explorer costing an average of $3,350 per year, the Subaru Forester costing $3,088, and the Toyota Highlander at $3,588.

        See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

        Don’t see your SUV in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Louisiana.

        Cheapest pickup trucks to insure in New Orleans

        The four most affordable pickups to insure in New Orleans are the Chevrolet Colorado at $2,934 per year, Ford Maverick at $3,048 per year, Ford Ranger at $3,170 per year, and Toyota Tacoma at $3,312 per year.

        Some other pickups that have cheaper rates are the Jeep Gladiator, Hyundai Santa Cruz, Ford F150, and GMC Canyon, with an average cost to insure of $3,506 per year or less.

        Full-coverage auto insurance for this segment in New Orleans for an average middle-age driver starts at around $245 per month, depending on the company. The comparison table below ranks the twenty pickups with the lowest-cost insurance rates in New Orleans, starting with the Chevrolet Colorado at $245 per month and ending with the GMC Sierra 3500 at $349 per month.

        Cheapest Pickups to Insure in New Orleans
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$2,934$245
        Ford MaverickMidsize$3,048$254
        Ford RangerMidsize$3,170$264
        Toyota TacomaMidsize$3,312$276
        Nissan FrontierMidsize$3,394$283
        Hyundai Santa CruzMidsize$3,428$286
        GMC CanyonMidsize$3,432$286
        Ford F150Full-size$3,448$287
        Honda RidgelineMidsize$3,472$289
        Jeep GladiatorMidsize$3,506$292
        GMC SierraFull-size$3,632$303
        Nissan TitanFull-size$3,766$314
        Chevrolet SilveradoFull-size$3,834$320
        Toyota TundraFull-size$3,836$320
        Ford F350 Super DutyHeavy Duty$3,872$323
        Chevrolet Silverado HD 3500Heavy Duty$3,898$325
        Nissan Titan XDHeavy Duty$4,004$334
        Ram TruckFull-size$4,072$339
        GMC Sierra 2500 HDHeavy Duty$4,160$347
        GMC Sierra 3500Heavy Duty$4,192$349

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
          Cheapest Pickups to Insure in New Orleans

          For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

          Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Louisiana.

          Cheapest sports cars to insure in New Orleans

          The three top-ranked sports cars with the lowest-cost insurance in New Orleans are the Mazda MX-5 Miata at $3,088 per year, the Ford Mustang at $3,758 per year, and the BMW Z4 at $3,838 per year.

          Some other sports cars that have affordable average insurance rates are the Toyota GR Supra, BMW M3, Chevrolet Corvette, and Audi TT, with an average cost to insure of $4,618 per year or less.

          As a cost per month, car insurance in New Orleans on this segment starts at an average of $257 per month, depending on the company.

          The table below ranks the sports cars with the most affordable average insurance rates in New Orleans, starting with the Mazda MX-5 Miata at $3,088 per year and ending with the Lexus LC 500 at $5,876 per year.

          Cheapest Sports Cars to Insure in New Orleans
          Make/Model Vehicle Type Annual Cost Monthly Cost
          Mazda MX-5 MiataSports Car$3,088$257
          Ford MustangSports Car$3,758$313
          BMW Z4Sports Car$3,838$320
          Subaru WRXSports Car$4,052$338
          Toyota GR86Sports Car$4,154$346
          Toyota GR SupraSports Car$4,250$354
          Audi TTSports Car$4,344$362
          Subaru BRZSports Car$4,474$373
          Chevrolet CorvetteSports Car$4,490$374
          BMW M3Sports Car$4,618$385
          Porsche 718Sports Car$4,820$402
          Chevrolet CamaroSports Car$4,940$412
          Lexus RC FSports Car$5,060$422
          Dodge ChallengerSports Car$5,072$423
          Mercedes-Benz AMG GT53Sports Car$5,148$429
          Jaguar F-TypeSports Car$5,388$449
          Porsche TaycanSports Car$5,532$461
          Porsche 911Sports Car$5,666$472
          BMW M4Sports Car$5,680$473
          Lexus LC 500Sports Car$5,876$490

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
            Cheapest Sports Cars to Insure in New Orleans

            Don’t see rates for your sports car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Louisiana.

            Cheapest luxury car insurance rates in New Orleans

            The most affordable luxury car models to insure in New Orleans are the Acura ILX at $3,282 per year, the Mercedes-Benz A220 at $3,504 per year, and the BMW 330i at $3,766 per year.

            Additional models that are affordable to insure are the BMW 230i, Alfa Romeo Giulia, BMW 330e, and Lexus RC 300, with average annual insurance rates of $3,956 per year or less.

            Ranked in the bottom half of the top 20 cheapest luxury cars to insure, cars like the Cadillac CT4, Mercedes-Benz AMG CLA45, Genesis G70, Audi A3, and Mercedes-Benz AMG CLA35 cost between $3,956 and $4,142 per year for auto insurance.

            Car insurance in this segment for a middle-age safe driver will start around $274 per month, depending on where you live and the company you use.

            When vehicle size is considered, the most affordable small luxury car to insure in New Orleans is the Mercedes-Benz A220 at $3,504 per year. For midsize luxury cars, the Acura ILX has the best rates at $3,282 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $4,186 per year.

            The comparison table below ranks the twenty cars with the lowest-cost insurance rates in New Orleans, starting with the Acura ILX at $274 per month and ending with the Audi S3 at $345 per month.

            Cheapest Luxury Cars to Insure in New Orleans
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura ILXMidsize$3,282$274
            Mercedes-Benz A220Compact$3,504$292
            BMW 330iCompact$3,766$314
            Acura TLXCompact$3,792$316
            Volvo S60Compact$3,824$319
            BMW 330eCompact$3,838$320
            BMW 228iCompact$3,862$322
            BMW 230iCompact$3,886$324
            Lexus RC 300Midsize$3,952$329
            Alfa Romeo GiuliaCompact$3,956$330
            Cadillac CT4Compact$3,962$330
            Lexus RC 350Compact$3,968$331
            Genesis G70Compact$4,024$335
            Mercedes-Benz AMG CLA35Midsize$4,046$337
            BMW i4Midsize$4,068$339
            Cadillac CT5Midsize$4,082$340
            Audi A3Midsize$4,124$344
            Audi A4Compact$4,130$344
            Mercedes-Benz AMG CLA45Midsize$4,140$345
            Audi S3Compact$4,142$345

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
              Cheapest Luxury Cars to Insure in New Orleans

              For all luxury car insurance comparisons, see our full luxury car insurance guide.

              Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Louisiana.

              Cheapest luxury SUVs to insure in New Orleans

              The four top-ranked luxury SUVs with the most affordable average insurance rates in New Orleans are the Acura RDX at $3,054 per year, Cadillac XT4 at $3,132 per year, Volvo XC40 at $3,432 per year, and Cadillac XT5 at $3,506 per year.

              Not the cheapest, but still very affordable, are models like the Lexus UX 200, Lexus NX 350, BMW X1, and Lexus UX 250h, with average annual insurance rates of $3,644 per year or less.

              In the bottom half of the top 20, SUVs like the Jaguar E-Pace, Infiniti QX50, Lexus RX 450h, Lincoln Nautilus, and Lexus RX 350 average between $3,644 and $3,776 per year for insurance.

              Auto insurance in New Orleans for this segment can cost as low as $255 per month, depending on the company.

              If prices are ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in New Orleans is the Acura RDX at $3,054 per year. For midsize 2022 models, the Cadillac XT5 has the cheapest rates at $3,506 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $3,860 per year.

              The comparison table below ranks the twenty SUVs with the most affordable average car insurance rates in New Orleans, starting with the Acura RDX at $3,054 per year ($255 per month) and ending with the Lincoln Corsair at $3,776 per year ($315 per month).

              Cheapest Luxury SUVs to Insure in New Orleans
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$3,054$255
              Cadillac XT4Compact$3,132$261
              Volvo XC40Compact$3,432$286
              Cadillac XT5Midsize$3,506$292
              Lexus NX 250Compact$3,546$296
              BMW X1Compact$3,552$296
              Lexus NX 350hCompact$3,572$298
              Lexus UX 250hCompact$3,574$298
              Lexus NX 350Compact$3,632$303
              Lexus UX 200Compact$3,644$304
              Jaguar E-PaceMidsize$3,654$305
              Lexus RX 350Midsize$3,672$306
              Acura MDXMidsize$3,690$308
              Lincoln NautilusMidsize$3,724$310
              Lexus NX 450hCompact$3,734$311
              Mercedes-Benz GLB 250Compact$3,748$312
              Lexus RX 450hMidsize$3,756$313
              Land Rover EvoqueCompact$3,770$314
              Infiniti QX50Midsize$3,772$314
              Lincoln CorsairCompact$3,776$315

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New Orleans, LA.Data last updated on June 24, 2022
                Cheapest Luxury SUVs to Insure in New Orleans

                See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

                Need rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free New Orleans car insurance quotes from top companies in Louisiana.

                Tips for finding cheaper New Orleans car insurance quotes

                Smart drivers should always be thinking of ways to reduce the monthly expense for insurance, so take a minute or two to look through the tips below to see if you can save a little cash on your next renewal.

                • If your car is older, remove unneeded coverages. Dropping full coverage from vehicles whose value has dropped to the point where coverage is not cost effective can reduce the cost of insurance considerably.
                • Avoid accidents to save on New Orleans auto insurance. Too many at-fault accidents will increase rates, possibly by an extra $4,970 per year for a 20-year-old driver and even as much as $1,142 per year for a 50-year-old driver. So drive safe and save!
                • Compare car insurance quote before buying a car. Different vehicle models can have significantly different car insurance premiums, and companies can price policies with very different rates. Get comparison quotes before you buy a different vehicle in order to prevent insurance sticker shock when you receive your first bill.
                • Your profession could save you money. The vast majority of insurance companies offer policy discounts for occupations like emergency medical technicians, high school and elementary teachers, doctors, engineers, members of the military, and others. If you can qualify for this discount, you could save between $107 and $372 on your annual auto insurance bill, depending on your policy.
                • Remain claim free and save. Insurance companies reduce rates a little if you do not file any claims. Insurance is intended to be used for large financial hits, not nickel-and-dime type claims.
                • Choose vehicles that have cheaper auto insurance. The performance of the vehicle you drive has a significant impact on the price you pay for car insurance. For example, a Subaru Forester costs $4,292 less per year to insure in New Orleans than a Nissan GT-R. Choose lower performance vehicles and save money.
                • Shop around for better prices. Take a couple of minutes to get a few free car insurance quotes is the best recommendation for saving money. Rates change often and you can switch your coverage anytime.