Cheap Quotes for Metairie, LA Car Insurance (2021)

Metairie, Louisiana car insurance rates average $586 a month and Louisiana law requires coverage of at least 15/30/25. By comparing rates from multiple Metairie, LA companies, you can find cheap Metairie car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • The cheapest car insurance company in Metairie is USAA
  • Average car insurance rates in Metairie, LA for senior drivers are $4,369/year
  • Average car insurance rates in Metairie, LA after a DUI are $8,101/year

How do the Metairie, Louisiana monthly average car insurance rates of $586/month compare to nearby cities like New Orleans car insurance rates, Alexandria car insurance rates, and Baton Rouge car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Metairie, LA.

We’ll cover the Louisiana minimum coverage requirements, Louisiana car insurance laws, and Metairie, LA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Metairie, Louisiana companies to find the most affordable Metairie car insurance rates.

Enter your ZIP code above to find cheap Metairie, LA car insurance quotes today.

What are the minimum Metairie, LA car insurance requirements?

To meet Louisiana minimum car insurance coverage requirements, Metairie, LA drivers need to carry at least 15/30/25 coverage.

Minimum Required Car Insurance Coverage in Metairie, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Metairie, LA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Metairie, LA you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Metairie, Louisiana

ZIP Code Average Annual Rates
70001 $6,584
70002 $6,642
70003 $6,622
70005 $6,595
70006 $6,619

How do age, gender, and marital status affect Metairie, LA car insurance rates?

Three of the criteria that most affect car insurance rates in Metairie, Louisiana are age, gender, and marital status. Let’s take a look at how each of these stack up with top Metairie car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Metairie, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,350 $4,350 $4,493 $4,493 $9,448 $11,875 $4,796 $5,194
GEICO $4,177 $4,815 $5,041 $6,243 $15,416 $16,117 $4,013 $3,841
Progressive $6,318 $5,930 $5,283 $5,699 $23,679 $26,349 $7,174 $7,201
State Farm $3,423 $3,423 $3,153 $3,153 $9,749 $12,222 $3,822 $4,270
USAA $3,142 $3,085 $3,086 $3,049 $9,749 $11,399 $3,871 $4,242

How much do teen drivers pay for car insurance in Metairie, LA?

Metairie, Louisiana car insurance rates for teens are often higher than rates for other drivers. Compare Metairie car insurance rates from multiple Metairie, Louisiana car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Metairie, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,448 $11,875
GEICO $15,416 $16,117
Progressive $23,679 $26,349
State Farm $9,749 $12,222
USAA $9,749 $11,399

How much do senior drivers pay for car insurance in Metairie, LA?

With a little research, seniors can find affordable car insurance in Metairie, Louisiana. Here’s a look at how the top Metairie car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Metairie, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,493 $4,493
GEICO $5,041 $6,243
Progressive $5,283 $5,699
State Farm $3,153 $3,153
USAA $3,086 $3,049

How does coverage level affect Metairie, LA car insurance rates?

How much coverage do you need? Are you comfortable with the Louisiana minimum of 15/30/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Metairie, LA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Metairie, Louisiana

Insurance Company Low Medium High
Allstate $5,284 $6,241 $6,849
GEICO $5,969 $7,484 $8,921
Progressive $8,858 $10,848 $13,157
State Farm $4,630 $5,389 $6,186
USAA $4,463 $5,287 $5,858

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How does your driving record affect Metairie, LA car insurance rates?

Safe driving pays off. The more traffic violations you have in Metairie, LA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Metairie, Louisiana companies.

Annual Metairie, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,834 $7,380 $6,594 $5,692
GEICO $5,057 $8,163 $10,119 $6,493
Progressive $9,150 $12,154 $11,802 $10,710
State Farm $4,947 $5,856 $5,402 $5,402
USAA $3,954 $5,535 $6,588 $4,734

How does a DUI affect Metairie, LA car insurance rates?

With even one DUI on your record, you can see an increase in your Metairie, LA car insurance rates.

Annual Car Insurance Rates After a DUI in Metairie, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,594
GEICO $10,119
Progressive $11,802
State Farm $5,402
USAA $6,588

How does your credit history affect Metairie, LA car insurance rates?

Take a look at the data here to see how your Metairie, Louisiana car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Metairie, Louisiana

Insurance Company Poor Fair Good
Allstate $8,024 $5,522 $4,828
GEICO $8,876 $7,699 $5,798
Progressive $12,453 $10,591 $9,818
State Farm $7,494 $4,820 $3,892
USAA $7,166 $4,598 $3,844

How does your commute affect Metairie, LA car insurance rates?

Metairie, LA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Louisiana can be seen here. Remember, though, that you may have to carry substantially more car insurance in Metairie if you’re financing.

Annual Car Insurance Rates by Commute Length in Metairie, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,125 $6,125
GEICO $7,303 $7,613
Progressive $10,954 $10,954
State Farm $5,256 $5,548
USAA $5,042 $5,364

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Who has the cheapest Metairie, LA car insurance rates?

Here’s a breakdown of Metairie, Louisiana car insurance rates by company. You can see which company offers the cheapest Metairie car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Metairie, Louisiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Metairie, LA car insurance companies?

Which Metairie, Louisiana car insurance company will best fit your needs and budget? Check out this comparison of the top Metairie companies to find the one for you.

Average Annual Car Insurance Rates by Company in Metairie, Louisiana

Insurance Company Average Annual Rates
Allstate $6,125
GEICO $7,458
Progressive $10,954
State Farm $5,402
USAA $5,203

What factors affect Metairie, LA car insurance rates?

Why are Metairie, Louisiana car insurance rates different than rates in New Orleans or Alexandria? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Metairie, LA?

More time spent behind the wheel can lead to higher Metairie, Louisiana car insurance rates. In Metairie, LA, the average commute length is 21.4 minutes.

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Car Insurance Quotes for Metairie, LA

Shop for affordable Metairie, Louisiana car insurance rates today. Enter your ZIP code to compare quotes from multiple Metairie, LA car insurance companies.

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