Cheap Auto Insurance Quotes in Metairie, LA (2023)

Some errands can be completed on foot in Metairie, but most residents rely on their cars to get to work, commuting an average of about 21 minutes to get there. Having a comprehensive car insurance policy is essential to staying safe and legal on the road in Metairie.

Car Insurance in Metairie, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Metairie, LA to find you the cheapest quotes in the area.

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• Cheap Car Insurance Louisiana

• Compare Car Insurance

Cheapest Car Insurance in Metairie, LA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Metairie, LA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Metairie. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Louisiana

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Louisiana^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Metairie Car Insurance Rates by Driver Age

In Metairie, all but the most affluent teenagers will have a tough time paying $797 per month for car insurance, a price that could be a rent payment in much of the country. As driving experience increases in the Pelican State, prices decrease. Twentysomethings see an immediate $400 reduction in price. The rest of the ages, except people in their 40s, get their monthly premiums below the state average of $333. Those in their 70s get the best deal and pay less than a third of what the youngest drivers do.

Metairie Car Insurance Rates by Driving and Accident History

Drivers in Metairie recognize that safe driving is also smart driving. The insurance companies agree and give “good driver” and “accident-free” discounts to those with clean records. Running a red light or stop sign carries a hefty price of $526 per month, an increase of over $250 per month, or $3,000 per year. But there is light at the end of the tunnel because, after three years, tickets and accidents stop affecting insurance rates.

See More:

• High-risk Car Insurance Louisiana

• DUI Car Insurance Louisiana

Metairie Car Insurance Rates by Credit Tier

Louisianans are puzzled at just how credit affects their ability to drive. But the state allows insurance companies to factor in credit history when setting rates. They argue that the data shows a correlation between the two things. If so, why do those with excellent credit pay $18 more than those with good credit? Those with better credit may finance costlier vehicles and need higher coverage levels to protect their assets. Either way, going from poor or average credit to good credit can save drivers over $100 per month.

See More: Bad Credit Car Insurance Louisiana

Find local Metairie agents

Metairie, LA DMV Information

While there are no Office of Motor Vehicle outposts in Metairie, residents can visit offices in the surrounding Jefferson Parish. There are offices in Harvey, Jennings, Kenner, and Westwego.

Public Transportation in Metairie, LA

While Jefferson Transit runs buses through portions of Metairie, fewer than 1 percent of residents use the system as their main mode of transportation. In Metairie, 81% of residents drive alone to work and an additional 11 percent carpool. Households have an average of two cars, so most families will need a car insurance policy that will cover both of their vehicles. Uber and Lyft operate in Metairie, and there are a few options for taxi services as well, so it’s possible to get around if your car is out of commission.

For more detailed Louisiana city level guides, check out these below.

• Average Cost of Car Insurance Rates in Louisiana

• DUI Car Insurance Rates in Louisiana

• High-Risk Driver Car Insurance Rates in Louisiana

• Louisiana Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Louisiana

• SR-22 Insurance in Louisiana

How to get the best and cheapest car insurance in Metairie, LA

You’ll need at least $15,000 per person and $30,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage to drive legally in Metairie, and you can expect steep fines if you’re caught without proof of insurance. If you have a loan or lease your car, you may need full coverage.

And even if you own your car outright, you may want a comprehensive policy with uninsured motorist coverage since an estimated 13 percent of drivers in Louisiana do not carry insurance. To ensure you get the coverage you need at a price you can afford, use Insurify to compare premiums across insurance providers.

FAQs - Metairie, LA Car Insurance