One of the more important components that are used to help calculate auto insurance rates is where you keep your vehicle in New Orleans. More densely populated places tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.
The next table sorts the highest-priced areas in Louisiana for police officers to purchase car insurance in. New Orleans ranks #1 with an annual rate of $2,856 for the average insured, which is about $238 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | New Orleans | $2,856 |
| 2 | Harvey | $2,589 |
| 3 | Marrero | $2,569 |
| 4 | Terrytown | $2,480 |
| 5 | Metairie | $2,232 |
| 6 | Baton Rouge | $2,209 |
| 7 | Shenandoah | $2,183 |
| 8 | Kenner | $2,159 |
| 9 | Central | $2,135 |
| 10 | Hammond | $2,107 |
| 11 | Prairieville | $2,105 |
| 12 | Laplace | $2,051 |
| 13 | Alexandria | $2,034 |
| 14 | Lafayette | $1,976 |
| 15 | Slidell | $1,957 |
| 16 | Lake Charles | $1,934 |
| 17 | Monroe | $1,911 |
| 18 | Sulphur | $1,896 |
| 19 | New Iberia | $1,871 |
| 20 | Houma | $1,846 |
| 21 | Shreveport | $1,838 |
| 22 | Natchitoches | $1,781 |
| 23 | Bayou Cane | $1,764 |
| 24 | Bossier City | $1,727 |
| 25 | Ruston | $1,652 |
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Rates are comparative as the specific New Orleans residence address can lower or raise auto insurance rates considerably.
Finding out which companies quote the lowest-priced insurance rates for police officers requires more work in order to find the best price.
Every auto insurer has their own formula to set policy rates, so we’ll take a look at the most affordable insurance companies in New Orleans. It’s important that you understand New Orleans, LA insurance rates are based on many factors which can substantially change the price you have to pay. Simply having a birthday, getting married, or getting a DUI can cause premium changes that can cause some rates to be much cheaper than others.
Best Insurance Companies for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,642 |
| 2 | MetLife | $1,836 |
| 3 | GEICO | $1,887 |
| 4 | Progressive | $1,927 |
| 5 | Southern Farm Bureau | $2,181 |
| 6 | Safeway | $2,198 |
| 7 | California Casualty | $2,315 |
| 8 | State Farm | $2,431 |
| 9 | Safe Auto | $2,627 |
| 10 | Allstate | $3,035 |
| 11 | Encompass | $3,170 |
| 12 | Liberty Mutual | $3,756 |
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USAA may offer some of the best car insurance rates in New Orleans at around $1,642 annually. MetLife, GEICO, Progressive, and Southern Farm Bureau would also be considered some of the cheaper New Orleans, LA auto insurance companies.
As the rates illustrate above, if you currently have coverage with Progressive and switched to USAA, you might realize savings of in the vicinity of $285. Drivers with Southern Farm Bureau could save as much as $539 a year, and Safeway insureds might realize rate reductions of up to $556 a year.
Understand that those policy rates are averaged for all drivers and vehicles in Louisiana and are not factoring in an exact location for police officers. So the auto insurance company that has the cheapest price for you may not even be in the list above. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.
The car, truck, or SUV needing coverage is probably the largest consideration that determines whether or not you find low-cost auto insurance for police officers. Vehicles with average performance, excellent safety ratings, or low incidents of liability claims will cost much less to insure than high performance models.
The next list shows insurance costs for the more affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,347 |
| Ford Escape Limited 2WD | $2,724 |
| Toyota RAV4 Sport 2WD | $2,786 |
| Jeep Grand Cherokee Laredo 2WD | $2,795 |
| Dodge Grand Caravan Hero | $2,786 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $2,824 |
| Toyota Prius | $2,862 |
| Ford Explorer XLT 2WD | $2,883 |
| Toyota Camry SE | $2,934 |
| Ford Edge Limited AWD | $2,942 |
| Hyundai Elantra SE 4-Dr Sedan | $2,934 |
| Ford Fusion Sport 4-Dr Sedan | $2,986 |
| Chevrolet Equinox LS AWD | $3,048 |
| GMC Sierra Denali Crew Cab 2WD | $3,187 |
| Toyota Camry Hybrid | $3,193 |
| Toyota Tacoma Double Cab 4WD | $3,204 |
| Ford F-150 Lariat Crew Cab 2WD | $3,214 |
| Honda Odyssey EX-L W/Navigation | $3,218 |
| Dodge Ram Crew Cab Sport 2WD | $3,239 |
| Chevrolet Malibu LTZ | $3,277 |
| Volkswagen Jetta SEL 4-Dr Sedan | $3,283 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $3,277 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $3,285 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rates do not factor in vehicle location which can revise coverage rates considerably.
Based upon the table data, you can presume that cars like the Honda CR-V, Ford Escape, Toyota RAV4, Jeep Grand Cherokee, and Dodge Grand Caravan are most likely to be some of the cheapest vehicles to insure for law enforcement personnel.
How accidents and violations affect rates
The best way to score the cheapest insurance prices for law enforcement personnel is to be an attentive driver and avoid tickets and accidents. The information below shows how speeding tickets and at-fault collisions drive up annual premium costs for each different age group. The information is based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in New Orleans per year with no accidents or violations is $2,281. Add in one speeding ticket and the average cost hikes up to $2,651, an increase of $370 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for police officers jumps again to an average of $5,674. That’s an increase of $3,393, or $283 per month, just for not paying attention while driving!
Get discount New Orleans car insurance rates
Insurers that offer coverage for police officers may also offer rate discounts that could potentially reduce rates by 25% or more if you qualify for them. Larger insurance companies and a selection of discounts can be read below.
- Progressive may include discounts for multi-vehicle, online signing, online quote discount, homeowner, good student, continuous coverage, and multi-policy.
- SAFECO may offer discounts for anti-theft, drive less, teen safe driver, anti-lock brakes, bundle discounts, and multi-car.
- American Family offers discounts including Steer into Savings, air bags, defensive driver, early bird, and good driver.
- MetLife discounts include good student, multi-policy, good driver, accident-free, and claim-free.
- GEICO has discounts for air bags, driver training, anti-theft, multi-vehicle, membership and employees, and daytime running lights.
- The Hartford policyholders can earn discounts including defensive driver, good student, air bag, anti-theft, and bundle.
The example below shows the comparison of auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, marriage, defensive driving course, multiple policy, claim-free, and accident-free discounts applied. When these discounts are applied, theaverage amount saved on insurance for police officers is 28% or $544.
Best insurance in Louisiana
Picking the top car insurance company can be difficult considering how many companies sell coverage in Louisiana. The company rank data shown next could help you select which auto insurance companies you want to consider when comparing auto insurance rates for police officers. The ratings below are for the companies with a significant amount of written premium nationwide, so companies that may only write in Louisiana will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
The importance of shopping around
New Orleans, LA insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Improving your credit rating, moving to a new city, or getting into an accident may prompt premium changes that may make certain companies cheaper than before.
Not only may things change on your end, but auto insurance companies modify rates without warning in order to remain profitable. Significantly higher losses can result in higher prices, while lower claim expenses may result in cheaper New Orleans car insurance rates.
The data below demonstrates which company has the cheapest car insurance in New Orleans, LA for a 40-year-old male driver with no violations or accidents, and a high credit rating. If we estimate rates based on his current situation, USAA might quote the lowest car insurance rates in New Orleans at $2,727 annually. This is $313 more than the average price paid by Louisiana drivers of $2,414. MetLife, Progressive, GEICO, and Safeway are also included in the cheapest New Orleans, LA auto insurance companies.
Now we will give the driver from above an accident claim, a lower credit rating, and a speeding ticket. Since each company has a different formula to establish rates, comparing quotes may now show a completely different list of affordable New Orleans car insurance companies as shown below.
California Casualty now has the best car insurance rate in New Orleans with State Farm, MetLife, USAA, and Safe Auto now being in the top five. This illustrates why New Orleans drivers need to compare lots of rates when trying to get the most affordable auto insurance quotes for police officers.
Rates are determined by many factors and change dramatically, so the best option the last time you shopped around may now be an over-priced policy.
The New Orleans car insurance agencies listed below can most likely help you make a decision which policy is best, as some drivers aren’t sure which coverage they need and prefer to have professional advice when shopping for the best coverage for law enforcement personnel. It’s not always simple to find the cheapest auto insurance company, and getting advice from a licensed agent can give comfort knowing your policy gives you adequate asset protection.
To find an agent closest to you, click the link after the list.
Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202 – New Orleans, LA 70124 – (504) 486-7441
Alan Jackson – State Farm Insurance Agent
7045 Read Blvd Ste 108 – New Orleans, LA 70127 – (504) 241-6799
Hartwig Moss Insurance Agency
2626 Canal St #3 – New Orleans, LA 70119 – (504) 525-9901
Allstate Insurance: Aaron Gable
2073 Caton St – New Orleans, LA 70122 – (504) 283-0034