Metairie, LA Car Insurance
The average cost for car insurance in Metairie is about $218 a month. For information on policy rates, coverage, and more check out our guide below.
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Table of contents
How does Metairie stack up to the rest of the area, or even Louisiana as a whole? What rates can residents of Metairie expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:
How much is car insurance in Metairie?
Area | Average Monthly Car Insurance Premium |
|---|---|
| Metairie | $218 |
| LA | $184 |
| United States | $81 |
Coverage for your vehicle in Metairie will typically run you about $34 a month more than in the rest of Louisiana.
Drivers relocating the Metairie should take note of the differences in average rates. You can expect to pay about $137 more for your policy in Metairie.
Bear in mind that while these rates represent the expected monthly payments for residents of Metairie, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Metairie residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $336 |
| 25-34 | $204 |
| 35-44 | $190 |
| 45-54 | $154 |
| 55-64 | $141 |
| 65+ | $162 |
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Metairie.
Average Car Insurance Rates by Gender
Gender | Average |
|---|---|
| Male | $228 |
| Female | $200 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Metairie, where women pay around $28 less per month than men. As you can see in the table above, female drivers in the area typically pay $200 on average, while female drivers typically pay $228 each month.
Average Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $231 |
| Multiple Accidents | $395 |
| 1 Ticket | $253 |
| Multiple Tickets | $172 |
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Metairie with a single accident on their record will usually see rates around $231 a month. Similarly, drivers with one ticket will typically pay around $253 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
Category ▲▼ | Price ▲▼ |
|---|---|
| Car | 241 |
| SUV | 173 |
| Truck/Van | 196 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $335 |
| 2-3 Years | $209 |
| 4-5 Years | $209 |
| 6-7 Years | $233 |
| 8-10 Years | $202 |
| 11-14 Years | $220 |
| 15 Years or Older | $172 |
According to the first table above, the cheapest vehicles to insure in Metairie are usually SUVs, at $173 per month.
Car owners can expect to pay an average of around $241 a month for their policy, while truck and van drivers are usually around $196 to insure each month.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Metairie are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $236 |
| Married | $148 |
| Divorced | $121 |
On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Metairie is no exception, with the difference totaling to around $88 a month.
Average Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
|---|---|
| Own | $228 |
| Rent | $217 |
| Live with parents | $260 |
Another factor taken into consideration is your housing situation. Renters can expect to pay around $11 a month less than those who own their own home in Metairie. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Recent trends in car insurance for Metairie drivers
Category ▲▼ | Price ▲▼ |
|---|---|
| 2017 | 166 |
| 2018 | 178 |
| 2019 | 189 |
| 2020 | 201 |
| 2021 | 261 |
| 2022 | 151 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Metairie, auto insurance rates had been increasing steadily from 2017-2021. They finished down in 2022, at $151.
How does Metairie compare to neighboring areas?
Category ▲▼ | Price ▲▼ |
|---|---|
| NEW ORLEANS | 182 |
| SLIDELL | 181 |
| COVINGTON | 132 |
| KENNER | 156 |
| HOUMA | 158 |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Why are car insurance rates in Metairie different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
Community regulations
Off-street parking access
Frequency of car accidents
Number of drivers in the area
Regional crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Metairie?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Metairie.
Metairie Insurance FAQs
Why is the cost of car insurance in Metairie different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Metairie?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Metairie?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Metairie or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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