Car Insurance in Kenner, Louisiana
Estimated full coverage in Kenner runs about $2,575 a year ($215/month) — ▲ +17% versus the Louisiana average, ranking 1st most expensive of the 9 Louisiana cities we cover.
Why car insurance in Kenner costs more than the Louisiana average
Insurers price by territory, and Kenner's numbers explain most of the gap. With 64,650 residents on 14.9 square miles, the city's density (4,342 people per square mile) is 17.9 times the density where the typical Louisiana resident lives (243). The average commute is 25.3 minutes (Louisiana: 25.7), and 78% of workers drive alone. Together these put our location factor at 1.17× the state baseline for liability and collision, and 1.18× for comprehensive once FEMA weather risk for Jefferson Parish is included.
| Factor | Kenner | Louisiana ref. | Why it matters |
|---|---|---|---|
| Population density | 4,342 / sq mi | 243 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.3 min | 25.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.3% | — | Transit use lowers how much residents drive. |
| Work from home | 4.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 87.3 | 84.4 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Kenner
Rates can change from one ZIP code to the next. Across 2 Kenner ZIP codes, our full-coverage estimate ranges from $2,470 in 70062 to $2,630 in 70065. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 70065 | 48,936 | 6,080 | 25.9 min | 6.7% | $2,630 | +2% |
| 70062 | 17,771 | 2,520 | 23.5 min | 12.9% | $2,470 | −4% |
Minimum car insurance in Kenner
Kenner drivers follow Louisiana's rules: at least 15/30/25 liability coverage. Louisiana is at-fault (tort). We estimate state-minimum coverage in Kenner at $925 a year, and $1,490 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $15,000 per person / $30,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Louisiana does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included unless the insured rejects it, selects lower limits or chooses economic-only coverage on the state-prescribed form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of Louisiana's uninsured/underinsured motorist coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Under the "No Pay, No Play" law, uninsured drivers cannot collect the first $15,000 of injury damages or the first $25,000 of property damage, regardless of fault.
Risk factors that shape Kenner premiums
Accidents
Louisiana recorded 752 traffic deaths, or 1.36 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Louisiana's vehicle theft rate is 182 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Jefferson Parish as relatively high for hail, relatively high for inland flooding and relatively moderate for strong wind, and very high for hurricanes.
Traffic & commuting
6.6% of Kenner commuters spend an hour or more getting to work, and there are 1.69 vehicles per household. 4.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 96.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 72.2 | Comprehensive; dwelling | |
| Hurricane | 99.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 95.6 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 63.5 | Comprehensive; dwelling | |
| Winter weather | 85.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Kenner by driver profile
A clean-record driver in their 50s pays the least in our Kenner model (about $2,370 for full coverage); an 18-year-old on their own policy pays about $7,080, and a DUI pushes a 30-something to $4,765.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,540 | $4,095 | $7,080 | $590 |
| Young adult (22) | $1,480 | $2,380 | $4,120 | $343 |
| Adult in their 30s | $925 | $1,490 | $2,575 | $215 |
| Adult in their 50s | $850 | $1,370 | $2,370 | $198 |
| Senior (72) | $1,035 | $1,665 | $2,885 | $240 |
| 30s, one at-fault accident | $1,340 | $2,160 | $3,735 | $311 |
| 30s, DUI on record | $1,710 | $2,755 | $4,765 | $397 |
Minimum vs. standard vs. full coverage in Kenner
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $925 | $77 | $760–$1,090 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,490 | $124 | $1,220–$1,755 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,575 | $215 | $2,110–$3,040 |
Estimate your premium in Kenner
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Cheap car insurance in Kenner: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Kenner's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $150 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $180 | You're among the 4.7% of Kenner workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $595 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,085 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $565 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Kenner
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 23 offices listed below.
- Check complaint records with the Louisiana Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Kenner, our estimates differ by up to $160 a year between neighborhoods.
Car insurance agents near Kenner, LA
We found 23 insurance offices within about 3 miles of central Kenner, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Sharon Green - State Farm
909 W Esplanade Avenue, Suite 111, Kenner, LA 70065 -
Tim Buckley - Allstate
705 W Esplanade Ave, Ste B, Kenner, LA 70065 -
Shawn Coffey - Allstate
3316 Florida Ave, Kenner, LA 70065 -
State Farm
LA -
Gabisa
LA -
CADA Insurance
LA -
GoAuto
LA -
Allstate
LA -
The General
2309 Veterans Memorial Boulevard, , LA -
Freeway Insurance
2309 Veterans Memorial Blvd, Kenner, LA 70062 -
State Farm
LA -
Allstate
LA -
Freeway Insurance
4041 Williams Blvd, Kenner, LA 70065 -
USAgencies
LA -
Jay Venable - Allstate
8811 Veterans Memorial Blvd, Metairie, LA 70003 -
Progressive
LA -
State Farm
913 Williams Boulevard, Kenner, LA 70062 -
Pontchartrain Insurance
LA -
State Farm
2628 David Drive, Metairie, LA 70003 -
State Farm
LA -
Susan Geoghegan - State Farm
6601 Veterans Memorial Blvd, Suite 17, Metairie, LA 70003 -
Cambias Insurance Agency
6601 Vetrns Meml Blvd, Ste 4, Metairie, LA 70003 -
Allstate
LA
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Kenner
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,950 | −24% |
| Subaru Outback | Wagon | $1,930 | −25% |
| Tesla Model 3 | Midsize car | $2,675 | +4% |
| Subaru Forester | Small SUV | $1,885 | −27% |
| Honda Civic | Compact car | $2,940 | +14% |
| Toyota Corolla | Compact car | $2,765 | +7% |
| Jeep Wrangler | Midsize SUV | $2,215 | −14% |
| Mazda CX-5 | Small SUV | $2,185 | −15% |
| MINI Cooper | Subcompact car | $1,960 | −24% |
| Tesla Model Y | Midsize SUV | $2,410 | −6% |
Car insurance in nearby Louisiana cities
- New Orleans $2,410/yr · 12 mi
- Houma $2,345/yr · 40 mi
- Baton Rouge $2,405/yr · 60 mi
- Lafayette $2,345/yr · 107 mi
- Lake Charles $2,265/yr · 177 mi
- Monroe $2,280/yr · 204 mi
- Bossier City $2,260/yr · 269 mi
- Shreveport $2,300/yr · 269 mi
All Louisiana cities and state rules · Homeowners insurance in Kenner
Frequently asked questions
How much is car insurance in Kenner, LA?
We estimate full coverage in Kenner at about $2,575 a year ($215 a month) for a driver in their 30s with a clean record, and about $925 for Louisiana's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Kenner more expensive than the Louisiana average?
Our Kenner estimate is 17% higher than the statewide figure. The model reflects a population density of 4,342 people per square mile (the typical Louisiana resident lives at about 243) and an average commute of 25.3 minutes versus 25.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Kenner?
Drivers in Kenner follow Louisiana law: at least 15/30/25 liability coverage.
Which ZIP code in Kenner has the cheapest car insurance?
Among Kenner's 2 ZIP codes, 70062 has the lowest estimate (about $2,470 a year for full coverage) and 70065 the highest (about $2,630), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Kenner?
An 18-year-old with their own full-coverage policy would pay around $7,080 a year in Kenner by our estimate ($2,540 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Kenner?
Yes. FEMA's National Risk Index rates Jefferson Parish for hail (relatively high), hurricane (very high), and inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Kenner?
We list 23 insurance offices in and around Kenner, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Louisiana Department of Insurance: Consumer's Guide to Auto Insurance
- La. R.S. 22:1295 (uninsured motorist coverage)
- Louisiana OMV: Suspensions (SR-22)
- Louisiana Department of Insurance: Consumer Complaint Form
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Kenner and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places