Harvey sits on US 90 Business, where DOTD closure notices send drivers to the elevated expressway or LA 18 (4th Street) when the Harvey Tunnel shuts. Louisiana averages $236 a month for full coverage. This page sets out what the state requires and what coverage costs.
Louisiana averages about $236 a month for full coverage and $99 for the state minimum, roughly 90 percent above the national full-coverage average. Louisiana requires 15/30/25 liability. MoneyGeek publishes no city figure for Harvey, so the state figures are the reference.
GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and considers drivers with a range of records. Down-payment and payment options vary by state and situation. Here’s how they work:
Louisiana averages about $236 a month for full coverage, roughly 90 percent above the national average, and requires 15/30/25 liability coverage. MoneyGeek breaks out ten Louisiana cities and Harvey is not among them, so this page uses the state figures.
Harvey is a West Bank community in Jefferson Parish, across the Mississippi River from New Orleans, with residential neighborhoods, shopping centers and a GoAuto office on Manhattan Boulevard.
Louisiana requires liability coverage of at least 15/30/25, set by Louisiana Revised Statutes 32:900.
| Coverage | Louisiana minimum |
|---|---|
| Bodily injury liability, per person | $15,000 |
| Bodily injury liability, per accident | $30,000 |
| Property damage liability | $25,000 |
All of it is liability: it pays for injury and damage you cause to other people and nothing toward your own vehicle. Harvey adds no separate city requirement.
Driving uninsured in Louisiana also limits what you can recover after a crash. Under Louisiana Revised Statutes 32:866, as amended in 2025, an owner or operator without the required coverage cannot recover the first $100,000 of bodily injury damages or the first $100,000 of property damage, with exceptions set out in the statute, including when the other driver is convicted of DWI over the crash, causes it intentionally, or flees the scene.
For the full state breakdown, see our Louisiana car insurance page.
Sources: Louisiana Revised Statutes 32:900; Louisiana Revised Statutes 32:866.
MoneyGeek publishes no city-level figure for Harvey. Louisiana averages about $236 a month for full coverage and $99 for state-minimum liability.
| Coverage level | Louisiana | National |
|---|---|---|
| State-minimum liability | $99 / mo$1,187 / yr | $60 / mo$726 / yr |
| Full coverage | $236 / mo$2,827 / yr | $124 / mo$1,493 / yr |
Source: MoneyGeek, Average Cost of Car Insurance in Louisiana for 2026, page updated 26 August 2026. Market averages across all carriers, not GoAuto rates.
Bayou Segnette State Park, Boomtown Casino New Orleans, the Oakwood Center and the Gretna Historic District are all a short drive away, and most of those trips use US 90 Business.
The Harvey Tunnel is on US 90 Business. When DOTD closes it, as it did on 29 and 30 May 2025 for road work and overnight on 7 May 2026 for lighting work, the posted alternates are the elevated expressway and 4th Street (LA 18), which puts the same traffic on fewer routes.
Sources: Louisiana DOTD, Harvey Tunnel closure notice, 7 May 2026; Louisiana DOTD, Harvey Tunnel closure notice, May 2025.
GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and quotes what applies to your state, record and vehicle. When you compare any quotes in Harvey, these steps keep the comparison fair:
Uninsured share: Insurance Information Institute, Facts and Statistics: Uninsured Motorists (Insurance Research Council, 2023 data).
GoAuto Insurance writes auto coverage across its licensed states, including Louisiana, and considers drivers with a range of records, including tickets, accidents, DUIs, and coverage lapses. GoAuto focuses on state-minimum liability coverage, the lowest coverage level the law allows, and can handle SR-22 filing once your policy is active. Down-payment and payment options vary by state and situation. Eligibility, coverage, filing timelines, and pricing depend on your state and your individual circumstances, so the best way to see what applies to you is to get a quote. You can also call 833-700-0000 or visit the Harvey office listed above.
Rates in Harvey vary with your driving history, vehicle, age, ZIP code and the coverage you choose, and each company weighs those factors differently. No single company is lowest for every driver, so the useful comparison is identical limits and deductibles quoted side by side. GoAuto focuses on state-minimum liability coverage, and the way to see what applies to you is to get a quote.
Not reliably. National and regional companies rate drivers differently, so neither group is consistently lower in Harvey. Compare quotes at the same limits and deductibles, and the difference you see is a difference in rating rather than in coverage.
Start by matching the policy to what you actually need: check the limits, and whether a lender requires collision and comprehensive. Keeping a clean driving record, keeping coverage continuous, choosing deductibles you could pay, and asking about available discounts can all affect the price. Results depend on your state, record and vehicle.
MoneyGeek publishes no city-level figure for Harvey. MoneyGeek’s 2026 Louisiana analysis breaks out ten Louisiana cities and Harvey is not among them, so the reference is the Louisiana average: about $236 a month for full coverage and $99 for state-minimum liability. These are market averages across all carriers, not GoAuto rates.
Louisiana requires 15/30/25 liability coverage: $15,000 for bodily injury to one person, $30,000 per accident, and $25,000 for property damage. Louisiana Revised Statutes 32:900 sets those limits.
Yes. GoAuto’s Harvey office is at 1801 Manhattan Blvd Suite S, Harvey, LA 70058, phone (504) 254-3000, open Monday to Friday 8:30 AM to 5:30 PM and Saturday 10:00 AM to 2:00 PM.
Get the best coverage options in Harvey by connecting with a dedicated agent, finding a sales office near you, or receiving your free online quote today!
Last updated: October 2026. The information on this page is general educational content drawn from public industry sources. Specific rate impacts vary by state, by carrier, by individual driving history, and by the rate factors filed and approved with each state Department of Insurance. The figures on this page are third-party market averages, not GoAuto rates or rating factors. For an accurate quote, contact GoAuto directly.