Buy Cheap Houma, LA Auto Insurance in 2024
Houma, LA auto insurance rates average $440 a month. Minimum auto insurance requirements in Houma, Louisiana are 15/30/25 to comply with Louisiana laws. To buy cheap auto insurance in Houma, LA, compare Houma auto insurance quotes from top companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Houma after a DUI is Progressive
- Average auto insurance rates in Houma, LA after a DUI are $6,062/year
- The most expensive auto insurance company in Houma is Progressive
Finding affordable Houma, Louisiana auto insurance can be challenging, but everything you need to know to buy cheap Houma, LA auto insurance with confidence is right here. Auto insurance rates in Houma are affected by local factors as well as personal ones like your driving record.
See how Houma, LA car insurance rates compare to Bossier City auto insurance rates, Houma auto insurance rates, and Monroe auto insurance rates before you read more about the cost of auto insurance in Houma.
Don’t buy Houma, LA auto insurance until you’ve compared rates. Get free Houma, Louisiana auto insurance quotes when you enter your ZIP code above.
Houma, LA Minimum Auto Insurance Requirements
The required auto insurance in Houma, LA is 15/30/25 according to the auto insurance laws in Louisiana. The minimum auto insurance in Houma, Louisiana is outlined here.
Minimum Required Auto Insurance Coverage in Houma, Louisiana
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Houma, LA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Houma, LA. Take a look at Houma, Louisiana auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Houma, Louisiana
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,806 | $4,701 | $4,113 |
| Geico | $6,263 | $5,437 | $4,101 |
| Progressive | $8,126 | $6,988 | $6,507 |
| State Farm | $6,324 | $4,132 | $3,371 |
| USAA | $5,681 | $3,664 | $3,071 |
Buy Cheap Houma, LA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Houma, Louisiana auto insurance rates? Find out how car insurance rates in Houma, LA are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Houma, Louisiana
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,691 | $3,691 | $3,827 | $3,827 | $8,037 | $10,105 | $4,071 | $4,404 |
| Geico | $2,940 | $3,392 | $3,555 | $4,362 | $10,905 | $11,433 | $2,834 | $2,714 |
| Progressive | $3,991 | $3,704 | $3,353 | $3,637 | $16,057 | $17,808 | $4,531 | $4,575 |
| State Farm | $2,900 | $2,900 | $2,693 | $2,693 | $8,397 | $10,483 | $3,220 | $3,590 |
| USAA | $2,530 | $2,484 | $2,495 | $2,462 | $7,699 | $8,971 | $3,091 | $3,375 |
Buy Cheap Houma, LA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Houma can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Houma, LA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Houma, Louisiana
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,037 | $10,105 |
| Geico | $10,905 | $11,433 |
| Progressive | $16,057 | $17,808 |
| State Farm | $8,397 | $10,483 |
| USAA | $7,699 | $8,971 |
Buy Cheap Houma, LA Auto Insurance for Seniors
You can save on senior auto insurance rates in Houma, Louisiana by comparing Houma senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Houma, LA here.
Annual Auto Insurance Rates for Senior Drivers in Houma, Louisiana
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,827 | $3,827 |
| Geico | $3,555 | $4,362 |
| Progressive | $3,353 | $3,637 |
| State Farm | $2,693 | $2,693 |
| USAA | $2,495 | $2,462 |
Find Cheap Auto Insurance Rates in Houma, LA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Houma, Louisiana auto insurance. Compare Houma, LA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Houma, Louisiana
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,478 | $5,305 | $5,837 |
| Geico | $4,288 | $5,288 | $6,225 |
| Progressive | $5,866 | $7,139 | $8,616 |
| State Farm | $3,890 | $4,592 | $5,345 |
| USAA | $3,522 | $4,210 | $4,683 |
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Find Cheap Houma, LA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Houma. Compare auto insurance rates in Houma, LA by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Houma, Louisiana
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,207 | $5,207 |
| Geico | $5,166 | $5,368 |
| Progressive | $7,207 | $7,207 |
| State Farm | $4,494 | $4,724 |
| USAA | $4,010 | $4,267 |
Find Cheap Houma, LA Auto Insurance Rates by ZIP Code
Auto insurance rates in Houma, Louisiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Houma, LA to see how much where you live in Houma affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Houma, Louisiana
| ZIP Code | Average Annual Rates |
|---|---|
| 70363 | $4,963 |
| 70364 | $4,789 |
Find Cheap Houma, LA Auto Insurance Rates by Driving Record
Auto insurance rates in Houma, Louisiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Houma, LA, take a look at the average cost for various violations versus rates for a clean driving record in Houma.
Annual Houma, Louisiana Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,115 | $6,278 | $5,599 | $4,834 |
| Geico | $3,567 | $5,783 | $7,148 | $4,571 |
| Progressive | $5,999 | $8,074 | $7,743 | $7,013 |
| State Farm | $4,228 | $4,990 | $4,609 | $4,609 |
| USAA | $3,160 | $4,406 | $5,211 | $3,776 |
Find Cheap Houma, LA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Houma, Louisiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Houma for less when you shop around and compare rates from multiple Houma, LA auto insurance companies.
Annual Auto Insurance Rates After a DUI in Houma, Louisiana
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,599 |
| Geico | $7,148 |
| Progressive | $7,743 |
| State Farm | $4,609 |
| USAA | $5,211 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Houma, LA
Compare rates from the cheapest auto insurance companies in Houma, LA for your needs. Take a look at how Houma, Louisiana auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Houma, Louisiana
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Houma, Louisiana Auto Insurance Companies
If you’re looking for the cheapest Houma, LA auto insurance companies overall, you can compare them here. Find the best price for Houma, Louisiana car insurance by company.
Average Annual Auto Insurance Rates by Company in Houma, Louisiana
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,207 |
| Geico | $5,267 |
| Progressive | $7,207 |
| State Farm | $4,609 |
| USAA | $4,139 |
What affects Houma, Louisiana auto insurance rates?
Local factors affect auto insurance rates in Houma, LA, including traffic, theft statistics, and commute length. Take a look at the things that impact Houma auto insurance rates.
Auto Theft in Houma
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Houma, LA auto theft show a total of 86 vehicle thefts annually.
Commute Times in Houma
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Houma, LA is 23.1 minutes according to City-Data.
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Compare Auto Insurance Quotes in Houma, LA
You can buy cheap Houma, LA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Houma, Louisiana auto insurance quotes from top companies.
Frequently Asked Questions
Can I really find cheap auto insurance in Houma, LA in 2023?
Yes, it is possible to find affordable auto insurance in Houma, LA in 2023. However, the cost of insurance depends on various factors, including your driving record, age, type of vehicle, coverage needs, and the insurance company you choose.
What steps can I take to find cheap auto insurance in Houma, LA?
Here are some steps you can take to find affordable auto insurance in Houma, LA:
- Compare quotes from multiple insurance companies to find the best rates.
- Maintain a clean driving record to qualify for lower premiums.
- Consider raising your deductibles to lower your premium costs.
- Inquire about available discounts, such as multi-policy, good student, or safe driver discounts.
Are there any downsides to buying cheap auto insurance in Houma, LA?
While cheap auto insurance can save you money in the short term, it’s important to consider the potential downsides:
- Limited coverage options: Cheap insurance may provide minimal coverage, leaving you vulnerable to higher out-of-pocket expenses in case of accidents or damage.
- Higher deductibles: Low-cost insurance policies often come with higher deductibles, meaning you’ll have to pay more out of pocket before insurance coverage kicks in.
- Less reputable insurers: Some companies offering cheap insurance might have poor customer service or a history of denying claims.
What are the advantages of buying cheap auto insurance in Houma, LA?
There are several advantages to purchasing affordable auto insurance in Houma, LA:
- Cost savings: Cheap insurance can help you save money on premiums, especially if you have a limited budget.
- Legal compliance: By having auto insurance, you meet the legal requirement to drive in Houma, LA.
- Peace of mind: Even with minimal coverage, having insurance can provide a sense of security and protect you financially in case of an accident.
Should I prioritize price over coverage when buying auto insurance?
It’s essential to strike a balance between price and coverage when purchasing auto insurance. While affordability is important, it’s equally crucial to ensure that your insurance policy adequately covers your needs. Assess your risk tolerance, financial situation, and specific coverage requirements to make an informed decision.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.