Buy Cheap Lake Charles, LA Auto Insurance in 2024
Lake Charles, LA auto insurance rates average $474 a month. Minimum auto insurance requirements in Lake Charles, Louisiana are 15/30/25 to comply with Louisiana laws. To buy cheap auto insurance in Lake Charles, LA, compare Lake Charles auto insurance quotes from top companies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Dec 16, 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: Dec 16, 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
- Average auto insurance rates in Lake Charles, LA after a DUI are $6,538/year
- Average auto insurance rates in Lake Charles, LA are $474/month
- Average auto insurance rates in Lake Charles, LA for teens drivers are $11,019/year
Finding affordable Lake Charles, Louisiana auto insurance can be challenging, but everything you need to know to buy cheap Lake Charles, LA auto insurance with confidence is right here. Auto insurance rates in Lake Charles are affected by local factors as well as personal ones like your driving record.
See how Lake Charles, LA car insurance rates compare to Lake Charles auto insurance rates, Houma auto insurance rates, and Bossier City auto insurance rates before you read more about the cost of auto insurance in Lake Charles.
Don’t buy Lake Charles, LA auto insurance until you’ve compared rates. Get free Lake Charles, Louisiana auto insurance quotes when you enter your ZIP code above.
Lake Charles, LA Minimum Auto Insurance Requirements
The required auto insurance in Lake Charles, LA is 15/30/25 according to the auto insurance laws in Louisiana. The minimum auto insurance in Lake Charles, Louisiana is outlined here.
Minimum Required Auto Insurance Coverage in Lake Charles, 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 Lake Charles, LA Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Lake Charles, LA. Take a look at Lake Charles, Louisiana auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Lake Charles, Louisiana
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,674 | $5,292 | $4,604 |
| Geico | $7,125 | $6,183 | $4,661 |
| Progressive | $8,452 | $7,270 | $6,774 |
| State Farm | $6,382 | $4,079 | $3,279 |
| USAA | $6,189 | $3,959 | $3,307 |
Buy Cheap Lake Charles, LA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Lake Charles, Louisiana auto insurance rates? Find out how car insurance rates in Lake Charles, LA are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lake Charles, 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 | $4,124 | $4,124 | $4,262 | $4,262 | $9,093 | $11,487 | $4,560 | $4,943 |
| Geico | $3,342 | $3,840 | $3,988 | $4,837 | $12,425 | $13,127 | $3,226 | $3,131 |
| Progressive | $4,121 | $3,831 | $3,462 | $3,742 | $16,744 | $18,591 | $4,704 | $4,795 |
| State Farm | $2,787 | $2,787 | $2,566 | $2,566 | $8,556 | $10,737 | $3,123 | $3,521 |
| USAA | $2,764 | $2,715 | $2,708 | $2,677 | $8,278 | $9,686 | $3,373 | $3,680 |
Buy Cheap Lake Charles, LA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Lake Charles can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lake Charles, LA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Lake Charles, Louisiana
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,093 | $11,487 |
| Geico | $12,425 | $13,127 |
| Progressive | $16,744 | $18,591 |
| State Farm | $8,556 | $10,737 |
| USAA | $8,278 | $9,686 |
Buy Cheap Lake Charles, LA Auto Insurance for Seniors
You can save on senior auto insurance rates in Lake Charles, Louisiana by comparing Lake Charles senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lake Charles, LA here.
Annual Auto Insurance Rates for Senior Drivers in Lake Charles, Louisiana
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,262 | $4,262 |
| Geico | $3,988 | $4,837 |
| Progressive | $3,462 | $3,742 |
| State Farm | $2,566 | $2,566 |
| USAA | $2,708 | $2,677 |
Find Cheap Auto Insurance Rates in Lake Charles, LA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Lake Charles, Louisiana auto insurance. Compare Lake Charles, LA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lake Charles, Louisiana
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,116 | $5,957 | $6,498 |
| Geico | $5,016 | $6,015 | $6,937 |
| Progressive | $6,226 | $7,434 | $8,836 |
| State Farm | $3,971 | $4,572 | $5,198 |
| USAA | $3,894 | $4,555 | $5,007 |
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Find Cheap Lake Charles, LA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Lake Charles. Compare auto insurance rates in Lake Charles, LA by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Lake Charles, Louisiana
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,857 | $5,857 |
| Geico | $5,878 | $6,101 |
| Progressive | $7,499 | $7,499 |
| State Farm | $4,461 | $4,700 |
| USAA | $4,347 | $4,623 |
Find Cheap Lake Charles, LA Auto Insurance Rates by ZIP Code
Auto insurance rates in Lake Charles, Louisiana can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lake Charles, LA to see how much where you live in Lake Charles affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Lake Charles, Louisiana
| ZIP Code | Average Annual Rates |
|---|---|
| 70601 | $5,533 |
| 70605 | $5,347 |
| 70607 | $5,227 |
| 70609 | $5,292 |
| 70611 | $5,171 |
| 70615 | $5,416 |
| 70629 | $5,292 |
Find Cheap Lake Charles, LA Auto Insurance Rates by Driving Record
Auto insurance rates in Lake Charles, Louisiana are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lake Charles, LA, take a look at the average cost for various violations versus rates for a clean driving record in Lake Charles.
Annual Lake Charles, Louisiana Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,638 | $7,061 | $6,290 | $5,440 |
| Geico | $4,064 | $6,583 | $8,091 | $5,221 |
| Progressive | $6,239 | $8,409 | $8,051 | $7,296 |
| State Farm | $4,181 | $4,980 | $4,580 | $4,580 |
| USAA | $3,423 | $4,752 | $5,677 | $4,089 |
Find Cheap Lake Charles, LA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Lake Charles, Louisiana is higher than for a clean driving record. You can buy auto insurance after a DUI in Lake Charles for less when you shop around and compare rates from multiple Lake Charles, LA auto insurance companies.
Annual Auto Insurance Rates After a DUI in Lake Charles, Louisiana
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,290 |
| Geico | $8,091 |
| Progressive | $8,051 |
| State Farm | $4,580 |
| USAA | $5,677 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Lake Charles, LA
Compare rates from the cheapest auto insurance companies in Lake Charles, LA for your needs. Take a look at how Lake Charles, Louisiana auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Lake Charles, Louisiana
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Lake Charles, Louisiana Auto Insurance Companies
If you’re looking for the cheapest Lake Charles, LA auto insurance companies overall, you can compare them here. Find the best price for Lake Charles, Louisiana car insurance by company.
Average Annual Auto Insurance Rates by Company in Lake Charles, Louisiana
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,857 |
| Geico | $5,990 |
| Progressive | $7,499 |
| State Farm | $4,580 |
| USAA | $4,485 |
What affects Lake Charles, Louisiana auto insurance rates?
Local factors affect auto insurance rates in Lake Charles, LA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lake Charles auto insurance rates.
Auto Theft in Lake Charles
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lake Charles, LA auto theft show a total of 294 vehicle thefts annually.
Commute Times in Lake Charles
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake Charles, LA is 17.2 minutes according to City-Data.
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Compare Auto Insurance Quotes in Lake Charles, LA
You can buy cheap Lake Charles, LA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lake Charles, Louisiana auto insurance quotes from top companies.
Frequently Asked Questions
Why is auto insurance important in Lake Charles, LA?
Auto insurance is important in Lake Charles, LA, as it provides financial protection in case of accidents, theft, or damage to your vehicle. It is also a legal requirement in Louisiana to have auto insurance to drive a vehicle.
How can I find cheap auto insurance in Lake Charles, LA?
To find cheap auto insurance in Lake Charles, LA, you can follow these five steps:
- Shop around and compare quotes from different insurance companies.
- Maintain a good driving record to qualify for lower premiums.
- Consider increasing your deductible, but ensure you can afford it in case of a claim.
- Bundle your auto insurance with other policies, such as homeowner’s insurance, for potential discounts.
- Inquire about available discounts, such as those for safe driving, vehicle safety features, or being a member of certain organizations.
What are the minimum auto insurance requirements in Lake Charles, LA?
In Lake Charles, LA, here are the three minimum auto insurance requirements include:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Are there any additional coverages I should consider besides the minimum requirements?
While the minimum requirements cover the basic liability, it is advisable to consider additional coverages for enhanced protection. Here are four of the additional coverage options include:
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Uninsured/underinsured motorist coverage
What factors can affect my auto insurance rates in Lake Charles, LA?
Several factors can influence your auto insurance rates in Lake Charles, LA. Here are the seven factors below:
- Your driving record and history of accidents or traffic violations.
- The type of vehicle you drive, including its make, model, and age.
- Your age, gender, and marital status.
- Your credit score.
- The coverage options and deductibles you choose.
- The annual mileage you drive.
- The area where you live and park your vehicle.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.