Buy Cheap Lake Charles, LA Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • 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.

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