Cheap Auto Insurance Quotes in Hammond, LA (2021)

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Car Insurance in Hammond, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hammond, LA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
AllstateState FarmProgressiveAmerican Family
Monthly $

Cheapest Car Insurance in Hammond, LA

Here are the cheapest carriers in Hammond for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
LouisianaNew OrleansBaton RougeShreveportMetairieHammond
Monthly $

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Hammond, LA Driving Facts


Minimum Car Insurance Requirements in LA

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Though coverage options vary between insurance companies, some are not optional. The minimum liability car insurance requirements for private passenger vehicles in Louisiana are as follows:

  • $15,000 per person/$30,000 per accident for Bodily Injury (BI)

Bodily injury liablity coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Louisiana state law are $15,000 for the death or injury of a single victim as a result of a car accident and $30,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 15/30, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Louisiana law.

  • $25,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Louisiana is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Find local Hammond agents

CCS Brokers, LLC
200 Pine Crest Drive, Hammond, LA 70401
Guerin Agency, Inc.
104 SW Railroad Ave., Hammond, LA 70404
Stiel Insurance Northshore, Inc.
118 S.W. Railroad Ave., Hammond, LA 70403
Cypress Insurance
1250 S.W. Railroad Avenue, Suite 110-B, Hammond, LA 70403
Emery & James, Ltd.
300 East Morris Avenue, Hammond, LA 70403-4263
Courtney Insurance Services, LLC
1216 South Morrison Blvd., Suite 2, Hammond, LA 70403
Advanced Insurance Solutions
1006A W Morris Ave, Hammond, LA 70403-3906
Gendusa Insurance Agency, Inc
804 Roma Ave, Hammond, LA 70403
Dave Millet Insurance Agency of Hammond
902 C M Fagan Dr, Hammond, LA 70403
Louisiana Insurance & Financial Services
900 W Morris Ave, Hammond, LA 70403

Insurify Insights: How Hammond Drivers Measure Up

Ford Focus
Most Popular Car in
Hammond, LA
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hammond drivers measure up to their fellow Louisiana motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Hammond

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hammond drivers rank 11 in the number of car accidents per driver across all cities in Louisiana.

  • Rank within state: #11
  • Percent of drivers in Hammond with an accident: 9.07%
  • Drivers in Hammond, LA with an accident in their driving history paid on average 13.36% more than drivers with a clean record

Speeding Hammond

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Hammond drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Hammond with a speeding ticket: 8.5%
  • Drivers in Hammond, LA with a speeding ticket in their driving history paid on average 8.3% more than drivers with a clean record

DUI/DWIs Hammond

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hammond drivers rank 12 in the number of DUI’s per driver across all cities in Louisiana.

  • Rank within state: #12
  • Percent of drivers in Hammond with a DUI: 0.85%
  • Drivers in Hammond, LA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Hammond

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hammond is the Ford Focus.

Hybrid/Electric Vehicle Ownership Hammond

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hammond drivers rank 2 in hybrid and electric vehicle ownership across all cities in Louisiana.

  • Rank within state: #2
  • Percent of drivers in Hammond with a hybrid/electric vehicle: 0.88%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.