6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Cheapest recent rates near Lake Charles, Louisiana
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $82/mo for full coverage in Lake Charles and other Louisiana cities.
*Quotes generated for Insurify users in and around Lake Charles, Louisiana within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lake Charles, Louisiana within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Nestled along the lake it’s named for, and just 30 miles from the Gulf of Mexico, Lake Charles is a haven for anyone who loves water activities. But all that water can cause a great deal of damage to vehicles and homes when a storm arrives, which could be one reason why Lake Charles drivers pay slightly similar rates to what the rest of the state pays for car insurance.
The overall average monthly cost of auto insurance in Louisiana is $181, and Lake Charles drivers pay an average of $186. Compare quotes to find affordable insurance that meets your coverage needs.
Quick Facts
The average cost of car insurance in Lake Charles is $127 per month for liability coverage and $245 per month for full coverage.
Calcasieu parish, where Lake Charles is located, had a comparatively high number of fatal accidents in 2022 when weighed against other parishes in the state.[1]
Louisiana drivers have the third-highest car insurance costs in the country, according to Insurify data.
3 of the cheapest car insurance companies in Lake Charles
While some insurers offer cheaper rates than others, the best auto insurance company for you is the one that provides you with the coverage you need for a price you can afford. Compare rates, discounts, and coverage limits as you shop.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
State Farm
9.3
$109
$62
Cheap rates
USAA
9.4
$82
$78
Military members and families
National General
6.8
$186
N/A
Drivers with a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$64/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
4.2
Best choiceBased on 9,467 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,215)
Casel
January 28, 2025
Verified Review
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
Jennifer
January 28, 2025
Verified Review
Increased Payment
Increased payment.
Roland
January 27, 2025
Verified Review
Paying Too Much for Minimal Personal Vehicle Use
The prices are too high for seniors. I have a 2016 Chevy Colorado with only 37,000 miles on it. I use my work truck more than my personal one, and I feel I'm paying too much. If you can negotiate a cheaper price, I will stay. If not, I will look for a better company with a cheaper policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
You’ll find some of the cheapest liability auto rates in Lake Charles from State Farm, along with several available discount programs to reduce your bill even more. State Farm also has decent customer satisfaction ratings with J.D. Power and a strong financial rating from AM Best.
Pros
Savings of up to 20% possible through insuring multiple vehicles
Ranked above average in J.D. Power’s 2023 U.S. Auto Claims Satisfaction study
Rideshare insurance available
Cons
Low rating on Trustpilot
Can’t purchase a policy online
Gap insurance not available
Best insurer for military members and families: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$141/mo
4.9
Best choiceBased on 1,678 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (964)
John
January 27, 2025
Verified Review
45 Years with the Same Insurance
Everything is good, except no one really knows you.
Dennis
January 27, 2025
Verified Review
Auto Insurance Rates Out of Control
Everything is excellent, except for the price.
David
January 24, 2025
Verified Review
USAA's Value Has Fallen Greatly
It's not as good as it should be. The service, products, and concern for the customer have fallen under the current management.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA has affordable auto rates, a good variety of coverage options, and plenty of discounts for service members. It’s the best insurer for military members and their families, as it’s only available to them.
Pros
Fewer complaints than average, according to the National Association of Insurance Commissioners (NAIC)
Ranked above average in J.D. Power’s 2023 U.S. Auto Claims Satisfaction study
Rideshare gap protection coverage available
Cons
Coverage not available to everyone
Not the cheapest auto insurer in Lake Charles
Limited customer service support hours
Best insurer for drivers with a DUI: National General
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$100/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$195/mo
3.3
A solid optionBased on 420 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (216)
Rebecca
January 25, 2025
Verified Review
Great customer support
The app is very easy to use and the customer support is very helpful.
Larry
January 13, 2025
Verified Review
All in all, good insurance! Rates always increase at renewal!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
National General is one of the best insurers for drivers with DUIs, and it offers various discounts. This insurer specializes in high-risk car insurance, making it a solid option if other insurers deny you coverage.
Pros
Easy SR-22 filings
Lifetime auto repair guarantee
Variety of available coverages and discounts
Cons
Not as many bundling options as other insurers
Not the cheapest insurer in Lake Charles
Gap insurance not available
How to get the cheapest car insurance in Lake Charles
You have a variety of ways to find cheap auto insurance rates in Lake Charles, Louisiana. But remember that there’s a difference between cheap and affordable insurance. A cheap policy might not provide the extent of coverage you need, while an affordable policy should.
Stick with liability-only insurance. Especially if you have an older car, liability-only coverage allows you to maintain only the legally required minimum insurance for the lowest rate possible.
Seek out discounts. Most insurers offer at least a few discounts to policyholders. Many are designed for regular drivers, such as accident-free discounts, while others are family-oriented, like good student discounts.
Comparison shop.Compare quotes from multiple insurers before renewing your policy each year. This will help you identify the insurer that can give you the coverage you need for the cheapest rate in Lake Charles.
Shop for Lake Charles Car Insurance Today
Liability rates start at $64/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lake Charles: State Farm
Most states, including Louisiana, require all drivers to carry a minimum amount of liability insurance, which is designed to pay for damages you cause to people or property in a car accident. Liability-only policies tend to be cheaper than full-coverage policies because of their minimal coverages.
In Lake Charles, drivers pay an average of $127 per month for liability coverage. Here are some of the cheapest liability car insurance companies in the city.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$64
USAA
$80
National General
$100
Allstate
$104
GEICO
$105
Direct Auto
$113
Root
$117
Progressive
$124
Clearcover
$165
The General
$181
Liberty Mutual
$191
Bristol West
$216
Safeco
$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lake Charles: State Farm
Full-coverage car insurance differs from liability insurance in that it protects you and your vehicle from injuries or damages, whether you’re at fault or not. Though there’s no exact definition, full-coverage policies tend to include comprehensive and collision insurance along with liability insurance.
Collision coverage pays for damages such as you hitting a pole or curb, while comprehensive coverage pays for things like environmental, animal, and vandalism damage.[2] Drivers who want thorough protection against unexpected incidents would benefit from full-coverage car insurance.
In Lake Charles, drivers pay an average of $245 per month for full coverage. Here are some of the cheapest full-coverage car insurance companies in the city.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$112
USAA
$141
Allstate
$182
GEICO
$183
National General
$195
Root
$201
Direct Auto
$208
Progressive
$217
Clearcover
$265
Liberty Mutual
$282
Safeco
$283
The General
$366
Bristol West
$436
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lake Charles, Louisiana
Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $82/mo for full coverage in Lake Charles and other Louisiana cities.
*Quotes generated for Insurify users in and around Lake Charles, Louisiana within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lake Charles, Louisiana within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Louisiana
Louisiana state law requires all drivers to carry a minimum amount of liability insurance, as shown in the table below.
Although uninsured/underinsured motorist (UIM) and economic-only coverage are optional, Louisiana’s “No-Pay, No-Play” law allows you to waive your right to make a pain-and-suffering legal claim for those holding economic-only UIM coverage. The law also prohibits an uninsured motorist from collecting certain amounts for property damage and personal injury regardless of driver fault.[3]
Cheapest car insurance for drivers with an incident
Along with at-fault accidents, incidents like speeding tickets, moving violations, and driving under the influence (DUI) convictions can raise your rates. These incidents demonstrate an increased risk of being in an accident, and, thus, needing to file a claim. Insurers charge more to drivers with these infractions on their records to account for the increased risk.
For example, speed is a factor in many car accidents. Insurify’s proprietary data shows that the average monthly price of a liability-only policy increases anywhere from $127 to $184 with even a single speeding ticket on your driving record.
Find Cheap Car Insurance in Lake Charles
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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Although speeding doesn’t always result in an accident, speeding tickets can raise your rates since speed is a contributing factor in many collisions. Louisiana uses both red-light and speed cameras, so you can be ticketed for speeding without even being stopped by a police officer.
Just one speeding ticket can raise your auto rates. Lake Charles drivers pay $184 per month, on average, for liability coverage after a speeding ticket. Here are cheap auto insurers in the city for drivers with a ticket.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$64
$84
USAA
$80
$106
National General
$100
$133
Allstate
$104
$137
GEICO
$105
$139
Direct Auto
$113
$150
Root
$117
$167
Progressive
$124
$163
Clearcover
$165
$219
The General
$181
$245
Liberty Mutual
$191
$270
Bristol West
$216
$288
Safeco
$248
$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Some at-fault accidents might seem unavoidable, but an at-fault accident for any reason will likely raise your car insurance rate.[4] Some insurers may offer accident forgiveness programs that don’t raise your rates initially or allow your rate to drop over time, but you should drive as responsibly as possible to avoid collisions.
Rates may increase by a small or large percentage, depending on your insurer. See how rates compare in the table below for drivers with a clean record versus drivers with an accident.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$64
$88
USAA
$80
$111
National General
$100
$138
Allstate
$104
$144
GEICO
$105
$146
Direct Auto
$113
$161
Root
$117
$174
Progressive
$124
$174
Clearcover
$165
$246
The General
$181
$257
Liberty Mutual
$191
$282
Bristol West
$216
$300
Safeco
$248
$345
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
DUIs will substantially increase your auto premium. You’ll also likely lose your driver’s license for a period of time, and your auto insurer may even decide not to renew your policy.
“Getting a DUI in a country or parish that is ‘dry’ is not a rating factor,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. No matter where you get a DUI, you’ll likely face severe consequences. The table below highlights just how expensive rates can be for drivers with a DUI.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$64
$107
USAA
$80
$134
National General
$100
$167
Allstate
$104
$174
GEICO
$105
$176
Direct Auto
$113
$189
Root
$117
$178
Progressive
$124
$208
Clearcover
$165
$276
The General
$181
$303
Liberty Mutual
$191
$320
Bristol West
$216
$362
Safeco
$248
$390
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Despite being long-time policyholders or having clean driving records, senior drivers often see rates increase in their mid-70s. Rates decrease around age 35 but rise in older adults because age-related health impairments cause drivers to have a higher likelihood of getting into an accident than middle-aged drivers.
Below, you’ll see average monthly rates from various insurers for senior drivers in Lake Charles.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$84
$48
USAA
$109
$62
GEICO
$141
$81
Allstate
$142
$81
National General
$144
$74
Progressive
$152
$87
Direct Auto
$157
$85
Root
$166
$96
Clearcover
$224
$140
Liberty Mutual
$229
$155
Safeco
$237
$207
The General
$286
$141
Bristol West
$339
$168
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Unfortunately, teenagers typically pay the most for car insurance of any age group, since they have such little driving experience. Insurers see them as high-risk and charge them more expensive rates because of it.
Teens can get cheaper car insurance through discount programs, such as good student discounts and defensive driving courses. To limit the opportunities for traffic accidents or moving violations, the Insurance Institute for Highway Safety (IIHS) recommends young teens engage in graduated licensing programs to reduce their risk.[5]
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$218
$125
USAA
$269
$152
GEICO
$335
$192
Root
$343
$200
Allstate
$367
$210
Direct Auto
$427
$232
National General
$427
$219
Progressive
$427
$244
Clearcover
$533
$332
Liberty Mutual
$542
$367
Safeco
$597
$523
The General
$661
$327
Bristol West
$829
$411
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Lake Charles
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Based on 3,806+ reviews
4.8/5
Lake Charles car insurance quotes by credit tier
The state of Louisiana currently allows insurers to consider your credit history when determining policy premiums. Insurers factor your credit score into an insurance score to assess your risk potential based on your credit history.[6] In many cases, excellent or good credit scores can lead to a lower rate, while poor credit scores might increase your rate.
Keep in mind that credit scores are just one of many factors influencing a credit-based insurance score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lake Charles?
The average cost of car insurance in Lake Charles is more expensive than the national average. The average policy in Lake Charles costs $186 per month, while the overall national average is $152 per month. Lake Charles' average rates are similar to the state average rates.
Larger cities like New Orleans and Baton Rouge are typically more expensive than Lake Charles. But remember that many factors, including rate of car crashes per mile and auto vehicle thefts, can affect car insurance rates in different cities.
Full-coverage policies in Lake Charles cost an average of $245 per month. Larger cities, including Baton Rouge and New Orleans, exceed Lake Charles’ average.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lake Charles car insurance FAQs
Finding the best car insurance can be complicated. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Lake Charles.
How much is car insurance in Lake Charles?
The average cost of car insurance in Lake Charles is $127 per month for liability coverage and $245 per month for full coverage.
Who has the cheapest car insurance in Lake Charles?
State Farm, USAA, and National General are the cheapest liability insurers in Lake Charles, with rates as low as $64, $80, and $100 per month, respectively.
What are the best car insurance companies in Lake Charles?
State Farm is the best car insurance company in Lake Charles, with a high IQ Score, affordable rates and an AM Best financial strength rating of A++ (Superior). Other top insurers include Allstate and USAA.
What is the no-pay, no-play law in Louisiana?
Louisiana’s “No-Pay, No-Play” law allows you to waive your right to make a pain-and-suffering legal claim for those holding economic-only UIM coverage. The law also prohibits uninsured motorists from collecting certain amounts for property damage and personal injury regardless of which driver was at fault.[3]
Can you get insurance without a license in Louisiana?
Yes. You can get car insurance without a license in Louisiana, but you’ll need to exclude yourself as a driver on the policy and list another person as the primary driver.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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