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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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 $216, and Lake Charles drivers pay an average of $213. Compare quotes to find affordable insurance that meets your coverage needs.
Quick Facts
The average cost of car insurance in Lake Charles is $148 per month for liability coverage and $277 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
$119
$72
Cheap rates
USAA
9.4
$99
$91
Military members and families
National General
6.8
$187
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 28,000 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.
$71/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.
$117/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
…
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.
$90/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.
$147/mo
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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.
$106/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.
$214/mo
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.
Very good. I have had no problems and will most likely keep my insurance with them.
…
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.
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Liability rates start at $71/mo.
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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 $148 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$71
USAA
$90
National General
$106
Allstate
$116
GEICO
$116
Direct Auto
$117
Progressive
$138
Clearcover
$159
The General
$163
Liberty Mutual
$183
Bristol West
$230
Midvale Home & Auto
$234
Root
$277
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 $277 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
$117
USAA
$147
Allstate
$190
GEICO
$191
National General
$214
Direct Auto
$223
Progressive
$226
Clearcover
$261
Liberty Mutual
$276
The General
$311
Midvale Home & Auto
$319
Root
$422
Bristol West
$427
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.
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 $148 to $223 with even a single speeding ticket on your driving record.
Find Cheap Car Insurance in Lake Charles
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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 $223 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm
$71
$94
USAA
$90
$120
National General
$106
$142
Allstate
$116
$155
GEICO
$116
$155
Direct Auto
$117
$157
Progressive
$138
$185
Clearcover
$159
$215
The General
$163
$221
Liberty Mutual
$183
$268
Bristol West
$230
$306
Midvale Home & Auto
$234
$324
Root
$277
$394
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
State Farm
$71
$99
USAA
$90
$126
National General
$106
$150
Allstate
$116
$163
GEICO
$116
$163
Direct Auto
$117
$168
Progressive
$138
$197
Clearcover
$159
$238
The General
$163
$233
Liberty Mutual
$183
$279
Bristol West
$230
$319
Midvale Home & Auto
$234
$347
Root
$277
$412
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
State Farm
$71
$122
USAA
$90
$155
National General
$106
$183
Allstate
$116
$200
GEICO
$116
$200
Direct Auto
$117
$201
Progressive
$138
$238
Clearcover
$159
$274
The General
$163
$281
Liberty Mutual
$183
$315
Bristol West
$230
$396
Midvale Home & Auto
$234
$403
Root
$277
$477
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$88
$54
USAA
$114
$70
GEICO
$148
$90
Allstate
$149
$91
Progressive
$157
$96
National General
$162
$80
Direct Auto
$168
$88
Clearcover
$204
$124
Liberty Mutual
$216
$143
Midvale Home & Auto
$238
$174
The General
$247
$129
Bristol West
$332
$179
Root
$339
$222
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
State Farm
$209
$127
USAA
$257
$158
GEICO
$318
$193
Allstate
$350
$214
Direct Auto
$426
$223
Progressive
$427
$261
National General
$431
$214
Clearcover
$529
$322
The General
$529
$277
Liberty Mutual
$531
$352
Midvale Home & Auto
$578
$424
Root
$681
$447
Bristol West
$764
$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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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 $213 per month, while the overall national average is $160 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 $277 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 $148 per month for liability coverage and $277 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 $71, $90, and $106 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.
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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