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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
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One of the more popular destinations in Louisiana, Lake Charles is home to a wealth of museums, art installments, and casinos. As if this didn’t create enough traffic, it sits on Interstate 10, a freeway that spans from California to Florida. Driving in Lake Charles is a true challenge, particularly during rush hour, so it’s smart to enroll in robust car insurance coverage, as accidents can happen here in the blink of an eye.
The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lake Charles, LA to find you the cheapest quotes in the area.
Here are the cheapest carriers in Lake Charles 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.
| Cheapest Companies | Quotes |
|---|---|
 Progressive | $198/mo |
 State Farm | $198/mo |
 American Family | $506/mo |
| Best Companies | Quotes | |
|---|---|---|
 Clearcover | $187/mo |
Louisiana Cities | |
|---|---|
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Lake Charles | $301/mo |
| Louisiana | $309/mo |
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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:
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:
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.
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.
Even hardworking teens will have a tough time coming up with $453 per month for car insurance in Lake Charles. Louisianans see their premiums go down as they get more years of experience behind the wheel. That’s why twentysomethings catch a $70 break over the youngest drivers. From that point, everyone 30 and older beats the state average of $333. Those in their 80s get the best deal, with a price that’s a third of what teen drivers shell out.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $453 |
| 20s | $378 |
| 30s | $232 |
| 40s | $210 |
| 50s | $218 |
| 60s | $244 |
| 70s | $175 |
| 80s | $151 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $229 |
| Speeding Ticket | $231 |
| At-Fault Accident | $457 |
| Failure to Stop for Red Light / Stop Sign | $210 |
In the Pelican State, safe driving wins in more ways than one. People enjoy the peace of mind that defensive driving provides, and insurance companies give their “good driver” and “accident-free” discounts to the most responsible folks on the road. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations strip down their policies and opt for liability only, skipping comprehensive and collision coverage. An at-fault accident almost doubles the rate, at $456. Luckily, after three years of careful driving, tickets and accidents stop affecting monthly costs.
What does the Mastercard in a driver’s wallet have to do with mastering the ability to operate a car? Louisiana, like most states, lets insurance companies use credit when setting rates. Naturally, people with better credit pay less. But in Lake Charles, those with poor credit have lower rates than those with average or good credit. The reason is that drivers with better credit can finance costlier cars and need more coverage to protect their assets. Either way, moving from average to excellent credit will save over $85 per month, or $1,000 per year.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $222 |
| Good | $303 |
| Average | $308 |
| Poor | $229 |
Lake Charles offers drivers two locations to complete their DMV business, but that doesn’t necessarily mean getting in and out is a breeze. With nearly 80,000 residents here, wait times might be long. The Louisiana Office of Motor Vehicles is situated to the east of town and is quite busy while the Express Office of Motor Vehicles Public Tag Agent is better equipped to handle quick tasks. No matter which location you visit, it’s advised that you eat a large breakfast and prepare to wait.
While some Lake Charles residents opt to go without a vehicle, plenty of others are in the area visiting and may not feel comfortable navigating these busy streets themselves. The city offers both a bus system and a trolley, which run regularly and serve many parts of the metropolitan area. If you’re out to visit the most popular tourist attractions, traveling on foot may be an option. Still, others prefer to rely on ridesharing options like Uber and Lyft.
Lake Charles has long been a populated area, and due to the multiple hurricanes that hit the city in 2020, navigating this part of the state has become even more challenging. It’s highly recommended that you purchase the auto coverage that offers you the most peace of mind while on the road, because you never know what could happen.
Rather than waste time comparing prices across dozens of websites, make shopping for car insurance easy with Insurify. You’ll be able to view real-time quotes as well as a variety of discounts suited just for you. Let Insurify take the guesswork out of shopping for car insurance today!
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Lake Charles stacks up for the state of Louisiana:
