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Cheap Auto Insurance Quotes in Lake Charles, LA (June 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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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.
Car Insurance in Lake Charles, 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 Lake Charles, LA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Lake Charles is $295 per month, or $3540 annually.
- Car insurance in Lake Charles is $20 more than the average cost of car insurance in Louisiana.
- The cheapest car insurance provider in Lake Charles on average is National General, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$198
State Farm$198
American Family$506
Cheapest Car Insurance in Lake Charles, LA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Lake Charles | Quotes |
|---|---|
| Progressive | $198 /mo |
| State Farm | $198 /mo |
| American Family | $506 /mo |
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Best Car Insurance in Lake Charles, LA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Lake Charles. For the complete list, see Insurify's best car insurance companies.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $187 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Louisiana Cities | |
|---|---|
| New Orleans | $418/mo |
| Baton Rouge | $240/mo |
| Shreveport | $263/mo |
| Metairie | $321/mo |
| Lake Charles | $301/mo |
| Louisiana | $309/mo |
Baton Rouge$240
Shreveport$263
Lake Charles$301
Average for LA$309
Metairie$321
New Orleans$418
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Louisiana
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 be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Louisiana are:
- $15,000 per person for bodily injury
- $30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Lake Charles Car Insurance Rates by Driver Age
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 |
Lake Charles Car Insurance Rates by Driving and Accident History
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.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $229 |
| Speeding Ticket | $231 |
| At-Fault Accident | $457 |
| Failure to Stop for Red Light / Stop Sign | $210 |
Lake Charles Car Insurance Rates by Credit Tier
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 Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $222 |
| Good | $303 |
| Average | $308 |
| Poor | $229 |
See More: Bad Credit Car Insurance Louisiana
Find local Lake Charles agents
Insurance Unlimited of LA
3111 Ryan Street,
Lake Charles, LA 70601People First Insurance Family
1611 Gerstner Memorial Dr.,
Lake Charles, LA 70601Lyons Insurance
3100 Lake St,
Lake Charles, LA 70601FGLP Equity Partners dba Demarie Insurance
807 W. McNeese Street,
Lake Charles, LA 70605Louisiana Companies
1628 Ryan St,
Lake Charles, LA 70601-5949Handley-Traske Insurance Group
1808 Kirkman Street,
Lake Charles, LA 70607Advanced Protection Insurance Agency
1435 Sam Houston Jones Pkwy Suite B,
Lake Charles, LA 70611First Federal Insurance Services, LLC
1135 Lakeshore Drive,
Lake Charles, LA 70601BXS Insurance
4660 Lake St,
Lake Charles, LA 70605-5416McElveen Insurance, LLC
700 W Prien Lake Rd,
Lake Charles, LA 70601-8318
Lake Charles, LA DMV Information
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.
Public Transportation in Lake Charles, LA
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.
How to get the best and cheapest car insurance in Lake Charles, LA
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!
FAQs - Lake Charles, LA Car Insurance
While it is a legal requirement to purchase auto coverage in Lake Charles, many people choose not to. Louisiana as a whole has a lot of uninsured motorists on the road, making it even more important for you to purchase robust auto protection. The state is known as one of the most expensive when it comes to auto coverage due to the number of accidents and the plethora of uninsured drivers. Your individual rates will be based on your driving history and possibly even your credit score as well. Driving in Lake Charles doesn’t have to be expensive. Insurify can help you to save money on your car insurance bill. After answering a few questions, you can compare rates and enroll in the best policy for your needs.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Lake Charles Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lake Charles, Louisiana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lake Charles drivers measure up to their fellow motorists across Louisiana in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Lake Charles
#10
City with the Most Speeding Tickets Rank in Louisiana
#17
City with the Most Moving Violations Rank in Louisiana
#7
City with the Most DUIs Rank in Louisiana
#38
City with the Most Suspended Licenses in Louisiana
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. Lake Charles drivers rank 6 in the number of car accidents per driver across all cities in Louisiana.
- Rank within state: #6
- Percent of drivers in Lake Charles with an accident: 11.07%
- Drivers in Lake Charles, LA with an accident in their driving history pay on average 47.94% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Louisiana, Lake Charles drivers rank 10 in the number of speeding infractions per driver.
- Rank within state: #10
- Percent of drivers in Lake Charles with a speeding ticket: 6.74%
- Drivers in Lake Charles, LA with a speeding ticket in their driving history pay on average 6.37% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lake Charles drivers rank 7 in the number of DUI’s per driver across all cities in Louisiana.
- Rank within state: #7
- Percent of drivers in Lake Charles with a DUI: 1.4%
- Drivers in Lake Charles, LA with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lake Charles is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Louisiana, Lake Charles drivers rank 5 in rude driving infractions.
- Rank within state: #5
- Percent of drivers in Lake Charles with a reckless driving violation: 1.4%
- Drivers in Lake Charles, LA with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lake Charles drivers rank 6 in clean driving records across all cities in Louisiana.
- Rank within state: #6
- Percent of drivers in Lake Charles with clean record: 82.19%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lake Charles drivers rank 7 in failure to yield violations per driver across all cities in Louisiana.
- Rank within state: #7
- Percent of drivers in Lake Charles with a failure to yield violation: 0.13%
- Drivers in Lake Charles, LA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Louisiana, Lake Charles drivers rank 4 in the number of reckless driving offenses per driver.
- Rank within state: #4
- Percent of drivers in Lake Charles with a reckless driving offense: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.