Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • The annual number of car thefts in Lake Charles is 294.
  • Average car insurance rates in Lake Charles, LA for senior drivers are $3,507/year
  • Average car insurance rates in Lake Charles, LA are $474/month

Average car insurance rates in Lake Charles, Louisiana are $474 a month. But with a little research you can get a great deal from the top car insurance companies in Lake Charles, LA. Before you buy Lake Charles, Louisiana car insurance, make sure your coverage meets or exceeds the Louisiana minimum of 15/30/25.

It may even be helpful to compare Lake Charles car insurance rates with Shreveport car insurance rates, Baton Rouge car insurance rates, or Houma car insurance rates to make sure you’re getting the best Lake Charles, LA car insurance quotes available.

Need affordable Lake Charles, LA car insurance? Enter your ZIP code to compare Lake Charles car insurance quotes from multiple car insurance companies near you.

Lake Charles, LA Minimum Car Insurance Coverage

Lake Charles, Louisiana law requires drivers carry a minimum of 15/30/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lake Charles, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lake Charles, LA Car Insurance Rates by Coverage Level

Some Lake Charles drivers can get by with the Louisiana minimum coverage of 15/30/25. Other drivers may need more. See how much your Lake Charles, Louisiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lake Charles, Louisiana

Insurance Company Low Medium High
Allstate $5,116 $5,957 $6,498
GEICO $5,016 $6,015 $6,937
Progressive $6,226 $7,434 $8,836
State Farm $3,971 $4,572 $5,198
USAA $3,894 $4,555 $5,007

Lake Charles, LA Car Insurance Rates by Age, Gender, and Marital Status

Lake Charles, Louisiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lake Charles, LA car insurance, get quotes from multiple car insurance companies in the Lake Charles area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Charles, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,124 $4,124 $4,262 $4,262 $9,093 $11,487 $4,560 $4,943
GEICO $3,342 $3,840 $3,988 $4,837 $12,425 $13,127 $3,226 $3,131
Progressive $4,121 $3,831 $3,462 $3,742 $16,744 $18,591 $4,704 $4,795
State Farm $2,787 $2,787 $2,566 $2,566 $8,556 $10,737 $3,123 $3,521
USAA $2,764 $2,715 $2,708 $2,677 $8,278 $9,686 $3,373 $3,680

Lake Charles, LA Car Insurance Rates for Teens

How much is Lake Charles, Louisiana car insurance for teens? Compare rates from top Lake Charles car insurance companies below to help find the cheapest teen car insurance in Lake Charles, LA.

Annual Car Insurance Rates for Teen Drivers in Lake Charles, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,093 $11,487
GEICO $12,425 $13,127
Progressive $16,744 $18,591
State Farm $8,556 $10,737
USAA $8,278 $9,686

Lake Charles, LA Car Insurance Rates for Seniors

Before seniors buy Lake Charles, Louisiana car insurance, they should make sure to shop around. Some Lake Charles, LA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lake Charles, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,262 $4,262
GEICO $3,988 $4,837
Progressive $3,462 $3,742
State Farm $2,566 $2,566
USAA $2,708 $2,677

Lake Charles, LA Car Insurance Rates by Credit History

How does your credit history affect Lake Charles, LA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lake Charles, Louisiana

Insurance Company Poor Fair Good
Allstate $7,674 $5,292 $4,604
GEICO $7,125 $6,183 $4,661
Progressive $8,452 $7,270 $6,774
State Farm $6,382 $4,079 $3,279
USAA $6,189 $3,959 $3,307

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lake Charles, LA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lake Charles, Louisiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lake Charles.

Annual Lake Charles, Louisiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,638 $7,061 $6,290 $5,440
GEICO $4,064 $6,583 $8,091 $5,221
Progressive $6,239 $8,409 $8,051 $7,296
State Farm $4,181 $4,980 $4,580 $4,580
USAA $3,423 $4,752 $5,677 $4,089

Lake Charles, LA Car Insurance Rates With a DUI

Even a single DUI can increase your Lake Charles, LA car insurance rates. Compare rates below to see which Lake Charles car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lake Charles, Louisiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,290
GEICO $8,091
Progressive $8,051
State Farm $4,580
USAA $5,677

Lake Charles, LA Car Insurance Rates by ZIP Code

Just like Lake Charles car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lake Charles, LA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lake Charles, Louisiana

ZIP Code Average Annual Rates
70601 $5,533
70605 $5,347
70607 $5,227
70609 $5,292
70611 $5,171
70615 $5,416
70629 $5,292

Lake Charles, LA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lake Charles, LA car insurance rates may be. Let’s take a look at average car insurance rates from top Lake Charles companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lake Charles, Louisiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,857 $5,857
GEICO $5,878 $6,101
Progressive $7,499 $7,499
State Farm $4,461 $4,700
USAA $4,347 $4,623

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lake Charles, LA Cheapest Car Insurance Rates

How do the top Lake Charles, Louisiana car insurance companies’ average rates stack up against the Lake Charles average monthly car insurance rates of $474? Take a look and see.

Best Annual Car Insurance Rates by Company in Lake Charles, Louisiana

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Lake Charles, LA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lake Charles, Louisiana car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lake Charles, Louisiana

Insurance Company Average Annual Rates
Allstate $5,857
GEICO $5,990
Progressive $7,499
State Farm $4,580
USAA $4,485

Other Factors Affecting Lake Charles, LA Car Insurance Rates

Before you buy Lake Charles, Louisiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lake Charles, LA Car Theft Rates

The car theft rate in Lake Charles, LA will affect your car insurance rates. FBI data shows that the annual car theft rate for Lake Charles, Louisiana is 294 stolen cars.

Lake Charles, LA Commute Time

How does your Lake Charles, LA commute time compare with the average driver? In Lake Charles, the average commute is 17.2 minutes.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Lake Charles, LA Car Insurance Quotes

Compare Lake Charles, LA car insurance quotes from multiple companies by entering your ZIP code now.