Affordable Car Insurance Rates in Lake Charles, LA (2021)
Car insurance rates in Lake Charles, LA are $474/month on average. By law, Louisiana drivers need to carry at least 15/30/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Lake Charles car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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 |
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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.
| 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.
| 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.
| 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.
| 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.
| 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 |
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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.
| 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.
| 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.
| 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.
| 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 |
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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.
| 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.
| 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.
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Lake Charles, LA Car Insurance Quotes
Compare Lake Charles, LA car insurance quotes from multiple companies by entering your ZIP code now.