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Cheapest car insurance in Lake Charles, Louisiana (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lake Charles, Louisiana.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Lake Charles

On average,
auto insurance
in Lake Charles costs about $115 per month for minimum coverage liability insurance, and about $224 per month for full coverage insurance. In Lake Charles drivers pay -- than the national average.  
Jerry is a trusted resource for countless drivers in Lake Charles seeking the
best car insurance quotes
. Let's explore some of the savings that Jerry has uncovered for our customers in Lake Charles.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$113
Amy, 44
Zip: 70615
Chevrolet Silverado C1500
• State Minimum Liability
Allstate
$144
Mayme, 27
Zip: 70607
BMW 328 i
• State Minimum Liability
• Comp / Collision
Bristol West
$233
Ruth, 38
Zip: 70605
Ford Mustang
• State Minimum Liability
Clearcover
$106
Belle, 66
Zip: 70601
Hyundai Elantra SE
• State Minimum Liability
coverageLast Updated Nov 4, 2024

Best Car Insurance Companies in Lake Charles

When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. 
Aside from the cost of insurance, you’ll also want to consider factors such as claims handling and customer service when choosing a provider. 
To narrow down the best car insurance options for Lake Charles drivers, Jerry conducted the largest insurance shopping survey in the nation. We asked over 15,000 policyholders from across the country to rate their insurance providers on cost, customer service, ease of shopping and renewal, and claims handling.
Here’s what the survey respondents had to say about the best car insurance companies in Lake Charles:
Insurance companyOverall ratingPriceClaims experienceCustomer service
Geico
4.4
3.4
4
4.3
Allstate
4.3
3.7
N/A
4.3
Progressive
4
3.6
2.5
4.2
State Farm
3.9
2.6
N/A
4.1
USAA
3.8
3.8
N/A
3.6
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Lake Charles

Before driving in Lake Charles, remember that
Louisiana’s car insurance laws
require all drivers to buy liability insurance. Full coverage car insurance, which includes collision and comprehensive insurance in addition to state-mandated liability coverage, is technically optional—but most drivers choose to buy it.  

Cheap minimum liability insurance quotes in Lake Charles

To legally drive in Lake Charles, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following: 
These two types of coverage ensure that your insurance company will pay for other drivers’ medical and vehicle repair expenses if you’re at fault in an accident.
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Amy (44 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70615)
carChevrolet Silverado C1500
$113
per month
card cover
Mayme (27 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70607)
carBMW 328 i
$144
per month
card cover
Ann (38 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70605)
$175
per month
card cover
Clearcover
Belle (66 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carHyundai Elantra SE
$106
per month
card cover
Mathilda (28 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carCadillac CTS Performance Collection
$130
per month

Do you need more than minimum coverage in Lake Charles?

Think of Louisiana’s minimum liability coverage as the start—not the end—of your insurance shopping process in Lake Charles.
While buying state minimum coverage will keep you in compliance with the law, it won’t do much to protect your wallet in the event of a crash. 
Remember, liability insurance covers damages and medical bills that you’re responsible for. The average hospital stay following a car accident costs close to $60,000, while the average car on the road is worth about $48,000. 
A single serious accident could saddle you with liability costs well over $100,000—well beyond the liability limits of a minimum coverage policy
And because
Louisiana's car accident laws
allow drivers to file personal injury lawsuits for up to a year after an accident, your liability will extend long past the actual incident. 

Cheap full coverage car insurance quotes in Lake Charles

One major drawback of a liability-only insurance policy is that it won’t protect your vehicle. Only drivers with
full-coverage car insurance
can submit insurance claims for physical damage to their own cars.
Full coverage isn’t a technical term, but it usually refers to policies that include
collision coverage
and
comprehensive coverage
on top of basic liability. 
  • Collision insurance: pays for damage to your vehicle caused by any kind of crash, from a seven-car pileup to a single-car rollover or a collision with a telephone pole. Collision coverage can even pay if your car’s damaged in an encounter with a gnarly pothole—and since 23.3% of Louisiana’s roads are in poor condition, it’s a worthwhile investment for most drivers in Lake Charles.
  • Comprehensive insurance: pays for damage caused by something other than a collision. This typically includes vandalism, theft, and severe weather.
Full coverage insurance isn’t required by law, but it is required by lenders. If you lease or buy a car in Lake Charles, you’ll need to carry collision and comprehensive insurance until your lease is up or your loan is paid off. 
Check out the table below to see how Jerry helped Lake Charles drivers balance their coverage needs with their budget!
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$142
Derrick, 54
Zip: 70601
Saturn ION Level 2
• State Minimum Liability
• Comp / Collision
Allstate
$144
Mayme, 27
Zip: 70607
BMW 328 i
• State Minimum Liability
• Comp / Collision
Bristol West
$308
Abbie, 48
Zip: 70611
KIA Cadenza Premium
• State Minimum Liability
• Comp / Collision
Clearcover
$127
Lawrence, 54
Zip: 70605
KIA Soul
• 50,000/100,000 Liability
• Comp / Collision
National General
$439
Lewis, 47
Zip: 70611
Nissan Altima SR
coverageLast Updated Nov 3, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
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Average cost of car insurance in Lake Charles

A full coverage car insurance policy costs Lake Charles drivers an average of $1,383 per year or $115 per month. For drivers who stick to only minimum liability coverage, car insurance costs $2,683 per year or $224 per month, on average.
But
car insurance averages
only tell part of the story—and they’re not always a good guide to finding your best insurance rate. 
Every driver is different, and everything from your age and gender to your credit score, driving record, insurance history, and vehicle type could put your rates above or below the average in Lake Charles.

Average cost of car insurance in Lake Charles by zip code

When it comes to car insurance in Lake Charles, the cost can significantly differ depending on your zip code. Each zip code within Lake Charles possesses its own unique risk profile, directly influencing the corresponding insurance rates. 
For instance, if you happen to reside in a neighborhood with a higher frequency of auto theft and accidents, your area will be classified as high risk, leading to higher rates. 
Essentially, the level of risk associated with your zip code plays a pivotal role in determining whether you'll pay more or less for coverage.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
70601
$155
$251
70605
$129
$195
70607
$133
$277
70611
$125
$199
70615
$118
$269

Car insurance quotes in Lake Charles by rating factors 

Remember—every driver is different, and every insurance company uses a whole slew of rating factors to
calculate your car insurance premium
in Lake Charles.  
  • Your age and demographics: Teens and other new drivers pay a higher rate for coverage than middle-aged drivers—and so do seniors over age 70. Gender can also affect rates in Louisiana.
  • Your credit score: Research shows that drivers with poor credit file more claims. They also pay approximately 97% more than drivers with excellent credit—for the same coverage. 
  • Your driving record and claims history: Causing an accident, committing a violation, filing a claim, or letting your insurance lapse can all lead to higher premiums. 
  • Your driving habits: Louisiana drivers commute about 25 minutes per day—close to the national average. If you drive more or less than that, you’ll see your rates reflect the added (or lessened) risk of an accident.
  • Your location: City zip codes carry a higher risk of accidents, theft, vandalism—-and insurance claims. That’s why urban drivers pay more, and rates can vary within a single city. 

How do different factors impact your car insurance costs in Lake Charles?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Louisiana currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Lake Charles:

Cheap car insurance quotes in Lake Charles after driving violations

The occasional speeding ticket might add a surcharge to your insurance policy, but drivers with multiple violations are at risk of earning the “high-risk” label from their insurance company. 
Here’s how to navigate car insurance shopping if your Lake Charles driving record is less than perfect.

Cheapest car insurance in Lake Charles after speeding ticket

Louisiana speeding tickets
come in four categories:
  • 1 – 9 mph over the speed limit: $115 – $285 in fines
  • 10 – 14 mph over the speed limit: $215 – $385 in fines
  • 15 – 20 mph over the speed limit: $240 – $410 in fines
  • 21+ mph over the speed limit: Over $240 in fines and possible license suspension
Drive fast enough—or with enough careless lane changes and disruptive actions—and you risk
Louisiana's reckless driving charge
, which carries base penalties of up to $200 in fines and up to 90 days in jail. 
In Lake Charles, a speeding ticket can raise your insurance rates, typically by an average of 39%. That higher charge will usually stay on your policy for three to five years—but that doesn’t mean you can’t find savings like the Jerry drivers below, in the meantime.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
National General
$183
Anthony, 25
Zip: 70601
Chevrolet Cruze LT
• State Minimum Liability
Speeding 16-20
National General
$183
Hattie, 25
Zip: 70601
Chevrolet Cruze LT
• State Minimum Liability
coverageLast Updated Oct 29, 2024

Cheapest car insurance in Lake Charles after DUI

Just one
DUI violation
in Lake Charles can rack up thousands of dollars in fines, legal costs, and increased insurance premiums. The average rate increase after a DUI in Louisiana is 64%, but you can expect even higher increases if you’re convicted multiple times. 
Drivers with DUIs tend to pay a lot more for car insurance—but you don’t have to resign yourself to unbearable premiums. Some insurers, like Progressive, give a DUI far less weight when calculating premiums, and Jerry can help you find the best rates in Lake Charles based on your record.
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Mathilda (35 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationLake Charles, LA
(Zip Code: 70605)
$60
per month
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Gregory (43 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70602)
$56
per month

Cheapest car insurance in Lake Charles after an at-fault accident

Your rates will also go up after an at-fault accident—but not all companies will raise them by the same amount. GEICO has the highest average rate increase after an accident at a whopping 64%, while State Farm and Travelers policyholders tend to see lower rate spikes. 
But don’t worry—Jerry has helped many Lake Charles drivers save on car insurance after accidents.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$123
Viola, 34
Zip: 70615
Chevrolet Cruze LS
• State Minimum Liability
Not At Fault
Clearcover
$106
Kevin, 65
Zip: 70601
Hyundai Elantra SE
• State Minimum Liability
At Fault With No Injury
Allstate
$265
Roxie, 27
Zip: 70601
Mitsubishi Mirage ES
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 31, 2024

Cheapest car insurance in Lake Charles after other driving violations

Speeding tickets, accidents, and DUIs aren’t the only way to earn the “high-risk” designation from your insurance company. No matter what violations show up on your Lake Charles driving record, Jerry can help you save.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$345
Leroy, 51
Zip: 70605
Cadillac XTS Luxury
• State Minimum Liability
• Comp / Collision
Failure to Yield
Progressive
$345
Francis, 51
Zip: 70605
Cadillac XTS Luxury
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 30, 2024

Cheap car insurance quotes in Lake Charles by age

Young drivers pay very high insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.

Cheapest car insurance in Lake Charles for young drivers

Like all
new drivers
, teenagers pay more for car insurance than drivers with a proven record of safe driving in Lake Charles
But for teens, the costs are even higher thanks to statistics that show a higher rate of accidents, crash fatalities, and violations among drivers aged 19 and below.
Those increased rates are even higher for male drivers, who show a higher rate of unsafe behaviors like distracted driving and skipping the seatbelt. 
Luckily, young Lake Charles drivers can save by staying on a family policy, qualifying for
good student discounts
, and using
usage-based insurance tools
—and by shopping with Jerry, of course! 
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Gavin (23 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70605)
carToyota RAV4 HV Limited
$301
per month
card cover
Bertha (23 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carHyundai Elantra SE
$204
per month
card cover
Oscar (23 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carChevrolet Malibu 1LT
$321
per month
card cover
Clearcover
Jesse (22 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70615)
carChevrolet Cruze LT
$359
per month

Cheapest car insurance in Lake Charles for senior drivers

Many seniors actually pay less for car insurance than middle-aged drivers. Between ages 55 and 75, you’ll likely see the lowest rates of your whole driving career thanks to decades of experience. 
But around your mid-70s, your rates will start to go up because of increased rates of driver error and a much higher risk of accident fatalities. Even good drivers tend to see higher risks on the road when they reach this age. 
card cover
Mattie (66 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70615)
carNissan Sentra S
$389
per month
card cover
Wesley (72 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carLexus ES 350
$139
per month
card cover
Clearcover
Belle (66 years old)
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carHyundai Elantra SE
$106
per month

Cheap car insurance quotes in Lake Charles based on insurance history

Insurance companies don’t just look for a clean driving record when reviewing applicants—they also want to see a continuous coverage history with no breaks or gaps. 
Whether you forgot to renew your policy, stopped paying your bill, or just spent a few years relying on public transportation,
any car insurance lapse
will lead to higher rates down the road. 
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Dustin (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70615)
carChevrolet Cruze LS
$123
per month
card cover
Pauline (26 years old)
Currently Insured
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70607)
carBMW 328 i
$144
per month
card cover
Clearcover
Lettie (65 years old)
Currently Insured
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70601)
carHyundai Elantra SE
$106
per month
card cover
Harriett (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70607)
carDodge Charger SXT
$304
per month
card cover
Nicholas (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationLake Charles, LA
(Zip Code: 70615)
carChevrolet Cruze LS
$123
per month

Cheap car insurance quotes in Lake Charles for drivers with poor credit

All major car insurance companies will run a soft credit check and use something called a
“credit-based insurance score”
when evaluating your application and setting your rates. 
Drivers with good credit (700 or above) pay less, on average, than drivers with poor credit. Bad credit doesn’t just suggest a history of unpaid bills; studies actually show that drivers with poor credit tend to file more insurance claims.
Here’s how drivers with low credit scores saved with Jerry
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$127
Leo, 24
Zip: 70601
Honda HR-V LX
• 25,000/50,000 Liability
• Comp / Collision
660 - 750
Bristol West
$304
Caleb, 27
Zip: 70607
Dodge Charger SXT
• State Minimum Liability
660 - 750
National General
$85
Ora, 26
Zip: 70611
Subaru Outback 3.6R Limited
• State Minimum Liability
550 - 659
Clearcover
$116
Brian, 38
Zip: 70615
Mercury Milan Premier
• State Minimum Liability
< 550
National General
$133
Leah, 44
Zip: 70611
Hyundai Santa FE Sport
• State Minimum Liability
coverageLast Updated Nov 3, 2024

How to lower car insurance costs in Lake Charles

1. Shop around and compare quotes

Paying for car insurance is no cakewalk in Lake Charles. Each insurance company uses different rules to determine your premium, and these rules are subject to frequent changes. 
To ensure you have the cheapest car insurance possible, experts advise comparing quotes from at least three different companies and reviewing rates every six months.
Luckily, Jerry makes this process easy! In just 45 seconds, Jerry gathers quotes from a vast network of over 55 leading insurance providers, helping you discover the best auto insurance coverage at the best price. What's more, Jerry offers this invaluable service free of charge!

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. If you have a clean driving record with no accidents or traffic violations in Lake Charles, insurers may offer discounts as a reward for your safe driving habits.
  • Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics. These devices monitor driving behavior, such as speed, mileage, and braking patterns, and can lead to discounts for safe driving practices.
  • Good student discounts. Some insurance companies offer discounts to students who maintain good grades. 

3. Increase your deductible for comprehensive and collision coverage

In a pinch, raising your full coverage deductible in Lake Charles could shave a small amount off of your usual costs. 

Why is car insurance in Lake Charles so expensive?

Auto insurance rates are on the rise everywhere—but Louisiana is one of the most expensive states in the country for car insurance. Here are a few reasons why insurance in Lake Charles can be costly: 
  • Higher motor vehicle fatality rates: In 2021, the Department of Transportation reported 887 fatal crashes in Louisiana resulting in 972 deaths. That’s 21 deaths per 100,000 residents—over twice the national average. 
  • More drivers per capita: Louisiana has a higher-than-average number of licensed drivers, leading to a higher risk of accidents.
  • More expensive medical care: According to a 2022 report from Forbes Advisor, Louisiana has the second-highest healthcare costs of any state. Steep medical bills lead to higher liability insurance costs in Lake Charles.

FAQ

Based on thousands of Lake Charles drivers Jerry has worked with, car insurance in Lake Charlescosts an average of $115 per month for state-minimum coverage and $224 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, Kemper, and National General One Choice receive good ratings from Lake Charles drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
In Lake Charles, Louisiana, every driver must maintain 15/30/25 liability limits. That means that every insurance policy includes at least the following: 
People living in Lake Charles pay on average $115 per month – or $1,383 per year – on state-minimum liability coverage. Full coverage in Lake Charles costs on average $224 per month or $2,683 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.