Houma Auto Insurance Rates, Quotes, Agents & Reviews in LA

Houma, LA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Houma, LA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Houma, LA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Houma, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Houma, LA with that of other cities in and around Houma.

Houma Gray Raceland Bourg Lockport Heights Bayou Cane
Average Insurance Rates $2,364 $2,399 $2,406 $2,476 $2,471 $2,472

Houma, LA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Houma, LA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Houma $1,018 $860
Bayou Cane $1,474 $1,245
Presquille $2,102 $1,776
Bayou Blue $1,524 $1,288
Bourg $1,513 $1,278
Gray $1,558 $1,316
Raceland $1,514 $1,279
Lockport Heights $1,473 $1,244

Houma, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Houma, LA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $7,671
20 Years $3,037
30 Years $2,340
40 Years $2,251
50 Years $2,085
60 Years $2,114
70 Years $2,460

Houma, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Houma, LA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,161 $567
3 Vehicles $6,241 $851
4 Vehicles $8,321 $1,135

Savings on 2 Vehicles bundle:$567

Savings on 3 Vehicles bundle:$851

Savings on 4 Vehicles bundle:$1,135


Houma, LA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Houma, LA.

Location Average Insurance Cost Post DUI Insurance Rate
Houma $2,364 $3,277
Bayou Cane $2,472 $3,426
Presquille $2,581 $3,577
Bayou Blue $2,458 $3,407
Bourg $2,476 $3,432
Gray $2,399 $3,325
Raceland $2,406 $3,335
Lockport Heights $2,471 $3,425

Houma, LA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,028
Excellent (740-799) $2,315
Good (670-739) $2,463
Average (580-669) $3,214
Poor (300-579) $3,856

Houma, LA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$104 $2,468
Driver's Failure In Showing Documents +$229 $2,593
Driving With An Expired Registration +$243 $2,607
Driving At A Considerably Slow Pace +$513 $2,877
Using A Cellphone While Driving +$541 $2,905
Running A Red Light +$551 $2,915
Speeding +$579 $2,943
Driving A Vehicle Without The Required Permission +$735 $3,099
Driving With An Expired/Suspended License +$1,593 $3,957

Houma, LA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,269
Active Disabling Device $2,269
Tracking Device $2,222
Passive Disabling Device $2,199

Latest Auto Insurance Reviews in Houma, LA | Back to Top

Progressive
Our premium is the lowest that we could find. Many companies try and rape you if you have a young driver. Ours went up but not as bad as other companies wanted to charge.
State Farm
I would definitely recommend State Farm based on my experience with customer service and competitive pricing. I did have to call for road side assistance since purchasing this policy.
Progressive
I would recommend them, but am (honestly) not sure how much better/worse they are than other companies. They don't give the personal one-on-one service that a local insurance agent gives.
Hanover Insurance Group
This group has decent pricing in comparison to other car insurance companies. I used to be with Geico, but they were extremely expensive in comparison. I insure my families cars, so spending that extra $20-$50 a month is a killer.
Hanover Insurance Group
This group has decent pricing in comparison to other car insurance companies. I used to be with Geico, but they were extremely expensive in comparison. I insure my families cars, so spending that extra $20-$50 a month is a killer.
American National Property And Casualty Company
I think the rates I am paying are comparable to other company's.I do not like that when my rates have gone up in the past I was not informed that they went up, or when they would change the draft amount.
Aaa
I feel pretty neutral about this company, honestly. I'm sure there are worse companies out there, but they are all a scam.