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.
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 Rates
- Houma, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Houma, LA
- Multi Vehicle Insurance Savings in Houma, LA
- How Credit Score Affects Car Insurance Rates in Houma, LA
- How DUI Affects Auto Insurance Premiums in Houma, LA
- How Driving Violations Affect Auto Insurance Rates in Houma, LA
- Houma, LA Auto Insurance Discounts on Anti Theft Feature
- Houma, LA Auto Insurance Company Reviews
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
ProgressiveOur 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 FarmI 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.
ProgressiveI 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 GroupThis 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 GroupThis 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 CompanyI 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.
AaaI feel pretty neutral about this company, honestly. I'm sure there are worse companies out there, but they are all a scam.