Lake Charles, LA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lake Charles, 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.
Car insurance premiums in Lake Charles, Louisiana, vary by $1,030 based on driver’s background
“Why do you need auto insurance?
It's really all about protecting yourself financially.
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If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
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If you or any passengers are injured in an accident, medical costs can be extremely expensive.
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If you or your car is responsible for damage or injury to others, you may be used for much more than you're worth.” – Insurance World, Inc., an insurance agency in Louisiana, highlights the obvious but often underrated importance of car insurance.
Zimlon recently analyzed insurance policies for automobiles in Lake Charles, Louisiana, and found that the lowest premiums are paid by 60-year-old married female drivers, at $379. On the other hand, the highest premiums are paid by 21-year-old single female drivers with history of two accidents in the past 18 months, at $1,409. Thus, a driver’s background, which includes age and driving record, can influence car insurance prices by at least $1,030. The information for the survey comes from the Louisiana Department of Insurance.
For this analysis, Zimlon considered the bodily injury per person limit to be $15,000, the bodily injury per accident limit to be $30,000, and the property damage per accident limit to be $30,000. The uninsured motorist liability was considered as $15,000, and the uninsured motorist liability per accident limit was considered to be $ 30,000. The cars chosen were 2011, 2014, and 2017 models of Toyota Camry.
This survey analyzed different categories of drivers and found that the most expensive premium rates are paid by 21-year-old single male drivers with two accidents in the past 18 months. LA Auto Insurance offers the most expensive premium for this category of drivers, at $19,607. The second most expensive premiums are paid by 18-year-old single male drivers with one accident in the past 18 months, at $11,773.
60-year-old married female drivers with a clean driving record generally pay the cheapest car insurance premiums. Pharmacists Mutual Insurance offers the lowest premium rate for this cohort, at $379. The second-cheapest premium is paid by 30-year-old single male drivers with a clean driving record. Once again, Pharmacists Mutual Insurance offers them the lowest premium, at a mere $602.
18-year-old single male drivers with one accident in the last 18 months can make the highest savings between the 75th and 25th percentiles of insurance premiums, at $1,898 (50.28%). Drivers belonging to the same age group but with a history of one accident in the past 18 months record the second-highest savings at $1,780 (57.23%).
The following chart presents a comparison of prices for each cohort.
The table below lists the premiums for each cohort, along with the companies that offer them.
| Cohort | Cheapest car insurance companies in Lake Charles, LA | Most expensive car insurance companies in Lake Charles, LA | Car insurance companies offering median premiums in Lake Charles, LA | 25th percentile of car insurance premiums in Lake Charles, LA | 75th percentile of car insurance premiums in Lake Charles, LA | Dollar difference between 25th and 75th percentiles | Percentage difference between 25th and 75th percentiles |
|---|---|---|---|---|---|---|---|
| 18-year-old single male drivers with one accident in 18 months | Pharmacists Mutual Ins. Co. ($1,240) | La. Auto Insurance Plan ($11,773) | Liberty Personal Ins. Co. ($4,674) | Unitrin Auto and Home Ins. Co. ($3,775) | Safeco Ins. Co. of Oregon ($5,673) | $1,898 | 50.28% |
| 60-year-old married female drivers | Pharmacists Mutual Ins. Co. ($379) | La. Auto Insurance Plan ($5,266) | Auto Club Family Ins Co ($962) | Privilege Underwriters Recip. Exchange ($839) | American National General Ins. Co. ($1,307) | $468 | 55.78% |
| 21-year-old single female drivers with two accidents in 18 months | Pharmacists Mutual Ins. Co. ($1,409) | Encompass Property & Casualty Co. ($8,455) | Imperial Fire & Casualty Ins. Co. (Value Program) ($3,375) | Foremost Ins. Co. ($2,632) | Allstate Fire and Casualty Ins. Co. ($4,265) | $1,633 | 62.04% |
| 48-year-old single female drivers | Hartford Accident & Indemnity Co. ($1,213) | Amica Mutual Ins. Co. ($6,782) | Imperial Fire & Casualty Ins. Co. (Classic Program) ($2,382) | Encompass Indemnity Co. ($1,954) | Financial Indemnity Co. ($3,088) | $1,134 | 58.03% |
| 30-year-old single male drivers | Pharmacists Mutual Ins. Co. ($602) | La. Auto Insurance Plan ($5,665) | Safeco Ins. Co. of Oregon ($1,205) | Affirmative Casualty Ins. Co. ($1,014) | LM General Ins. Co. ($1,583) | $569 | 56.11% |
| 21-year-old single males with two accidents in the last 18 months | Pharmacists Mutual Ins. Co. ($1,274) | La. Auto Insurance Plan ($19,607) | LM General Ins. Co. ($3,923) | Government Employees Ins. Co. ($3,110) | Shelter Mutual Ins. Co. ($4,890) | $1,780 | 57.23% |
| 18-year-old single females with one accident in the last 18 months | Pharmacists Mutual Ins. Co. ($1,104) | Encompass Property & Casualty Co. ($8,440) | Lyndon Southern Ins. Co. ($3,761) | AIG Property Casualty Co. ($2,893) | Equity Ins. Co. ($4,632) | $1,739 | 60.11% |
How Can I Lower My Car Insurance in Lake Charles, LA?
The average cost of auto insurance in Lake Charles, LA, is $2,328. This is lower than in most neighboring places such as Gillis, Prien, Westlake, Carlyss, and Moss Bluff. Residents of Lake Charles should compare multiple auto insurance quotes and reviews before deciding what best suits their needs. Here are some ways to increase savings in Lake Charles.
Deductibles:
Paying a higher deductible will also help car owners lower the cost of insurance. For instance, the yearly premium in Lake Charles on a deductible of $500 is $2,849. It decreases to $2,406 when the deductible is higher ($1,000).
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Lake Charles, LA, post-DUI, increases to $3,227. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Lake Charles. Other violations that can have a long-term impact on auto insurance in Lake Charles include driving with an expired license and running a red light.
Multi-Car Insurance:
Car owners in Lake Charles, LA, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Lake Charles, LA, is $4,051, while it would cost $8,101 for four vehicles. The savings on multi-car insurance in Lake Charles also depends on the make and model of the car.
Anti-Theft Device:
Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower the cost of auto insurance. Providing your vehicle with a passive disabling device will fetch the most amount of savings.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.
Credit Score:
Having an “excellent” or “good” credit score will help car owners save on auto insurance in Lake Charles, LA. The cost of auto insurance can be low if the driver’s credit score is “exceptional”.
Factors that can influence the cost of car insurance in Lake Charles, 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.
- Lake Charles, LA Auto Insurance Rates
- Lake Charles, LA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lake Charles, LA
- Multi Vehicle Insurance Savings in Lake Charles, LA
- How Credit Score Affects Car Insurance Rates in Lake Charles, LA
- How DUI Affects Auto Insurance Premiums in Lake Charles, LA
- Top Auto Insurance Agents Near Lake Charles, LA
- How Driving Violations Affect Auto Insurance Rates in Lake Charles, LA
- Lake Charles, LA Auto Insurance Discounts on Anti Theft Feature
- Lake Charles, LA Auto Insurance Company Reviews
Lake Charles, LA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lake Charles, LA with that of other cities in and around Lake Charles.
| Lake Charles | Gillis | Prien | Westlake | Carlyss | Moss Bluff | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $2,328 | $2,375 | $2,555 | $2,391 | $2,375 | $2,491 |
Lake Charles, 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 Lake Charles, 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) |
|---|---|---|
| Lake Charles | $2,849 | $2,406 |
| Prien | $1,518 | $1,282 |
| Westlake | $1,201 | $1,014 |
| Moss Bluff | $1,548 | $1,308 |
| Sulphur | $1,258 | $1,062 |
| Calcasieu | $1,183 | $1,000 |
| Carlyss | $1,689 | $1,427 |
| Gillis | $1,027 | $867 |
Lake Charles, LA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lake Charles, 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 | $7,554 |
| 20 Years | $2,991 |
| 30 Years | $2,304 |
| 40 Years | $2,217 |
| 50 Years | $2,053 |
| 60 Years | $2,081 |
| 70 Years | $2,423 |
Lake Charles, LA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lake Charles, 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 | $4,051 | $605 |
| 3 Vehicles | $6,076 | $908 |
| 4 Vehicles | $8,101 | $1,211 |
Savings on 2 Vehicles bundle:$605
Savings on 3 Vehicles bundle:$908
Savings on 4 Vehicles bundle:$1,211
Lake Charles, 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 Lake Charles, LA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lake Charles | $2,328 | $3,227 |
| Prien | $2,555 | $3,541 |
| Westlake | $2,391 | $3,314 |
| Moss Bluff | $2,491 | $3,453 |
| Sulphur | $2,416 | $3,349 |
| Calcasieu | $2,438 | $3,379 |
| Carlyss | $2,375 | $3,292 |
| Gillis | $2,375 | $3,292 |
Lake Charles, 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) | $1,997 |
| Excellent (740-799) | $2,280 |
| Good (670-739) | $2,426 |
| Average (580-669) | $3,165 |
| Poor (300-579) | $3,797 |
Lake Charles, LA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Christine Bailey | State Farm | 277 N Highway 171 Ste 14, Moss Bluff, 70611-5374 | 337-855-5000 |
| Jim Mitchell | State Farm | 844 University Dr, Lake Charles, 70605-6120 | 337-474-4272 |
| Melisa Mcmillian Adrian | Allstate | 3600 Common St Ste 300, Lake Charles, 70607 | (337) 474-4939 |
| Insurance World Inc | Travelers | 5640 S. Highway 14 , Lake Charles, 70607 | None |
| Scott Raley | Allstate | 4405 Lake St, Lake Charles, 70605 | (337) 474-3500 |
| Dave Mccarty | State Farm | 2108 Oak Park Blvd, Lake Charles, 70601-7864 | 337-478-7052 |
| Dave Mccarty | State Farm | 2108 Oak Park Blvd, Lake Charles, 70601-7864 | 337-478-7052 |
| Carl Vincent | State Farm | 815 S Huntington St, Sulphur, 70663-4439 | 337-527-5211 |
| Mccullough Agency | None | 701 Santa Anna , Lake Charles, 70611 | None |
| Curt Beckham | State Farm | 3616 Ryan St, Lake Charles, 70605-1610 | 337-477-1188 |
Lake Charles, 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 | +$102 | $2,430 |
| Driver's Failure In Showing Documents | +$226 | $2,554 |
| Driving With An Expired Registration | +$240 | $2,568 |
| Driving At A Considerably Slow Pace | +$505 | $2,833 |
| Using A Cellphone While Driving | +$533 | $2,861 |
| Running A Red Light | +$542 | $2,870 |
| Speeding | +$570 | $2,898 |
| Driving A Vehicle Without The Required Permission | +$724 | $3,052 |
| Driving With An Expired/Suspended License | +$1,569 | $3,897 |
Lake Charles, 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 | $2,235 |
| Active Disabling Device | $2,235 |
| Tracking Device | $2,188 |
| Passive Disabling Device | $2,165 |
Latest Auto Insurance Reviews in Lake Charles, LA | Back to Top
ProgressiveThe policy we have suits our needs perfectly. We have had to use our coverage 2 times now due to accidents. The policy has covered the damaged and rental cars.
Horace Mann Educators CorporationMy premiums are very reasonable. I switched to Horace Mann from State Farm on both my homeowners and auto insurance, and saved about $1,300 per year. My deductibles are very reasonable.