Houma, LA Car Insurance

Houma drivers pay, on average, around $191 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates should residents of Houma expect to pay for their car insurance? Are rates in Houma higher or lower than those in neighboring areas? How do they compare to the rest of Louisiana? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Houma?

Area Average Monthly Car Insurance Premium
Houma$191
LA$169
United States$80

Looking at the chart above, you can see that it is around $22 a month more expensive to insure your vehicle in Houma than it is in the rest of Louisiana.

Similarly, drivers in Houma may pay higher rates than the rest of the country. It's around $111 more expensive for coverage in Houma than the average rates seen in the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Houma, that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Houma and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$339
25-34$146
35-44$143
45-54$91
55-64$94
65+$146

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates climb back up a bit in Houma.

Average Car Insurance Rates by Gender

Gender Average
Male$234
Female$150

Car insurance rates for men are usually slightly more expensive than they are for women. In Houma, the difference is around $84 a month. As illustrated in the table above, male drivers in the area pay about $234 on average, while female drivers pay around $150 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$193
Multiple Accidents$228
1 TicketNot Enough Data
Multiple Tickets$293

Rates can vary wildly depending on your driving record. Those with clean records will obviously pay much less than those with infractions. The rate for drivers in Houma with a single accident on their record is about $193 a month.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$122
2-3 Years$214
4-5 Years$203
6-7 Years$126
8-10 Years$109
11-14 Years$294
15 Years or Older$148

According to the first table above, the cheapest vehicles to insure in Houma are usually trucks and vans, at $89 per month.

Car owners will see a monthly bill of about $237, while SUV owners by and large pay around $153 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Houma, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$207
Married$98
Divorced$138
Widowed$131

Overall, married policyholders will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The cost of auto insurance in Houma reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $109 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$122
Rent$141
Live with parents$195

Another factor taken into consideration is your living situation. Renters can expect to pay around $19 a month more than homeowners in Houma. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Houma, LA

Recent trends in car insurance for Houma drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The rates for car insurance in Houma decreased from 2016-2017, before leveling out in 2018. Rates decreased again, reaching a low of $122 in 2020, before finishing up at $127 in 2021.

How does Houma compare to neighboring areas?

Why are car insurance rates in Houma different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Community regulations
  • Amount of drivers in the region
  • Rate of crime
  • Access to off-street parking
  • Number of car accidents

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Houma?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering coverage in Houma.

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Houma Insurance FAQs

What factors affect car insurance quotes in Houma?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Houma different from other neighboring cities?

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Houma?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Houma?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Houma or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes