Lake Charles, LA Car Insurance

On average, Lake Charles drivers pay around $174 a month for their car insurance. For more information refer to our guide below.
How does Lake Charles stack up to the rest of the area, or even Louisiana as a whole? How much can residents of Lake Charles expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lake Charles?

Area Average Monthly Car Insurance Premium
Lake Charles$174
LA$169
United States$80

Car insurance policies in Lake Charles are about $5 a month more expensive than the rest of Louisiana.

Similarly, residents of Lake Charles might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $94 cheaper than it is in Lake Charles.

Although these are the average rates for auto insurance in Lake Charles, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down the average rate for Lake Charles residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$260
25-34$152
35-44$126
45-54$142
55-64$118
65+$130

Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Lake Charles may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$186
Female$155

Female drivers pay, on average, slightly less than their male counterparts. The difference in Lake Charles is about $31 a month. As illustrated in the table above, female drivers in the area pay about $155 on average, while male drivers pay around $186 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$164
Multiple Accidents$279
1 Ticket$146
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Lake Charles with a single accident on their record is about $164 a month. In addition, drivers with a single ticket on their record can expect to pay around $146 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$130
2-3 Years$201
4-5 Years$144
6-7 Years$187
8-10 Years$223
11-14 Years$166
15 Years or Older$122

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Lake Charles, with drivers paying around $157 per month to insure their vehicle.

SUV drivers will see rates of about $158, while the rates for car owners average out to about $185 per month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Lake Charles, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$169
Married$142
Divorced$132
Widowed$98

Generally, those who are currently married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Lake Charles can be as much as $27 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$169
Rent$187
Live with parents$174

Your housing situation is another factor that affects your monthly rate. Drivers who own property in Lake Charles can expect to pay around $18 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Lake Charles, LA

Recent trends in car insurance for Lake Charles drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Auto insurance rates in Lake Charles increased from 2016-2017, before leveling out in 2018. Policy premiums rose again, reaching a high of $215 in 2020, and finished down at $201 in 2021.

How does Lake Charles compare to neighboring areas?

Why are car insurance rates in Lake Charles different from other areas?

Car insurance companies will take into account a lot of factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total number of drivers
  • Off-street parking accessibility
  • Crime rates
  • Laws
  • Road Safety (frequency of car accidents)

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Lake Charles?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Lake Charles.

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Lake Charles Insurance FAQs

What factors affect car insurance quotes in Lake Charles?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your marital status, credit score, address, and driving record.

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

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lake Charles?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lake Charles or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes