Cheap Auto Insurance Quotes in Lake Charles, LA (2023)

One of the more popular destinations in Louisiana, Lake Charles is home to a wealth of museums, art installments, and casinos. As if this didn’t create enough traffic, it sits on Interstate 10, a freeway that spans from California to Florida. Driving in Lake Charles is a true challenge, particularly during rush hour, so it’s smart to enroll in robust car insurance coverage, as accidents can happen here in the blink of an eye.

Car Insurance in Lake Charles, LA

The average cost of Louisiana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lake Charles, LA to find you the cheapest quotes in the area.

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• Cheap Car Insurance Louisiana

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Cheapest Car Insurance in Lake Charles, LA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Lake Charles, LA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Lake Charles. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Louisiana

All motor vehicles operated or parked on Louisiana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Louisiana^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Louisiana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Lake Charles Car Insurance Rates by Driver Age

Even hardworking teens will have a tough time coming up with $453 per month for car insurance in Lake Charles. Louisianans see their premiums go down as they get more years of experience behind the wheel. That’s why twentysomethings catch a $70 break over the youngest drivers. From that point, everyone 30 and older beats the state average of $333. Those in their 80s get the best deal, with a price that’s a third of what teen drivers shell out.

Lake Charles Car Insurance Rates by Driving and Accident History

In the Pelican State, safe driving wins in more ways than one. People enjoy the peace of mind that defensive driving provides, and insurance companies give their “good driver” and “accident-free” discounts to the most responsible folks on the road. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations strip down their policies and opt for liability only, skipping comprehensive and collision coverage. An at-fault accident almost doubles the rate, at $456. Luckily, after three years of careful driving, tickets and accidents stop affecting monthly costs.

See More:

• High-risk Car Insurance Louisiana

• DUI Car Insurance Louisiana

Lake Charles Car Insurance Rates by Credit Tier

What does the Mastercard in a driver’s wallet have to do with mastering the ability to operate a car? Louisiana, like most states, lets insurance companies use credit when setting rates. Naturally, people with better credit pay less. But in Lake Charles, those with poor credit have lower rates than those with average or good credit. The reason is that drivers with better credit can finance costlier cars and need more coverage to protect their assets. Either way, moving from average to excellent credit will save over $85 per month, or $1,000 per year.

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Find local Lake Charles agents

Lake Charles, LA DMV Information

Lake Charles offers drivers two locations to complete their DMV business, but that doesn’t necessarily mean getting in and out is a breeze. With nearly 80,000 residents here, wait times might be long. The Louisiana Office of Motor Vehicles is situated to the east of town and is quite busy while the Express Office of Motor Vehicles Public Tag Agent is better equipped to handle quick tasks. No matter which location you visit, it’s advised that you eat a large breakfast and prepare to wait.

Public Transportation in Lake Charles, LA

While some Lake Charles residents opt to go without a vehicle, plenty of others are in the area visiting and may not feel comfortable navigating these busy streets themselves. The city offers both a bus system and a trolley, which run regularly and serve many parts of the metropolitan area. If you’re out to visit the most popular tourist attractions, traveling on foot may be an option. Still, others prefer to rely on ridesharing options like Uber and Lyft.

For more detailed Louisiana city level guides, check out these below.

• Average Cost of Car Insurance Rates in Louisiana

• DUI Car Insurance Rates in Louisiana

• High-Risk Driver Car Insurance Rates in Louisiana

• Louisiana Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Louisiana

• SR-22 Insurance in Louisiana

How to get the best and cheapest car insurance in Lake Charles, LA

Lake Charles has long been a populated area, and due to the multiple hurricanes that hit the city in 2020, navigating this part of the state has become even more challenging. It’s highly recommended that you purchase the auto coverage that offers you the most peace of mind while on the road, because you never know what could happen.

Rather than waste time comparing prices across dozens of websites, make shopping for car insurance easy with Insurify. You’ll be able to view real-time quotes as well as a variety of discounts suited just for you. Let Insurify take the guesswork out of shopping for car insurance today!

FAQs - Lake Charles, LA Car Insurance