Best Cheap Auto Insurance in Houma, LA (2021)

The average Houma, LA auto insurance rates are $440 per month. The minimum auto insurance in Houma is at least 15/30/25 in coverage to comply with Louisiana auto insurance laws. To find the best cheap auto insurance in Houma, Louisiana, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Houma is USAA
  • The average commute length in Houma is 23.1 minutes
  • The minimum auto insurance required in Houma, Louisiana is 15/30/25

Houma, Louisiana auto insurance requirements are 15/30/25 according to Louisiana auto insurance laws. Finding cheap auto insurance in Houma can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Houma, Louisiana, including driving record, credit, commute time, and more.

Compare auto insurance in Houma to other Louisiana cities, including Lafayette auto insurance rates, Alexandria auto insurance rates, and Shreveport auto insurance rates to see how Houma, Louisiana auto insurance rates stack up.

Before you buy Houma, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Houma, Louisiana auto insurance quotes.

Minimum Auto Insurance in Houma, Louisiana

Houma, Louisiana auto insurance laws require that you have at least the Louisiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Houma, Louisiana.

Minimum Required Auto Insurance Coverage in Houma, Louisiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Houma, Louisiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Houma, Louisiana are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Houma, Louisiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,691 $3,691 $3,827 $3,827 $8,037 $10,105 $4,071 $4,404
GEICO $2,940 $3,392 $3,555 $4,362 $10,905 $11,433 $2,834 $2,714
Progressive $3,991 $3,704 $3,353 $3,637 $16,057 $17,808 $4,531 $4,575
State Farm $2,900 $2,900 $2,693 $2,693 $8,397 $10,483 $3,220 $3,590
USAA $2,530 $2,484 $2,495 $2,462 $7,699 $8,971 $3,091 $3,375

Cheap Houma, Louisiana Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Houma, Louisiana is a challenge. Take a look at the annual teen auto insurance rates in Houma, Louisiana.

Annual Auto Insurance Rates for Teen Drivers in Houma, Louisiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,037 $10,105
GEICO $10,905 $11,433
Progressive $16,057 $17,808
State Farm $8,397 $10,483
USAA $7,699 $8,971

Cheap Houma, Louisiana Auto Insurance for Seniors

What are senior auto insurance rates in Houma, Louisiana? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Houma, Louisiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,827 $3,827
GEICO $3,555 $4,362
Progressive $3,353 $3,637
State Farm $2,693 $2,693
USAA $2,495 $2,462

Cheap Houma, Louisiana Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Houma, Louisiana compared to the annual auto insurance rates with a clean record in Houma, Louisiana.

Annual Houma, Louisiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,115 $6,278 $5,599 $4,834
GEICO $3,567 $5,783 $7,148 $4,571
Progressive $5,999 $8,074 $7,743 $7,013
State Farm $4,228 $4,990 $4,609 $4,609
USAA $3,160 $4,406 $5,211 $3,776

Cheap Houma, Louisiana Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Houma, Louisiana is not easy. Compare the annual rates for DUI auto insurance in Houma, Louisiana to find the best deal.

Annual Auto Insurance Rates After a DUI in Houma, Louisiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,599
GEICO $7,148
Progressive $7,743
State Farm $4,609
USAA $5,211

Cheap Houma, Louisiana Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Houma, Louisiana annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Houma, Louisiana

Insurance Company Poor Fair Good
Allstate $6,806 $4,701 $4,113
GEICO $6,263 $5,437 $4,101
Progressive $8,126 $6,988 $6,507
State Farm $6,324 $4,132 $3,371
USAA $5,681 $3,664 $3,071

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Cheap Houma, Louisiana Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Houma, Louisiana can vary. Compare the annual cost of auto insurance by ZIP code in Houma, Louisiana to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Houma, Louisiana

ZIP Code Average Annual Rates
70363 $4,963
70364 $4,789

Cheap Houma, Louisiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Houma, Louisiana auto insurance. Find the cheapest annual Houma, Louisiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Houma, Louisiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,207 $5,207
GEICO $5,166 $5,368
Progressive $7,207 $7,207
State Farm $4,494 $4,724
USAA $4,010 $4,267

Cheap Houma, Louisiana Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Houma, Louisiana? Check out the comparison of annual Houma, Louisiana auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Houma, Louisiana

Insurance Company Low Medium High
Allstate $4,478 $5,305 $5,837
GEICO $4,288 $5,288 $6,225
Progressive $5,866 $7,139 $8,616
State Farm $3,890 $4,592 $5,345
USAA $3,522 $4,210 $4,683

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Best By Category: Cheapest Auto Insurance in Houma, Louisiana

Compare the cheapest auto insurance companies in Houma, Louisiana in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Houma, Louisiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Houma, Louisiana Auto Insurance Companies

What auto insurance companies in Houma, Louisiana are the cheapest? Compare the top Houma, Louisiana auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Houma, Louisiana

Insurance Company Average Annual Rates
Allstate $5,207
GEICO $5,267
Progressive $7,207
State Farm $4,609
USAA $4,139

What affects auto insurance rates in Houma, Louisiana?

There are a lot of reasons why auto insurance rates in Houma, Louisiana are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Houma, Louisiana. Many local factors may affect your Houma auto insurance rates.

Houma Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Houma, Louisiana auto theft statistics, there have been 86 auto thefts in the city.

Houma Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Houma, Louisiana commute length is 23.1 minutes according to City-Data.

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Compare Houma, Louisiana Auto Insurance Quotes

Before you buy Houma, Louisiana auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Houma, Louisiana auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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