Cheap Car Insurance in Hammond, LA
Everything You Need to Know about Auto Insurance in Louisiana
Hammond, located just 45 miles east of Baton Rouge and 45 miles northwest of New Orleans, is a commercial hub for the Tangipahoa Parish area. This fast-growing city boasts a regional airport and an Amtrak stop, making it a critical travel hub–not to mention a popular place for visitors headed to the Super Bowl, Sugar Bowl, or Mardi Gras to stay while they’re in the area. Of course, no visit to Hammond would be complete without heading out on a swamp tour, where tourists and residents alike can check out the lush, vibrant growth native to the area. The popular television series “Swamp People,” which debuted in August of 2010 and has run for 16 seasons, was filmed in southern Louisiana, including several spots located near Hammond.
In order to operate a vehicle in Hammond, drivers must carry car insurance to protect themselves and other drivers on the road. Failure to carry insurance can result in significant fines or license suspension, not to mention increased personal liability in the event of an accident.
How Much Does Car Insurance Cost in Hammond, Louisiana?
The average cost of car insurance in Hammond is $56 per month for minimum auto insurance coverage or $225 for full coverage insurance. This is slightly lower than the national average of $67 per month for minimum auto insurance coverage but close to the national average of $224 for full coverage insurance.
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What Does It Mean That Louisiana Is an At-Fault State?
Louisiana is an at-fault state for auto accidents. That means that after an accident, the insurance company that covers the driver deemed liable for the accident will be responsible for covering the damages related to the accident. If the driver carries only liability coverage, that means the insurance company will generally pay out for the damages to the other party’s vehicle. On the other hand, if the driver carries full coverage insurance, the insurance company will generally pay for damages to both vehicles.
Affordable Car Insurance Rates Comparison by Cities in Louisiana
When it comes to the cost of car insurance in Louisiana, rates can vary substantially by geographic area. Take a look at our cost breakdown for insurance in different cities across Louisiana.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Hammond | $225 | $56 |
| New Orleans | $323 | $86 |
| Baton Rouge | $273 | $76 |
| Shreveport | $179 | $46 |
| Lafayette | $243 | $71 |
Affordable Hammond Car Insurance Rates by Zip Code
Where you live may also have a slight impact on your auto insurance rates. Take a look at these common zip codes in Hammond and their insurance costs.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 70401 | $225 | $56 |
| 70402 | $225 | $56 |
| 70403 | $228 | $56 |
| 70404 | $228 | $56 |
Low-Cost Car Insurance Rates by Age in Hammond
Of course, many factors can contribute to the cost of insurance in Hammond. One of the most common factors insurance companies consider is the driver’s age. Younger drivers tend to have higher accident risk, which means that they may end up paying more for car insurance premiums.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $804 | $227 |
| 20s | $266 | $69 |
| 30s | $225 | $56 |
| 40s | $211 | $56 |
| 50s | $203 | $49 |
| 60s | $202 | $50 |
| 70s | $220 | $57 |
*Note: Unless otherwise specified, data is compiled using male, aged 30, minimum liability coverage. Your rates may vary based on age, driving history, coverage type, or other factors.
Driving Conditions in Hammond
Hammond is generally considered to be a good place to drive, with safe roads and strong infrastructure. However, changing weather conditions can have a significant impact on driving in the city.
How Many Fatal Accidents Happen in Hammond?
Annually, Hammond sees between 4 and 10 fatal accidents. Between 1 and 4 of those accidents may see pedestrian involvement. Accidents occur more often at night or when lighting conditions are poor.
How Are the Road Infrastructure and Bridges in Hammond?
Hammond is known for its extensive, convenient road infrastructure. As a travel hub for the surrounding area, Hammond can see extensive traffic, but it is designed to make that travel safe and convenient. There are, however, some roads that are in need of additional maintenance and support. Louisiana, as a whole, has poor road infrastructure that needs maintenance and repair. In Hammond, projects are underway to take care of widening Juban Road from I-12 to US 190 and make improvements to US 190.
Minimum Car Insurance Requirements in Hammond
In order to legally operate a vehicle in Hammond, drivers must carry at least the legally mandated minimum auto insurance. Drivers can also choose to carry higher coverage, including coverage that can protect their vehicles if they cause an accident.
Louisiana specifies that drivers must carry at least:
- $15,000 in bodily injury protection coverage for each person injured in an accident
- $30,000 in bodily injury protection coverage for all parties injured in an accident
- $25,000 in coverage for property damage per accident
What Are the Penalties for Driving Without Insurance in Hammond, LA?
Failure to carry auto insurance in Hammond can carry significant penalties. Drivers can face:
- $500 to $100 in fines
- License suspension
- Vehicle impoundment
In addition, Louisiana has a “No Pay, No Play” law that notes that if drivers do not carry auto insurance and are involved in an accident, they are responsible for the first $15,000 of bodily injury costs and $25,000 of property damage costs, even if they did not cause the accident.
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Factors Allowed in Hammond Car Insurance Rates
Each individual’s car insurance rates can look different depending on several factors. Louisiana allows providers to look at several essential elements, including:
- Age
- Driving record
- Credit score
- Marital status
- Claims history
In addition, full-coverage insurance policies will generally base costs on the vehicle insured.
What Happens If I Damage Property in an Accident in Hammond?
There are many types of property damage that can occur in an accident, including:
- Damage to another vehicle
- Damage to a fence or mailbox
- Damage to county-owned property (guard rails, street signs, etc.)
Most of the time, when you cause property damage in an accident, the claim will go through your insurance policy. Your insurance provider will pay out for the damages related to the incident, minus any deductibles, up to the maximum coverage offered by the policy. Most providers will have a maximum amount that they will cover before your insurance premium goes up. Others may offer accident forgiveness, which means they will cover the cost of one accident within a set timeframe without raising your insurance premiums. Report the accident to your insurance provider and discuss your options as soon as possible.
What Are the Best Discounts for Car Insurance in Hammond, LA?
Insurance companies may offer a variety of discounts. Common options include:
Talk to your insurance provider about what discounts you might be eligible for. In many cases, your insurance agent will be able to recommend steps you can take to reduce your premiums.
Get an Online Quote for Car Insurance in Hammond Today!
Although Hammond is a great place to live and drive, dealing with the traffic on I-12 and along LA 1088 and LA 1026 requires good insurance. At Freeway, we drive in Louisiana, too, so we can help you find the best, most affordable car insurance in Hammond. Are you ready to find car insurance that fits your needs? Get started with a quote online, visit us at a local office, or call us at 800-777-5620 for a quote.