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Cheap Car Insurance in Houma, Louisiana

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Referred to as the “The Heart of America’s Wetland,” Houma, Louisiana, is a quaint town known for its bayous and bays along the Intracoastal Waterway. Residents and visitors can enjoy the Atchafalaya Basin and its captivating airboat tours, which capture one of the most exciting topographies in the nation (marshland).

Do not forget Houma’s Cajun music scene. Quaint music spots like The Jolly Inn Cajun Dancehall, Terrebonne Folklife Culture Center, and the Bayou Terrebonne Waterlife Museum have impressive live music schedules sure to capture your imagination.

All Houma drivers must have an active Louisiana car insurance policy to drive legally in the state. Continue reading to learn everything you need to know about Houma car insurance.

Quick Facts

  • In 2020, there were three fatal car crashes with three people killed.
  • Houma has a large population of military who served in the Gulf War.

How Much Does Car Insurance Cost in Houma, LA?

Houma drivers pay an average monthly premium of $60 for the state-required minimum liability car insurance, which is higher than the national average of $40 and quite a bit lower than the state average of $81. For full coverage car insurance, Houma drivers average $196 a month. That compares to $138 per month in the nation and $227 for the state of Louisiana overall.

Louisiana car insurance rates are considered the second highest in the nation, behind Michigan. There are several explanations for this, including a large number of uninsured drivers on the road (11.7 percent) and a lawsuit-happy citizenry who file a disproportionally large number of personal injury cases after car accidents, compared to other states. These items drive up car insurance costs for all drivers.

To learn how Houma monthly rates stack up against neighboring cities, see below for a breakdown:

City Full Coverage Insurance Liability Insurance Coverage
Houma $199 $62
Lafayette $234 $79
New Orleans $354 $105
Shreveport $202 $60
Metairie $278 $90

Houma, LA Affordable Car Insurance Rates by Zip Code

Moving from Houma to a different city in Louisiana affects the cost of car insurance by a little or a lot. For example, one zip code could pay double the average monthly premium as the next zip code due to a higher number of claims related to theft, vandalism, and other high-risk behaviors. See below for a breakdown of Houma’s average monthly premiums paid by zip code:

Zip Code Full Coverage Insurance Liability Insurance Coverage
70360 $196 $62
70363 $199 $62
70364 $196 $65

Low-Cost Car Insurance Rates by Age in Houma, Louisiana

Your age impacts how much you pay in auto insurance premiums. Note, teenage drivers are considered high-risk by insurance companies due to their inexperience and a collective number of accidents and infractions. For this, they pay significantly higher premiums than older drivers.

See below for a breakdown of Houma’s average monthly premiums paid by age group:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $646 $225
20s $226 $72
30s $199 $62
40s $189 $57
50s $178 $54
60s $193 $61
70s $191 $61

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Houma

How Many Fatal Accidents Happen in Houma?

In 2020, Houma saw a three fatal vehicle accidents with three people killed. One of those involved alcohol. All together, there were 259 total car crashes in Houma in 2020 and 11 of those involved alcohol.

How Are the Road Infrastructure and Bridges in Houma, Louisiana?

Houma has an active 59-employee Public Works department that focuses on repairing streets, bridges, traffic control signals, and other road infrastructure needs. Its Off-System Bridge Program regularly oversees the structural analysis of close to 80 parish bridges. Maintaining pump station roads, fabrication/installation of traffic control signs, and carrying out curb and sidewalk repairs are all in the plan.

For more information on Houma-Terrabone’s infrastructure projects, visit here.

Get a Quote for Car Insurance in Louisiana Today!

Minimum Car Insurance Requirements in Houma, LA

All Louisiana drivers must carry a minimum level of liability insurance designed to protect other drivers and their passengers in case they cause an accident.

Here are the mandatory coverage levels in Louisiana:

  • Bodily injury coverage per person: $15,000
  • Bodily injury coverage per accident: $30,000
  • Property damage per accident: $25,000

We recommend opting for lower deductibles and higher coverage limits. With state minimum coverage, even a single fender bender could result in high out-of-pocket costs, putting a dent in your monthly finances for years.

In many cases, the state minimum liability insurance will not be enough to cover all the costs associated with an accident. This is why some drivers opt for full coverage car insurance or some form of increased protection.

What Are the Penalties for Driving Without Insurance in Houma, LA?

Driving without car insurance in Louisiana will result in a surefire headache and plenty of aggravation.

First offenses for driving without car insurance will result in DMV fees anywhere between $500 and $1,000, along with a $50 reinstatement fee, license/registration suspension, and the possibility of vehicle impoundment. Offenders are also banned from claiming collision-related losses.

Second and third/subsequent offenses will see higher reinstatement fees ($150 to $500).

One significant difference between Louisiana and other states is its No Pay, No Play Law. Its No Pay, No Play Law prevents drivers from being compensated by the other affected party’s insurance company if caught driving uninsured, in line with thresholds to property damage (first $25,000) and personal injury ($15,000).

In some cases, drivers may be required to file SR-22 insurance in order to have their driver’s license and/or registration re-instated.

Factors Allowed in Houma Car Insurance Rates

In Houma, insurance carriers are allowed to use many deciding factors to determine the cost of your premiums. Some of those factors include:

Discounts for Car Insurance in Houma, Louisiana

All Louisiana drivers can benefit from lower monthly insurance premiums. One of the best ways to lower monthly insurance premiums is to ask your current insurance company for discounts.

Difference insurance companies offer different discounts, usually centered around (but not limited to) the following:

  • Blue icon of a blue car

    Safe driving discount

  • Graphic of a man driving a car

    Defensive driving discount

  • Hands holding a box with a check mark

    Car safety feature discount

  • Pink icon of a thief

    Anti-theft device discount

  • Blue icon of a graduation cap

    Good student discount

  • Green icon of a military man

    Military discount

For a complete list of available discounts, contact your insurance carrier. Even a single phone call could result in hundreds of dollars saved per year, putting more money in your pocket for other expenses.

Get a Quote for Low-Cost Auto Insurance Online in Houma, Louisiana Today!

Cypress swamp in Houma, LA

Freeway Insurance is ready to help you find car insurance that will fit your budget and needs.

Get started with a fast and easy car insurance quote online, visit us at a Houma office, or call 800-777-5620 for a no-obligation quote and answers to all of your questions by one of our friendly agents.