Car Insurance in Houma

Car insurance in Houma connects you with the coverage you need for auto repair, medical bills and other post-accident costs.
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Find the Right Auto Insurance in Houma

Located in the southern part of the state, about 55 miles from New Orleans, Houma is a diverse city with Creole, African, Cajun, Native American and French cultural influences. About 33,500 people live in this Gulf Coast area, which is surrounded by many unincorporated places. Several state and federal highways offer access to the larger surrounding towns and cities, including Baton Rouge and the Big Easy.

Driving in and Around Houma

Although Houma has a local bus and trolley service, most people rely on personal vehicles to get around town. Sperling's Best Places says more than 81% of residents commute in their own cars while just over 12% carpool with friends or coworkers. The average commute time in Houma is about 21 minutes, about 22% below the U.S. average.

Considerations for Local Motorists

Louisiana has a rising rate of serious auto accidents. The Department of Transportation and Development reported 997 traffic fatalities in the state in 2021 alone, an increase of more than 20% since 2020. Louisiana highways have about three deaths every day, and more than 40% of these accidents involve alcohol.

Houma also has a higher-than-average rating of property crime, according to Sperling's Best Places. About 4.54 incidents per 100 residents occur in the city each year, compared to a rate of 3.16 for Louisiana and 2.11 for the U.S. overall. You can protect your vehicle from vandalism and theft with comprehensive car insurance in Houma. Shopping around with VIU by HUB allows you to find the best rates on a full coverage policy.

Average Cost of Car Insurance in Houma

Car insurance in Houma costs an average of $3,344 per year, according to data from Bankrate for Kenner (the nearest city with available data). In comparison, the average Louisiana motorist pays $2,909 for an annual full-coverage policy, while the national average is $2,014 per year.

Despite Houma's higher-than-average auto insurance costs, you can often save money by comparing policies from multiple providers. Some of the factors that affect your rate include the claim and accident rates in your specific neighborhood, your age, your driving record and the type of vehicle you have. For example, the Ford F-150 tends to be the cheapest vehicle to insure in Louisiana.

Louisiana Auto Coverage Laws

Drivers in Houma must adhere to state auto insurance laws. You must have at least $15,000 per person and $30,000 per accident in bodily injury liability as well as $25,000 per person in property damage liability. These policies pay for the costs of other drivers and passengers if you cause an accident.

You may also want to purchase additional coverage for your own protection. For example, medical payment policies pay for your injuries and those of your passengers if you have an accident. This coverage takes effect regardless of accident fault.

Uninsured and underinsured motorist policies pay to fix your car if you have an accident with an uninsured driver. Collision coverage repairs the damage to your car after an accident even if you are at fault. Comprehensive policies cover noncollision incidents like theft and vandalism, which is an important aspect of car insurance in Houma.

VIU by HUB helps you find affordable rates for car insurance in Houma. Our fast, easy online quote tool gives you personalized prices from multiple providers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



Louisiana Department of Insurance

Louisiana Department of Transportation and Development

Sperling's Best Places

U.S. Census Bureau

Auto insurance in Louisiana by city

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