Car Insurance in Lake Charles

Having car insurance in Lake Charles can cover the cost of vehicle replacement, property damage and medical bills if you're ever involved in an auto accident. 
Compare, shop and customize quotes from top-rated insurance carriers.

Driving in the Lake Area

Nearly 80,000 residents call Lake Charles home, making it the fifth-largest city in the state of Louisiana. Named for a small lake within its limits, this city is a major hub for petrochemical refinery operations, gambling, tourism and education. Locals and visitors can enjoy swamp tours in Lake Charles, which is in the heart of Cajun and Creole country. If the great outdoors is not your thing, you may try your luck at some of Lake Charles' most popular casinos, including The Golden Nugget, L'Auberge and the Horseshoe.

Speaking of casinos, driving without car insurance in Shreveport is a gamble, exposing you to several local threats. The 279-mile stretch of I-10 between Lake Charles and New Orleans is notorious for a high number of fatal collisions.  It is nicknamed the "Devil's Triangle." Heavy rain, thunderstorms, hurricanes and flooding are also common occurrences, increasing the risk of damage to our vehicle.

Public transportation in the city involves buses that share the road with passenger vehicles. With car crash fatalities on the rise in Lake Charles,  it's not just the law to have auto coverage; it's also a great idea for anyone who drives regularly in the area. 

Meeting Your Minimums

Lake Charles residents must have these minimum liability coverages for their automobiles:  

  • $15,000 for injuries to one person
  • $30,000 for injuries to two or more people per collision
  • $25,000 for property damage per collision

Finding the right car insurance in Lake Charles means choosing a policy with coverage limits that are appropriate for the way you drive. Responsible drivers should look for a plan that includes these coverages:

  • Medical payments: This pays for medical bills, including funeral costs, up to a certain time following a collision.
  • Uninsured/Underinsured Motorist: In Lake Charles, you could be hit by a driver without insurance or with too little coverage. This benefit protects you in this scenario.
  • Collision: Regardless of who's at fault, this coverage would cover the cost to repair or replace your vehicle.
  • Comprehensive: If your car is stolen, vandalized or otherwise destroyed by a covered event, you'll be glad for comprehensive coverage.

While the State of Louisiana only requires minimum liability, you may have to carry additional coverages, especially if your car is financed or leased. VIU by HUB helps you find car insurance in Lake Charles that is right for you. 

The Bottom Line

Living in Lake Charles comes with an average annual price tag for car insurance of about $2,371. Although this is more than the national average of $2,008, it is less than the state average. Your annual premium will be impacted by these factors:

  • Age: Younger, less experienced drivers will have much higher premiums.
  • Marital status: Married couples file fewer claims statistically, resulting in lower rates.
  • Gender: Women pay more than men for similar coverage levels.
  • Driving record: If you have previous collisions and traffic citations on your record, you'll pay more for coverage.
  • Credit history: Many insurers correlate a higher credit score with reliability, resulting in lower premiums.

The condition of your vehicle, your zip code and even the way your policy is structured can impact your premium. You may also qualify for one or more discounts to lower your premium. The good news is that with VIU by HUB you can compare quotes from multiple providers for a more cost-efficient and comprehensive plan for car insurance in Lake Charles.

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


US Census Bureau

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Lake Charles on City Data

Louisiana Department of Insurance


Auto insurance in Louisiana by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.