Houma Car Insurance

Find the right car insurance policy for you.


Houma, LA is a city filled with residents, many of whom live the Cajun lifestyle and traditions. While Houma offers many amenities, jobs, and retail spaces, folks in this city often drive into neighboring cities for cultural events or up to New Orleans for a weekend of fun. Regardless of how you use it, if you own a vehicle in this state, you need to have car insurance that meets or exceeds Louisiana’s mandated coverage minimums. When you compare Houma auto insurance quotes from at least three competing providers, you can be certain that you are not overpaying for the policy you choose.

Finding suitable insurance at an affordable price is easy when you work with one of the many independent insurance agents in our network. These agents can provide you with a selection of competitively priced Houma car insurance quotes from a number of competing insurers. They can also explain your coverage options and answer any insurance-related questions you may have. Find an agent in or near Houma to learn more.

  • National average cost per year: $1,311
  • Louisiana average cost per year: $1,774
  • 4th most expensive auto premium in U.S.

Auto insurance rates in Louisiana are significantly higher than throughout most of the country, and this makes comparison shopping to save money even more beneficial. Of course, the rates listed above will just give you a general idea of what you might expect to pay. Actual rates will vary significantly from one driver to the next because each insurance company calculates rates according to a number of different variables including these:

  • The ZIP code where you live
  • The number of miles and frequency that each vehicle being insured is driven per year
  • The make, model, year and features of the vehicle(s) you wish to insure
  • The age, sex and marital status of all licensed drivers in your household
  • The driving records of all licensed drivers in your household
  • The amount of liability insurance you wish to purchase
  • The coverage options you wish to include with your policy
  • The deductible you are requesting

Every insurance company has its own proprietary method of assessing risk and assigning rates. Therefore, different companies are each likely to give you a different quote. Comparison shopping puts you at an advantage by enabling you to choose the Houma car insurance policy that provides the best value for your money.


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Louisiana Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 15/30/25: Coverage up to $30,000 for all persons injured in an accident, subject to a limit of $15,000 for one individual, and $25,000 coverage for property damage

These minimums are usually enough to cover your liability responsibilities in the case of most vehicular accidents, but a major collision that involves serious injuries or significant property damage can easily exceed these limits. In that case, you are responsible for making up the difference out of pocket. You can protect your assets by purchasing coverage with higher liability limits. Failure to carry auto insurance that meets or exceeds Louisiana’s minimum coverage requirements can result in fines of $100 to $700 and additional fees. You may even have your vehicle impounded until you can provide proof of coverage. It is better to be safe than sorry.

Number of Uninsured Motorists in Louisiana

  • Number of uninsured U.S. drivers: 13%
  • Number of uninsured Louisiana drivers: 13%

Although it is illegal to drive without insurance, nearly one in seven drivers on Louisiana’s roadways is doing so. If one of these drivers is at fault for a collision with you, the driver is responsible for covering your damage. Unfortunately, it may be extremely difficult, if not impossible, to collect reparations. That is why including uninsured motorist coverage with your Houma car insurance policy is so important. If you have this coverage, your insurance company covers your damage and it tries to collect from the uninsured driver on its own. This insurance option also covers damage and injuries caused by hit-and-run drivers.

Number of Auto Thefts in Louisiana

  • National number of thefts per 1,000 vehicles: 2.28
  • Louisiana number of thefts per 1,000 vehicles: 2.47

The rate of car theft in the state of Louisiana is lower than the national average, and in Houma, it is even lower. Recently, there were only 59 reported auto thefts in this city. That equates to about 1.75 thefts per every 1,000 vehicles – well below the national rate. You can lessen your risk of car theft by always locking your vehicle when you leave it, parking in well-lit attended lots whenever possible and using a car alarm or other theft deterrent. 

If your car is stolen, you can only receive compensation from your insurance company if your Houma car insurance policy includes comprehensive (“other than collision”) insurance. This insurance also covers damage caused by such hazards as falling objects, fires (if they are not caused by a motor vehicle accident), floods, vandalism, and other noncollision incidents.

Find the Best Houma Car Insurance Policy

If you are looking for an affordable Houma auto insurance policy that provides the coverage that you and your family need, you can benefit from working with an independent agent in our network. These agents work with several highly rated insurance companies, so they can quickly collect a variety of policies and rates for you to compare. In a state where auto insurance coverage is already very expensive, there is no reason why you should pay more than you have to for your coverage. There are several local agents located throughout the state of Louisiana, and some have offices in and around the city of Houma. 

Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Houma car insurance quotes. 

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