Lake Charles Car Insurance

Everything You Need To Know About Car Insurance In Lake Charles

Life in Lake Charles is a dream come true, with easy access to the only white sand inland beach on the Gulf Coast. Residents enjoy some of the south's best Cajun food and nonstop nightlife and fine dining opportunities. Whether they're headed out to the Contraband Days Pirate Festival or coming home from the office, drivers in Lake Charles need the protection of comprehensive car insurance.

Choosing the best Lake Charles car insurance policy is much easier with a Trusted Choice® Independent Insurance Agent by your side. Our experienced agents take the guesswork out of navigating complicated coverage options. You will receive quotes from multiple policies so you can compare all available options and find a budget-friendly auto insurance plan that works for your lifestyle.

Cost of Car Insurance in Louisiana

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

Louisiana is one of the most expensive states for purchasing auto insurance, but don't let fear of high prices stop you. Our Trusted Choice Agents can help you find affordable Lake Charles car insurance regardless of your age, the kind of car you drive or your driving record.

Louisiana Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 15/30/25

Drivers in Lake Charles are required to carry a certain level of auto insurance protection. Specifically, you'll need minimum coverage of $15,000 for individual injuries, $30,000 for all persons injured in an accident and $25,000 for any resulting property damage. While Louisiana requires drivers to have these minimums, you may want to consider higher coverage amounts just to protect yourself against unanticipated costs following a serious accident. After all, $15,000 won't go very far if an injury requires even a short hospital stay.

Number of Uninsured Motorists in Louisiana

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Louisiana drivers: 13.9%

If you end up in an accident and an uninsured motorist is at fault, it can spell disaster financially. With 13.9 percent of Louisiana drivers uninsured, adding an extra layer of coverage with uninsured motorist protection is a smart way to safeguard against this potential scenario. 

Number of Auto Thefts in Louisiana

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Louisiana: 2.06

Imagine leaving the supermarket with your keys in hand. As you frantically search the parking lot, it's undeniable. Your car is nowhere in sight. Discovering that your car was stolen is a frightening experience, but adding auto theft coverage to your Lake Charles auto insurance is a simple way to protect yourself if it happens to you.

Find a Great Lake Charles Car Insurance Policy

Lake Charles is known as the Festival Capital of Louisiana, and with drivers coming from all over the state to participate in the annual events, you will want to be sure you have adequate Lake Charles auto insurance. 

Our Trusted Choice Independent Insurance Agents know the ins and outs of car insurance, and they can help you choose the right amount of coverage for your lifestyle and risk factors. Contact a Trusted Choice agent today to get a quote and learn more about your Lake Charles car insurance options.

Now, who's ready to get their insurance problems solved?