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The average car insurance cost in Lake Charles, Louisiana is $2,708 per year, according to 2022 data. This is $162 more than the average auto insurance cost in Louisiana and $1026 more than the national average, as analyzed by

Average cost in Lake CharlesAverage cost in LouisianaNational average cost

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Lake Charles, the average car insurance rates by age, gender and how much is car insurance in Lake Charles based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Lake Charles. Read on to learn more.

Key Takeaways

  • The average car insurance cost in Lake Charles, Louisiana is $2,708 per year.
  • Southern Farm Bureau offers the cheapest car insurance in Lake Charles, at an average of $1,609 per year.
  • Young adults pay $4,904 per year for car insurance in Lake Charles.

Cheap car insurance companies in Lake Charles

Southern Farm Bureau offers the cheapest car insurance in Lake Charles, at an average of $1,609 per year with full coverage limits of 100/300/100.

The second cheapest company in Lake Charles is USAA, offering car insurance rates at $1,729 per year. USAA offers car insurance only to members of the military, veterans and their immediate families.

As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Lake Charles before deciding on the policy that matches your requirements.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Lake Charles, Louisiana:

Company NameAverage annual costAverage monthly cost
Southern Farm Bureau$1,609$134
State Farm$2,069$172
Farmers Insurance$3,092$258
Safeway Insurance$3,552$296
Auto Club$4,216$351

Read about the best car insurance companies for 2022.

Average car insurance cost in Lake Charles by coverage limits

In Lake Charles, the average car insurance rates based on coverage types are as follows:

  • State minimum coverage: $832 per year (limits are 25/50/25)
  • Liability only coverage: $1,373 per year (limits are 50/100/50)
  • Full coverage: $2,708 per year (limits are 100/300/100)
  • Non-owners coverage: $393 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Lake Charles

The average car insurance rate for a female driver in Lake Charles, Louisiana, is $2,779 per year.

While the rate for a male driver is $2,708 per year, which is $71 less than what female drivers pay, according to a 2022 rate analysis by

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Lake Charles

In Lake Charles, car insurance rates are the highest for teens, at $11,310 per year or $943 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.

Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $4,904 per year for their car insurance which is $6406 less than what the teens pay for their insurance policy.

The car insurance rates in Lake Charles for adult and senior drivers are $2,799 and $2,688 per year respectively.

The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Age groupAverage annual rates
Teens (16- to 19-year-olds)$11,310
Young adults (20- to 24-year-olds)$4,904
Adults (25- to 55-year-olds)$2,799
Seniors (60- to 75-year-olds)$2,688

If we look at the car insurance rates trends in Lake Charles, Louisiana, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates increased overall by 8%, or $191.

The table below shows the trend for three years:

2016 rates2019 rates2022 rates


In conclusion, the insurance rates in Lake Charles, are higher than the average insurance cost in Louisiana. Shopping around and taking advantage of available discounts, drivers in Lake Charles can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.


Methodology, with the help of Quadrant Information Services, gathered data for car insurance rates in Lake Charles, Louisiana. The averages are rounded to their nearest sums. The data is based on the sample profile of a 40-year-old male driver who commutes 12 miles to work. All rates are based on the profile of a driver with a clean driving record, good insurance score, and full coverage policy.

The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and Collision deductible.

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Prachi Singh
Contributing Researcher


Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.