Best Hammond, LA Car Insurance in 2024
Car insurance in Hammond, LA averages $490 a month. Hammond, Louisiana car insurance requirements are 15/30/25, but you might need full coverage insurance if your car is financed. To find cheap Hammond car insurance rates, compare quotes from the top car insurance companies in Hammond, LA.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Hammond is 70401
- Average car insurance rates in Hammond, LA are $5,879/year
- The cheapest car insurance company in Hammond for teen drivers is USAA
If you need to buy Hammond, Louisiana car insurance, the options can be confusing. Everything you need to know about car insurance in Hammond, LA is right here.
You’ll find Hammond car insurance rates, the cheapest Hammond, LA car insurance companies, and information on Louisiana car insurance laws. You can also compare Hammond, Louisiana car insurance rates to Lafayette car insurance rates, New Orleans car insurance rates, and Baton Rouge car insurance rates.
Ready to find affordable Hammond, LA car insurance today? Enter your ZIP code for fast, free Hammond car insurance quotes.
Cheapest Hammond, LA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Hammond, LA car insurance rates? Every Hammond, Louisiana car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,661 | $4,661 | $4,808 | $4,808 | $10,101 | $12,727 | $5,141 | $5,565 |
| Geico | $3,303 | $3,801 | $3,950 | $4,815 | $12,191 | $12,846 | $3,180 | $3,082 |
| Progressive | $4,308 | $4,027 | $3,606 | $3,896 | $16,815 | $18,692 | $4,906 | $4,970 |
| State Farm | $3,001 | $3,001 | $2,762 | $2,762 | $8,896 | $11,155 | $3,347 | $3,753 |
| USAA | $2,731 | $2,685 | $2,666 | $2,642 | $8,227 | $9,642 | $3,352 | $3,669 |
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Minimum Car Insurance in Hammond, LA
Every driver must carry the minimum car insurance in Hammond, LA. Take a look at the Louisiana car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Hammond, LA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Hammond, LA. Compare credit history car insurance rates in Hammond from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,580 | $5,923 | $5,173 |
| Geico | $7,013 | $6,086 | $4,588 |
| Progressive | $8,665 | $7,409 | $6,884 |
| State Farm | $6,699 | $4,316 | $3,489 |
| USAA | $6,144 | $3,929 | $3,282 |
Cheapest Hammond, LA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hammond, LA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,218 | $7,880 | $7,035 | $6,102 |
| Geico | $4,015 | $6,470 | $7,941 | $5,158 |
| Progressive | $6,381 | $8,535 | $8,229 | $7,465 |
| State Farm | $4,430 | $5,240 | $4,835 | $4,835 |
| USAA | $3,394 | $4,718 | $5,641 | $4,053 |
Cheapest Hammond, LA Car Insurance for Teen Drivers
Teen car insurance in Hammond, LA can be expensive. Take a look at rates from the top car insurance companies in Hammond for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,101 | $12,727 |
| Geico | $12,191 | $12,846 |
| Progressive | $16,815 | $18,692 |
| State Farm | $8,896 | $11,155 |
| USAA | $8,227 | $9,642 |
Cheapest Hammond, LA Car Insurance for Seniors
Take a look at Hammond, LA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,808 | $4,808 |
| Geico | $3,950 | $4,815 |
| Progressive | $3,606 | $3,896 |
| State Farm | $2,762 | $2,762 |
| USAA | $2,666 | $2,642 |
Cheapest Hammond, LA Car Insurance Rates After a DUI
A DUI in Hammond, LA increases car insurance rates. Compare Hammond, Louisiana DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,035 |
| Geico | $7,941 |
| Progressive | $8,229 |
| State Farm | $4,835 |
| USAA | $5,641 |
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Cheapest Hammond, LA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Hammond, LA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,559 | $6,559 |
| Geico | $5,779 | $6,013 |
| Progressive | $7,653 | $7,653 |
| State Farm | $4,711 | $4,959 |
| USAA | $4,314 | $4,590 |
Cheapest Hammond, LA Car Insurance Rates by ZIP Code
Hammond car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Hammond, LA.
| ZIP Code | Average Annual Rates |
|---|---|
| 70401 | $5,434 |
| 70402 | $5,442 |
| 70403 | $5,612 |
The Best Cheap Car Insurance Companies in Hammond, LA
Take a look at a side-by-side comparison of the top car insurance companies in Hammond, LA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,559 |
| Geico | $5,896 |
| Progressive | $7,653 |
| State Farm | $4,835 |
| USAA | $4,452 |
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Category Winners: Cheapest Car Insurance in Hammond, Louisiana
Find the cheapest car insurance companies in Hammond, LA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Cheapest Hammond, LA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Hammond car insurance rates. Find the cheapest Hammond, LA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,679 | $6,675 | $7,322 |
| Geico | $4,854 | $5,916 | $6,918 |
| Progressive | $6,281 | $7,583 | $9,093 |
| State Farm | $4,168 | $4,823 | $5,513 |
| USAA | $3,856 | $4,521 | $4,978 |
What affects car insurance rates in Hammond, Louisiana?
What factors can have an impact on Hammond, LA car insurance? There are several reasons why Hammond car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hammond, Louisiana.
Car Theft in Hammond
High levels of vehicle theft can make car insurance more expensive. Hammond, LA car theft statistics from the FBI indicate 117 vehicle thefts a year.
Commute Time in Hammond
The more time you spend in your car the higher the risk of an accident. The average commute length in Hammond, LA is 24.0 minutes according to City-Data.
Traffic in Hammond
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hammond, LA traffic data from INRIX ranks Hammond as the 783rd-most congested in the world.
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Compare Car Insurance Quotes in Hammond, LA
Ready to find affordable Hammond, Louisiana car insurance today? Enter your ZIP code for fast, free Hammond, LA car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Hammond, LA?
The average monthly car insurance rate in Hammond, LA is around $490.
What are the car insurance requirements in Hammond, LA?
The car insurance requirements in Hammond, LA are typically 15/30/25, which means $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
How can I find cheap car insurance rates in Hammond, LA?
To find cheap car insurance rates in Hammond, LA, compare quotes from different insurance companies.
How do age, gender, and marital status affect car insurance rates in Hammond, LA?
Age, gender, and marital status can impact car insurance rates in Hammond, LA. Younger drivers, males, and single individuals often have higher rates.
What is the minimum car insurance required in Hammond, LA?
The minimum car insurance required in Hammond, LA is liability coverage, typically with 15/30/25 coverage limits.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.